If you suffer with bipolar disorder you must disclose this on your travel insurance application to be sure that if you need to claim for medical treatment when you are abroad your bipolar will be covered.
In addition should you fall ill before departure and be unable to travel, you would need to claim the lost holiday costs so you could book again when you recover. This will only be possible with full disclosure of your bipolar disorder at application.
This link might help if you are looking for travel insurance with bipolar disorder
What is Bipolar Disorder?
Bipolar disorder which was known in the past as manic depression, is a condition that affects your moods, which can swing from one extreme to another. If you have bipolar disorder, you will have periods or "episodes" of:
• depression – where you feel very low and lethargic
• mania – where you feel very high and overactive (less severe mania is known as hypomania)
The symptoms of bipolar disorder depend on which mood you are experiencing. Unlike simple mood swings, each extreme episode of bipolar disorder can last for several weeks or longer, and some people may not experience a "normal" mood very often.
The depression phase of bipolar disorder is often diagnosed first. You may initially be diagnosed with clinical depression before having a manic episode later (sometimes years later), after which you may be diagnosed with bipolar disorder.
The high and low phases of bipolar disorder are often so extreme that they interfere with everyday life. However, there are several options for treating bipolar disorder that can make a difference. They aim to control the effects of an episode and help someone with bipolar disorder to live life as normally as possible.
It is thought that using a combination of treatments is the best way to control bipolar disorder. Treatment can include:
• medication to prevent episodes of mania, hypomania (less severe mania) and depression – these are known as mood stabilisers and are taken every day, on a long-term basis
• medication to treat the main symptoms of depression and mania when they occur
• learning to recognise the triggers and signs of an episode of depression or mania
• psychological treatment such as talking therapy to help deal with depression and to give you advice about how to improve your relationships
• lifestyle advice such as doing regular exercise, planning activities that you enjoy and that give you a sense of achievement, and advice on improving your diet and getting more sleep.
This link might help if you would like to compare travel insurance with bipolar disorder
Setting up travel insurance if you have bipolar disorder will be cheaper if you go to a specialist website that provide a range of underwriters and options for cover. Be wary of your bank, especially if they offer so called “free cover” as they are unlikely to be specialists and the small print will probably exclude pre-existing medical conditions.
Travel agents are also unlikely to offer a wide selection of specialist travel insurance companies to cover bipolar disorder as they usually only provide quotes from a single company to make their lives easier when training their staff.