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Getting travel insurance after a heart attack is very important and can be easier than you might think. Without the right cover, you could end up with massive medical bills if taken ill again while on holiday.

Travel insurance can allow you to enjoy your trip worry free, knowing you are protected if anything goes wrong. Travel insurance can prevent financial loss in a range of circumstances including lost luggage, cancelled flights and medical emergencies.



You should be able to get travel insurance post heart attack, but it is worth getting proper advice first.

Having a heart attack can leave you more vulnerable to further medical issues such as:

  • Stroke
  • Atrial fibrillation
  • Heart failure

This makes it even more important to have proper protection in place, in the event of a medical emergency while abroad.


Coronary angioplasty is a common treatment for heart attacks. In this procedure, a stent (metal mesh) is inserted to keep an artery in the heart open. This treatment shouldn’t prevent you from living your life and going on holiday if you wish to.

You should be able to get specialist travel insurance for someone who has had a heart attack and a stent. These policies will offer more extensive cover and will usually be a better option than a standard policy.


When applying for travel insurance after a heart attack, you will need to answer a few questions. This includes question about your trip and about your health (medical screening process). Insurers will want to know things such as:

  • When did you have a heart attack? Was this recent?
  • Have you had multiple heart attacks?
  • Do you have any other heart conditions?
  • Do you have other related medical conditions? E.g. high blood pressure or heart disease
  • Have you had surgery to treat your heart attack? E.g. angioplasty, bypass or stent
  • Have you experienced any symptoms since your heart attack? E.g. chest pain or tightness, shortness of breath
  • Do you take medication to manage your condition and what dosage?


If you were to suffer a heart attack while on holiday, travel insurance could help you avoid very costly medical bills. Medical treatment in foreign countries can be extremely expensive, particularly if you needed surgery.

Travel insurance policies won’t cover previous attacks (or other existing medical conditions) automatically. While a standard travel insurance policy will work for many people, anyone with a pre-existing condition should consider more specialist cover.

It is possible to get great travel insurance with heart attack cover. These policies will offer you a higher level of protection if something unexpected happens on holiday. The key is to know who to apply to for the fairest pricing. No one wants to pay more than they should for the cover they need.


Before enquiring about heart attack travel insurance, it is important to check with your GP that it is safe for you to travel after your heart attack.

If you have already suffered a heart attack, you are at greater risk of having another one. Medical treatment abroad can be very costly if you are not covered.

By taking out travel insurance, you are covering yourself for:

  • Medical treatment and repatriation (if needed)
  • Replacing lost or stolen medication
  • Late flights
  • Cancellations
  • Baggage delays
  • Lost or stolen personal items
  • And more…

Around 1 in 20 people claim on their travel insurance, so having it gives you peace of mind when you travel abroad.


You might wonder ‘how much is travel insurance after a heart attack?’. There are a few things that will affect the cost of travel insurance for heart attack patients.

Insurance underwriters will assess your application for travel insurance following a heart attack based on the following:

  • How many heart attacks you have had in total.
  • The date of your most recent heart attack.
  • Whether you have ever had a heart bypass, an angioplasty or coronary stent.
  • Any procedures/surgeries you may have had as a result of a heart attack.
  • Whether you have experienced any angina symptoms (e.g chest pain, chest tightness) since your last surgery, and how long ago this was.
  • Whether you are awaiting any tests results, surgery or to see a heart specialist.
  • Underlying health conditions such as high blood pressure or cholesterol problems.
  • Medications taken to manage your conditions and dosage.

The price of your policy will also vary depending on:

  • How much cover you need (sum assured £s)
  • Type of cover (single trip vs annual)

The best way to find cost effective travel insurance for heart attack sufferers is to speak to an experienced travel insurance advisor. A travel insurance expert who specialises in medical conditions will be able to find the cover you need at a price to suit your budget.


There are two main types of travel insurance to choose from. The one that works best for you will depend on your own circumstances and how often you travel. You can choose between:

  • Single trip cover: Will provide travel cover for one specified holiday, can be more cost-effective if you do not travel often.
  • Annual cover: Will cover multiple holidays within a 12 month period, can be useful for frequent travellers.

There are also more specific types of travel cover including:

  • Cruise cover
  • Winter sports cover

You shouldn’t be limited in where you can travel to following a heart attack. It is sensible though to first check with your doctor if you are fit to fly, particularly if your heart attack was recent. Some insurers will also request to see a note from your doctor stating this before approving your travel cover.

You should also think about where you are travelling to and the rough cost of medical treatment there. Many countries will charge high prices for medical treatment to non-residents and pricing can vary massively depending on each country.


Our specialist travel insurance partners are proud to offer medical conditions travel cover with NO AGE LIMITS.

All you need to do is enter basic details about your health and your trip and they will do the rest. You will then have access to personalised quotes for travel insurance after heart attack.


According to the British Heart Foundation, in the UK there are around 100,000 admissions to hospital every year due to heart attacks.

We know it isn’t always easy to find the right travel insurance if you have had a heart attack. Here is you can compare the best quotes to protect your holiday and save money following a heart attack.

1. Call to speak to travel insurance experts or get an online quote

After booking your holiday, it is always best to get travel insurance as soon as possible. This way your holiday is properly protected even before you’ve left your own home.

CLICK HERE to get your quotes online

2. Answer some quick questions

You will be asked a few easy and simple questions about your holiday plans and your health (medical screening). This will help you get the cheapest and best available quotes for travel insurance after a heart attack.

3. Get your personalised heart attack travel insurance UK quotes


Here, we have a range of other policies we can help with for people who have suffered a heart attack in the past:

What is a heart attack?A heart attack or ‘myocardial infarction’ is a very serious medical emergency. There are various things that can cause heart attacks such as heart disease.
What are the warning signs of a heart attack?Common signs and symptoms of heart attacks include:

Chest pain
Pain in your arm, jaw, neck back or stomach
Feeling faint or dizzy
How soon after a heart attack is it safe to travel?You can travel within as little as 10 days from having a heart attack, provided your doctor states it is safe to do so.
What happens if you have a heart attack abroad?If you have a heart attack abroad you should seek medical treatment immediately.

Medical treatment can be very expensive in other countries. Travel insurance can help prevent losses of hundreds or thousands of £s.
Do heart conditions stop you flying?NO – People with heart conditions can fly, as long as their doctor confirms this is safe.


NHS – When can I fly after a heart attack?

British Heart Foundation – Holidays and travel

British Heart Foundation – Planning a holiday when you have a heart condition

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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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