Travel Insurance for Fatty Liver Disease

What is fatty liver disease?

Fatty liver disease means too much fat has built up in your liver. It is very common and is usually linked to being overweight, type 2 diabetes, high blood pressure, or high cholesterol. It’s one of the liver conditions that often has no symptoms, so many people only find out after a blood test or scan for something else.

You may see it called non-alcoholic fatty liver disease (NAFLD) or, more recently, metabolic dysfunction-associated steatotic liver disease (MASLD). In most people it stays mild. In some, the liver becomes inflamed and scarred over time, which can eventually lead to cirrhosis. Losing weight, staying active and looking after your blood sugar can all help. The NHS fatty liver disease page explains how it’s diagnosed and managed.

Why do I need to declare fatty liver disease for travel insurance?

Once you’ve been diagnosed, fatty liver disease is treated as a pre-existing medical condition. It’s often mild, but it can progress, and more advanced liver damage raises the chance of falling ill abroad, needing hospital care or having to cancel your trip.

We ask about it so your cover reflects that risk. If it isn’t declared, a claim linked to your liver could be refused or reduced, even if the condition seemed minor when you bought the policy.

You won’t need to declare every medical condition you’ve ever had or been diagnosed with, only those that fall into the initial set of medical questions.

Can I get travel insurance with fatty liver disease?

In most cases, yes. Fatty liver disease is very common, and many people with it travel without any trouble.

Simple fatty liver with normal or near-normal blood tests is a different picture from fibrosis, cirrhosis or hospital treatment. Related conditions, such as diabetes or heart problems, will need declaring as well, and they’re considered alongside it when deciding whether cover can be offered.

What we’ll ask about your fatty liver disease

Our online screening is easy to follow. It asks a few questions about your fatty liver disease, including how it’s being managed and whether you take any medication for it. When you’ve declared this condition, carry on with any other relevant pre-existing medical conditions.

Finishing the medical declaration takes you through to the quote page. Provided your fatty liver disease and your other declared conditions can be covered, you’ll be presented with a list of quotes. The premium you see already includes cover for your medical, and if we cannot provide cover, you’ll know before going ahead.

If your health changes before travelling

Liver health can change between check-ups. If your medication changes, you go into hospital, you’re referred for tests, or you’re diagnosed with something new between now and departure, you must let us know. It may mean reviewing your cover or referring your medical situation to the underwriters, and in some cases we may not be able to proceed with cover. Not telling us about a change in your medical can lead to a future claim being affected or denied.

What can fatty liver disease travel insurance cover?

With fatty liver disease accepted, emergency medical treatment abroad can be covered if you’re taken ill. If you developed severe tummy pain and jaundice in Florida and needed emergency hospital tests, the costs and, if needed, medical repatriation can be covered. Do check your medical expenses limit for the USA, as treatment there is very expensive. Everything is subject to the policy terms, exclusions, limits and excess.

If you become unwell before you leave and your doctor advises you not to go, cancellation cover may help with non-refundable costs.

Planned scans or treatment abroad aren’t covered, and nor is anything linked to an undeclared condition.

Will fatty liver disease affect the cost of travel insurance?

Fatty liver disease may have some effect on the price, with the exact amount depending on your screening result. Our online medical screening may ask how the condition is being treated and whether it is well controlled. Like everyone, you’ll also find age, destination and trip length make a difference. Once you’ve answered, the quote shows your price before you decide.

Single trip or annual cover with fatty liver disease

For one trip, single trip cover keeps things simple. If you go away more than once a year, annual multi-trip insurance could suit you, depending on your screening result.

Travelling with fatty liver disease: practical tips

These tips are for general information. They aren’t part of your policy.

Alcohol is worth thinking about. Even if your fatty liver isn’t caused by drinking, alcohol adds to the strain on your liver. Holidays often mean more drinks than usual, so it may help to decide on a limit before you go, or to have alcohol-free days. Your GP can advise on what’s sensible for you.

Keep moving. Being active helps fatty liver, and holidays can be a good time for it. Walking tours, swimming and cycling are easy ways to stay active, and much nicer than the gym. Long flights are also a good reason to stretch your legs and keep hydrated.

Check your vaccinations. Hepatitis A is spread through contaminated food and water in many parts of the world, and for someone with an existing liver condition it could be more serious. Ask your GP or a travel clinic whether hepatitis A or B vaccines are recommended for you.

Be wary of supplements and herbal remedies sold abroad. Some can be hard on the liver. If you need pain relief, stick to what your doctor recommends.

If you also have diabetes, plan how you’ll manage your medication, meals and blood sugar across time zones.

How to get a quote

Add your destination and dates, complete the medical screening, and choose how much cover you want. The price is there before you pay.

Get a Quote

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Don't worry if your condition is not listed above - we cover plenty more medical conditions.
* Please note that cover will vary depending on individual medical screenings.