With ovarian cysts you really should take travel insurance out when you go on holiday or travel abroad just in case you fall ill and need medical treatment as the NHS will not provide treatment whilst you are on holiday. The cost of receiving medical treatment outside the UK can be very expensive and the travel insurance will repay most of these costs provided you took it out before you left for your holiday.
In addition if you need assistance to get home, like an ambulance or medical staff to accompany you, then the travel insurance will pay for the costs associated with repatriation too.
For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with ovarian cysts
Travellers with ovarian cysts have in the past paid significantly more for their travel insurance as those with ovarian cysts, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
Additional rating factors which effect travel insurance are connected conditions and whether this condition has caused you to cut short or cancel a holiday in the past.
Ovarian cysts and travel insurance
An ovarian cyst
is any collection of fluid, surrounded by a very thin wall, within an ovary. Any ovarian follicle that is larger than about two centimetres is termed an ovarian cyst. Such cysts range in size from as small as a pea to larger than an orange.
Most ovarian cysts are functional in nature and harmless (benign).
Ovarian cysts affect women of all ages. They occur most often, however, during a woman's childbearing years.
Some ovarian cysts cause problems, such as bleeding and pain. Surgery may be required to remove cysts larger than 5 centimetres in diameter.
Ovarian cysts may be classified according to whether they are a variant of the normal menstrual cycle, called a functional cyst
, or not.
Functional cysts form as a normal part of the menstrual cycle. Such cysts may include:
- Follicular cyst, the most common type of ovarian cyst. In menstruation, a follicle containing the ovum (unfertilised egg) will rupture during ovulation. If this does not occur, a follicular cyst of more than 2.5 cm diameter may result.
- Corpus luteum cysts appear after ovulation. The corpus luteum is the remnant of the follicle after the ovum has moved to the fallopian tubes. This normally degrades within 5–9 days. A corpus lutem that is more than 3 cm is defined as cystic.
- Thecal cysts occur within the thecal layer of cells surrounding developing oocytes. Under the influence of excessive hCG, thecal cells may proliferate and become cystic. This is usually on both ovaries.
Non-functional cysts may include:
Signs and symptoms
- An ovary with many cysts, which may be found in normal women, or within the setting of polycystic ovary syndrome.
- Cysts caused by endometriosis, known as chocolate cysts.
- Hemorrhagic ovarian cyst
- Dermoid cyst
- Ovarian serous cystadenoma
- Ovarian mucinous cystadenoma
- Paraovarian cyst
- Cystic adenofibroma
- Borderline tumoral cysts
Some or all of the following symptoms may be present, though it is possible not to experience any symptoms:
- Abdominal pain. Dull aching pain within the abdomen or pelvis, especially on intercourse.
- Uterine bleeding. Pain during or shortly after beginning or end of menstrual period; irregular periods, or abnormal uterine bleeding or spotting.
- Fullness, heaviness, pressure, swelling, or bloating in the abdomen.
- When a cyst ruptures from the ovary, there may be sudden and sharp pain in the lower abdomen on one side.
- Change in frequency or ease of urination (such as inability to fully empty the bladder), or difficulty with bowel movements due to pressure on adjacent pelvic anatomy.
- Constitutional symptoms such as fatigue, headaches
- Nausea or vomiting
- Weight gain
Other symptoms may depend on the cause of the cysts:
- Symptoms that may occur if the cause of the cysts is polycystic ovarian syndrome may include increased facial hair or body hair, acne, obesity and infertility.
- If the cause is endometriosis, then periods may be heavy, and intercourse painful.
All of these factors will be taken into account when you apply for travel insurance with ovarian cysts.
In addition, those that are waiting for a diagnosis or additional tests face the highest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.