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Atrial Fibrillation Travel Insurance Guide UK 2024

If you have a heart condition like atrial fibrillation (A-fib), travel insurance can be especially important. If you become unwell overseas or need to cancel your holiday due to your health, travel insurance will help prevent big financial losses.

Anyone with a pre-existing condition should get proper advice and support before applying for travel insurance. An atrial fibrillation travel insurance expert will help you find the right level of cover at an affordable price.

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60-Second Summary – Atrial Fibrillation Travel Insurance Guide UK 2024

It can be especially important to get the right travel insurance if you have a heart condition like atrial fibrillation. These policies will protect you financially if you need medical treatment while abroad. You can also claim for other unexpected events like losing your luggage or if your flight is cancelled or delayed.

  • Buying specialist medical travel insurance ensures that you have the right level of cover and that your policy will pay out if you experience medical issues while you are away.
  • You should always declare your heart condition when you apply for travel insurance. If you don’t mention atrial fibrillation and then need to claim, your insurer may not pay out.
  • The easiest way to find cheap and suitable travel insurance for atrial fibrillation is by speaking to a medical travel insurance specialist.

Can you get travel insurance with atrial fibrillation?

You may be asking ‘can I get travel insurance with atrial fibrillation?’. The answer is yes, but it can be helpful to speak to a specialist who is familiar with how atrial fibrillation affects travel insurance.

Getting travel insurance with atrial fibrillation can be easier and cheaper with the right help and advice. Some insurance companies will be hesitant to offer cover to people with heart conditions, as the risk of claiming can be higher. Your irregular heart rate can be made worse at high altitudes (e.g. when flying) so it is best to ensure you have the right cover in place.

Atrial fibrillation is a common heart condition and can be seen as lower risk compared to severe conditions, such as heart disease or heart attack. This doesn’t mean there are no risks. For example, the Stroke Association states that atrial fibrillation contributes to around 1 in 5 strokes.

Will atrial fibrillation affect my travel insurance?

Another question we commonly hear is ‘does atrial fibrillation affect travel insurance?’. The main thing to remember with atrial fibrillation and travel insurance is that standard travel policies won’t cover heart conditions.

Pre-existing medical conditions aren’t covered as standard by travel insurance. You could opt for a standard policy, but you are unlikely to receive the level of cover you might need if something goes wrong. This is why it is better to look into specialist heart conditions travel insurance that can offer a higher level of protection.

If your atrial fibrillation causes a medical emergency overseas, you can be faced with bills of hundreds or thousands of £s. If you don’t have enough medical cover, it may be a struggle to find the funds needed for this.

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What does atrial fibrillation travel insurance cover?

Travel insurance is designed to protect you against a range of unexpected events that could happen on holiday. You will be covered for things such as:

  • Lost baggage or hand luggage
  • Lost or stolen items of value
  • Cancellation cover
  • Flight delays or missed departures

Standard travel insurance will include some medical cover. A specialist atrial fibrillation travel policy will include additional cover including:

  • 24/7 medical assistance
  • Emergency medical expenses and repatriation to the UK (Up to £15million)
  • Replacement medication

There are a few factors that will have an impact on how much you pay for your travel insurance. The main factor that will affect the cost of any travel insurance policy are:

  • Destination (Europe or Worldwide)
  • Length of trip
  • Type of travel cover (e.g. single trip or annual cover)
  • The type of holiday (e.g. cruise, winter sports etc)

If you have atrial fibrillation, you will also be asked questions about this when you apply which can affect pricing. You will be asked about:

  • Your age
  • How long ago you were diagnosed
  • How severe your symptoms are
  • How often symptom occur
  • If you have had surgery to treat atrial fibrillation e.g. having a pacemaker fitted
  • Any hospitalisations related to your heart
  • Any other medical conditions you have

It is important to declare your atrial fibrillation when you apply for travel insurance. If you don’t you may end up with the wrong level of cover or a policy that won’t pay out when you need it to.

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What is the best travel insurance for atrial fibrillation?

There are a couple of popular options for travel insurance, that can protect you while you are away. These are:

  • Single trip cover: you are covered for one holiday specified when you buy your policy.
  • Annual travel cover: you are covered for any trips taken in a 12 month period.

Paroxysmal atrial fibrillation is when you experience sporadic episodes of irregular heart rate within a 48-hour period. You should still be able to get travel insurance with paroxysmal atrial fibrillation and it can be more affordable than you may think.

Our amazing travel partners can also help with cover for paroxysmal atrial fibrillation and other forms of atrial fibrillation including:

  • Persistent atrial fibrillation
  • Permanent atrial fibrillation
  • Long-standing atrial fibrillation

Having a health condition like atrial fibrillation shouldn’t prevent you from enjoying holidays like anyone else. You will just need to consider that medical costs can be very high depending on the country you are travelling to.

It is always best to make sure you have enough medical cover in place, particularly if travelling to a country like America where medical bills can be extremely high. If not, you risk having to pay some or all of this cost yourself, which will be unaffordable for most people.

Is there an age limit for atrial fibrillation travel insurance?

Our brilliant travel insurance partners are pleased to offer excellent travel cover with NO AGE LIMIT. They also specialise in travel insurance cover for pre-existing inhealth conditions including atrial fibrillation.

You can get the travel cover you need, no matter how old you are. All you need to do is answer some simple questions about your trip and your health to receive your personalised quotes.

Compare atrial fibrillation travel insurance

Atrial fibrillation is the most common form of irregular heart rhythm in the UK. Around 1.4 million people in the UK are living with atrial fibrillation. It is estimated that more than 400,000 people live with undiagnosed and untreated atrial fibrillation.

If you have atrial fibrillation and need help with your travel cover, we can help. Here is how to get your personalised travel insurance quotes.

1.    Call and speak to a travel insurance expert (or get an online quote)

Talk to a medical travel insurance specialist to find the cover you need at the fairest price. It is best to get cover as soon as your holiday is booked, so you are properly protected if anything happens.

CLICK HERE to get an online quote

2.    Answer some simple questions

Answer a few questions about your health (medical screening) and where you are going (plus trip duration).

3.    Receive your specially tailored atrial fibrillation travel insurance quotes

Other insurance policies for atrial fibrillation

Can you fly with atrial fibrillation?

YES – Most people with atrial fibrillation will be able fly safely, provided their symptoms are well controlled. It is always best to check with your doctor before booking a holiday to ensure you are well enough to travel.

What is atrial fibrillation (NHS)?

The NHS defines atrial fibrillation as a heart condition which causes an irregular (usually fast) heart rate. In some cases, this can be higher than 100 beats per minute.

Can stress cause atrial fibrillation?

Anxiety or stress can be known to trigger atrial fibrillation and make symptoms worse. It is important to try and relax while travelling to avoid stressful situations worsening your symptoms.

What are the symptoms of atrial fibrillation?

The main symptoms of atrial fibrillation include:

  • Heart palpitations
  • Rapid heart rate
  • Dizziness
  • Fatigue
  • Chest pain
  • Breathlessness
  • Low blood pressure (in some cases)

Is atrial fibrillation a serious heart condition?

Atrial fibrillation is classed as a less severe heart condition. It can however be uncomfortable and need treatment such as medication or surgery (e.g. fitting a pacemaker).

Useful Resources

British Heart Foundation – Holidays and travel with a heart condition

WebMD – Travelling safely with atrial fibrillation

Mayo Clinic – Planning to travel with atrial fibrillation

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What does Martin Lewis say about travel insurance?

Martin Lewis provides lots of guidance for holidaymakers who are searching for the best deals on their travel insurance. One of the biggest recommendations from Martin Lewis travel insurance advice is ‘ASAB’ (As Soon As you Book), which basically translates to suggesting that you should buy your travel insurance as soon as you’ve booked your holiday.

In an interview on This Morning talking to Martin Lewis about travel insurance, he claims that he is constantly being asked by consumers, “what can I do if I’ve been diagnosed with a medical problem and I can’t go on holiday because my travel company won’t give me a refund?”. According to Martin Lewis travel insurance recommendations, 50% of the value of your travel insurance cover is before you are due to travel.

Top reasons for holiday cancellations before travelling:

  • Sickness or illness
  • Accidents causing an injury
  • Emergency at home
  • Family emergency
  • Work commitments
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Martin Lewis Travel Insurance - iam|INSURED

Is it worth taking out travel insurance?

Almost all financial experts such as Martin Lewis and citizensadvice.org.uk, strongly recommend that you take out a travel insurance policy and that you do it quickly. The financial and emotional impact of not having travel insurance while overseas can be catastrophic if you require medical treatment or if you are victim of a crime.

The cost of travel insurance is generally affordable for most holidaymakers and you should factor this in to the cost of your holiday. Risking not having travel insurance and then having a medical emergency when you are overseas, especially in certain destinations, can cost you thousands.

What does travel insurance cover?

Most travel insurance policies will provide the same core elements such as medical emergencies, repatriation, legal expenses, loss, theft or damage to personal belongings, and cancellation or curtailment of your trip. The types and levels of cover can vary dramatically from one policy to another so you should make sure that you’re getting the cover that you want and that you need.

Also, some travel insurance policies won’t cover you for certain destinations, activities or types of holidays, such as:

  • Cruise holidays
  • Winter sports
  • Worldwide travel
  • Pre-existing medical conditions

Note: Travel insurance will generally exclude any accident or injury that has happened whilst under the influence of alcohol or drugs.

What is classed as a pre-existing medical condition for travel insurance?

According to one of the UK’s top travel insurance providers, Staysure clearly states that ‘you must declare ALL pre-existing medical conditions when your take out a travel insurance policy’. Witholding any information about your health or medical history could expose you to the risks of rendering your cover invalid and therefore class any claims as ‘null and void’.

Any of the following pre-existing conditions must always be disclosed on your travel insurance application:

  • Cardiovascular conditions (e.g. blood pressure, cholesterol, heart disease etc.)
  • Cancer(s)
  • Any Stroke or Transient Ischemic Attack (TIA)

You should also let your travel insurance provider know about any of the following medical investigations, tests or treatments in the past two years:

  • Symptoms (whether or not you have consulted a doctor)
  • Medication or treatments
  • Scans or investigations
  • Medical appointments and check-ups
  • Surgery
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Martin Lewis pre-existing medical conditions - iam|INSURED

How much should I spend on travel insurance?

According to a recent travel insurance survey carried out by Forbes Advisor’s Analysis (Average cost of travel insurance 2023), the average cost of travel insurance is between 5% and 6% of the cost of your trip.

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