High Cholesterol Travel Insurance - Insurancewith (2024)

FAQs

Can you get travel insurance if you have high cholesterol? ›

Can I get travel insurance with high cholesterol? The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions.

In many cases, particularly if your cholesterol is well controlled by medication, adding this to the policy should not impact the price of your insurance.

Does high cholesterol count as a pre-existing medical condition? Yes. High cholesterol is considered a pre-existing medical condition by insurance companies, along with similar conditions like high blood pressure.

Because high cholesterol can put you at risk for heart attacks and strokes, two of the leading causes of death in the U.S., insurance companies consider it a risk factor. If your cholesterol is particularly high, not well controlled with medication or if you have other health issues, you might even be denied coverage.

In the health insurance world, a pre-existing condition is any injury, sickness or condition that exists before the date an insurance policy takes effect. Examples include asthma, diabetes, anxiety, depression, high blood pressure, high cholesterol and so on.

Lovastatin was followed by simvastatin (Zocor^®), fluvastatin (Lescol^®), pravastatin (Pravachol^®), atorvastatin (Lipitor^®), pitavastatin (Livalo^®), and rosuvastatin (Crestor^®). Every statin listed here is on the FAA Accepted Medications Database as approved for use while flying.

While traveling in the U.S.

Find a nearby pharmacy that's in-network with your health insurance. Call the pharmacy and explain the situation. Call your home pharmacy and ask them to transfer your medication. If your home pharmacy won't transfer the prescription, call your primary care provider.

When there is too much of a waxy substance (called cholesterol) in the blood, a statin can help to clear it away and reduce the amount the liver can make. This keeps the cholesterol from leaving fatty deposits (called plaque) in the arteries, greatly reducing the risk of heart attack or stroke.

Statins are a class of medicines used to lower cholesterol. While some of the cholesterol in your blood comes from food, most is made by the liver. Statins work by reducing the amount of cholesterol made by the liver and helping the liver remove cholesterol that is already in the blood.

What is the cut off for high cholesterol? ›

Here are the ranges for total cholesterol in adults: Normal: Less than 200 mg/dL. Borderline high: 200 to 239 mg/dL. High: At or above 240 mg/dL.

Negative Impact of High Cholesterol

Many people who have high cholesterol die from complications of heart disease before reaching an advanced age. Those who live into their 70s or 80s despite high cholesterol might have other factors that increased their longevity.

If your high cholesterol has caused you to suffer other serious medical conditions, and you're unable to sustain gainful employment, you may be eligible for disability benefits from the Social Security Administration (SSA). However, the SSA won't approve your disability claim simply because you have high cholesterol.

In Life Insurance, It's All About the Ratio

Doctors usually consider total cholesterol over 200 to be high or elevated. Meanwhile, insurance companies will often accept applicants with total cholesterol of 275 or 300 at Preferred Best rates—the highest rate class available (say what?!).

With the okay from a doctor, there should be no reason why your cholesterol levels will stop you enjoying your time away.

Too much bad cholesterol in your blood can increase your chance of getting heart disease, stroke, and other problems. Common medical terms for high blood cholesterol are lipid disorder, hyperlipidemia, or hypercholesterolemia, with the last being the most precise.

Heart conditions - it's a vague term and could be anything from heart arrhythmia to heart failure, disease, angina or heart attacks. We understand the importance of covering these conditions and any relating complications, therefore have developed a fully comprehensive policy which does just that!