If you suffer from Pneumonia it’s important that you disclose it to your travel insurance company before you go on holiday. If you don’t disclose your Pneumonia on your application for travel insurance it could invalidate a claim leaving you with a large bill for medical expenses and maybe repatriation costs too which, if a private air ambulance is required, could be tens of thousands pounds.
What Is Pneumonia?
Pneumonia is an inflammatory condition of the lung which affects primarily the microscopic air sacs known as alveoli. It is usually caused by infection with viruses or bacteria and less commonly other microorganisms, certain drugs and other conditions such as autoimmune diseases.
Typical symptoms include a cough, chest pain, fever, and difficulty breathing.
Diagnostic tools include x-rays and culture of the sputum. Vaccines to prevent certain types of pneumonia are available. Treatment depends on the underlying cause. Pneumonia presumed to be bacterial is treated with antibiotics. If the pneumonia is severe, the affected person is, in general, admitted to hospital.
People with infectious pneumonia often have a productive cough, fever accompanied by shaking chills, shortness of breath, sharp or stabbing chest pain during deep breaths, and an increased respiratory rate. In the elderly, confusion may be the most prominent sign. The typical signs and symptoms in children under five are fever, cough, and fast or difficult breathing.
Pneumonia is due to infections caused primarily by bacteria or viruses and less commonly by fungi and parasites. Although there are more than 100 strains of infectious agents identified, only a few are responsible for the majority of the cases. Mixed infections with both viruses and bacteria may occur in up to 45% of infections in children and 15% of infections in adults. A causative agent may not be isolated in approximately half of cases despite careful testing.
Travel Insurance For Pneumonia Need Not Be Expensive If You Shop Carefully
Travel insurance for Pneumonia need not be expensive if you shop around and find a specialist that can select the right underwriter for your particular circumstances. For example the price of your travel insurance will be influenced by your specific symptoms of the disease, your age and the destination and the length of your stay.