With backache 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 backache
Travellers with backache have in the past paid significantly more for their travel insurance as those with backache, 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.
Backache and travel insurance
is pain felt in the back that usually originates from the muscles, nerves, bones, joints or other structures in the spine.
Back pain may have a sudden onset or can be a chronic pain; it can be constant or intermittent, stay in one place or radiate to other areas. It may be a dull ache, or a sharp or piercing or burning sensation. The pain may radiate into the arms and hands as well as the legs or feet, and may include symptoms other than pain. These symptoms may include tingling, weakness or numbness.
Back pain is one of humanity's most frequent complaints. In the U.S., acute low back pain (also called lumbago) is the fifth most common reason for physician visits. About nine out of ten adults experience back pain at some point in their life, and five out of ten working adults have back pain every year. Back pain is second only to upper respiratory conditions as the stated cause of work loss.
The spine is a complex interconnecting network of nerves, joints, muscles, tendons and ligaments, all of which are capable of producing pain. Large nerves that originate in the spine and go to the legs and arms can make pain radiate to the extremities.
All of these factors will be taken into account when you apply for travel insurance with backache.
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.