arthritis

Anyone trying to avoid the payment may face much higher fees

Millions of people face the prospect of having to pay an extra £1,000 if they want to take a holiday abroad in 2026.

One in five people on NHS waiting lists plan to holiday abroad without travel insurance, according to a recent survey, risking falling ill overseas and incurring hefty healthcare fees. There are currently more than 7.1million adults waiting for consultant-led treatment – and a further 1.7million waiting for a diagnosis – with many unable to take out insurance policies due to the high cost.

Of the 95% who are on, or have been on, a waiting list in the last three years and refuse to miss their holiday, 15% have paid up to £1,000 extra to ensure they’re protected. Many insurers keep their premiums low by not covering existing medical conditions, meaning patients on waiting lists with potentially serious conditions will need to take out specialist cover.

Those waiting for a condition to be diagnosed will find it particularly difficult to find appropriate travel insurance – and one in four plan to holiday without the correct cover. One in 20 currently waiting to be seen by the NHS have found accessing specialist travel insurance so difficult, or so expensive, they haven’t holidayed abroad because of it.

The poll of 2,034 adults commissioned by Wellsoon from Practice Plus Group found adults with hernias are the most likely to holiday without the correct cover, followed by those with cancer. The hardest conditions to find insurance for are heart or blood pressure issues followed by musculoskeletal issues including arthritis, hip or knee pain, back pain, neck or shoulder pain.

A spokesperson for Practice Plus Group said: “It’s a story we hear regularly from people who have a health issue they want to be addressed before they go on holiday, but they’re on a waiting list. They’re worried about going away when they’re in limbo, potentially needing to seek medical help a long way from home and not knowing how much it might cost.

In April 2021, the Financial Conduct Authority introduced new requirements to help consumers with more serious pre-existing medical conditions (PEMCs) better navigate the travel insurance market. Firms that sell travel insurance are required to signpost consumers to one of two directories of specialist firms that provide this type of insurance – one of which is the MoneyHelper directory, provided by the Money and Pensions Service.

A spokesperson from the Money and Pensions Service, which provides a directory of specialist firms that offer travel insurance for pre-existing conditions, said: “If you have a pre-existing health condition you must disclose this to your insurer. Otherwise, when you come to make a claim, it could be rejected.

“Depending on your circumstances, you may be asked to complete a medical exam. This will allow insurance providers to tailor your travel insurance policy to cover your needs. Taking specialist medical travel insurance will give you peace of mind that your medical condition is covered in the event of a claim.

“Our MoneyHelper service provides contact details of companies which specialise in this.”

Adam Thomas has been battling a health condition, brought on by an autoimmune disease, which means he struggles to walk and was enduring ‘pretty unbearable’ pain

Adam Thomas has been battling a health condition, brought on by an autoimmune disease, for years. During a conversation on I’m A Celebrity tonight, boxer David Haye will be seen trying to get Adam to take taking part in the Termite Terror, unable to accept that the former soap actor just isn’t feeling up to it.

Trying to sleep, Adam admits it would be hard to get through it today because he is feeling dehydrated, but David is seen raging: “Dehydrated?! We’ve all got the same amount of water! Adam is doing it and that’s it!”

David’s co-stars continually try to remind him that their campmate isn’t feeling well enough to get through it, but he becomes hellbent on trying to force Adam into it. He continues: “When is your top form gonna come? Why aren’t we forcing this dude to go and do it? Coincidentally, every time there’s something to do, he’s not feeling well!”

It is at that point that Scarlett, clearly in despair at the situation developing, says: “Stop it David, he’s not well!” Adam previously said he had been in pain every day since his diagnosis – but he had finally found something that would help.

“I’ve been struggling with this autoimmune disease now for about two and a half years. It’s been tough. I’m not overexaggerating when I say this but literally within two and a half years, every day I’ve been in pain,” he explained.

“It’s difficult but now I feel like I’ve found – because I’ve been on so many different meds and trying so many different things, back and forth from doctor’s and hospitals.” Back in 2024, Adam explained that he could “barely walk” and was enduring “pretty unbearable” pain due to his arthritis. Adam took to Instagram and told his followers: “The pain is pretty unbearable at the moment, it’s as if my whole body is seizing up!! The pain was bad before, but it’s a lot worse now… how why???

“Now I wish I never came off the methotrexate because I would take that pain to this every day of the week! I’ve just started my new medication today which takes 12 weeks to take effect and even then it might not work so am not too sure what I can do to ease the pain until then?? I’ve had my steroid injections and it literally lasted a week …

“Going to check in at the hospital tomorrow to see what pain relief I can get, because I can’t carry on like this!” Arthritis is a common ailment causing pain and inflammation in the joints, according to the NHS. Main treatments include lifestyle changes, physiotherapy, medication, and in severe cases, surgery. However, there’s no known cure.

An orthopaedic surgeon said that arthritis can be “very debilitating” and may appear in unexpected areas. He explained that while people often think of hips and knees being affected, they don’t usually consider the hands.

Talking about the pain which is often overlooked, Dr Tom Naylor said that “when you’ve got arthritis pain in the thumb right there (video below) it affects so much of what you do on a daily basis. And it really is debilitating for people who have this”.

Speaking on BBC Morning Live, he explained arthritis as a term that causes pain, stiffness and inflammation in the joints. He said: “It literally means inflammation of a joint.”

Talking about CMCJ, which stands for Carpometacarpal joint, he said that it was all to do with the “joint down at the bottom of the thumb and what happens is the joint starts to wear away and the cartilage starts to get more and more worn.

“Even a deformity can start to form and it impacts everything that you do with your hands.” Speaking about treatments for this type of arthritis, the doctor said: “With all types of arthritis, we tend to follow was called a stepwise approach to treatment.”

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