Travel insurance for heart conditions
Finding the right travel insurance can be especially important for someone with a heart condition. If you were to fall ill on holiday, you could face extortionate medical costs for your treatment.
Proper travel insurance for heart conditions can help you avoid significant financial difficulty if you need medical treatment while you are away. Heart conditions travel insurance can protect you in many situations. It covers you in the event of medical emergencies, lost valuable items and flight cancellations.
More about MEDICAL CONDITIONS TRAVEL INSURANCE.
Can I get travel insurance with a heart condition?
It should be possible to get travel insurance for people with heart conditions, but you may end up paying more than you need to. To find the best travel insurance for pre-existing heart conditions, it is useful to get proper advice before choosing your policy.
Some providers may be wary of offering cover to people with heart conditions due to a higher risk of claiming due to ill health. A heart conditions travel insurance expert will know which insurers will have the best policies and pricing available.
You shouldn’t let your heart condition prevent you from going on holiday, though you should check with a doctor that you are fit to travel. Some insurance companies may request to see a note from your GP stating this before they will approve your cover.
Specialist travel insurance for heart conditions can give you peace of mind that you are covered if something unexpected happens while you are away. You shouldn’t assume standard travel insurance will include enough cover, even if your symptoms are mild.
How does heart conditions travel insurance work?
If you need to apply for travel insurance with a heart condition, you will be asked a few questions about your trip. You will also be asked questions about your heart condition such as:
- When were you diagnosed?
- How severe are your symptoms?
- Do you take medication for your heart condition?
- Do you have other medical conditions?
- Have you ever had surgery to treat your heart condition? E.g. angioplasty, bypass or coronary stent fitted
- Do you have a pacemaker?
Some insurance providers might offer travel cover but with ‘exclusions’ attached. This means you would not be able to claim on your policy due to your heart condition or anything related. You would still be able to claim on your policy for a range of other reasons.
Which travel insurance covers heart conditions?
Standard travel insurance will not include cover for pre-existing medical conditions automatically. It is possible to find great travel insurance that covers heart conditions when you get the right advice.
If you have a heart condition, it can be better and more cost effective to choose a specialist travel insurance policy. These policies will be able to offer a better level of cover, in the event your heart condition impacts your holiday. You may become ill when you are away or even before you leave, meaning you need to cancel your trip.
This is why we would always advise getting travel insurance as soon as possible after booking a holiday. That way you can make the most of your cover and are protected even before you leave. You should be able to get travel cover for various heart conditions such as:
- Heart Attack
- Angina
- Atrial Fibrillation
- Heart disease
- Cardiomyopathy
What does travel insurance with heart conditions cover?
A specialist travel insurance policy for heart conditions will cover you everything a standard policy does, plus extra cover. You will be able to claim for various events that happen unexpectedly while you are on holiday.
You will be covered in situations such as:
- Losing your passport
- Lost or stolen valuable items
- Flight delays or cancellations
- Cancelling your holiday or cutting it short due to ill health
- Lost hand luggage or hold luggage
- Emergency medical treatment costs
- Repatriation to the UK
- Personal liability
How much is travel insurance with a heart condition?
Travel insurance for heart conditions can be more affordable than you may think. The main things that will affect the cost of a travel insurance policy are:
- Destination (e.g. Europe or Worldwide)
- Length of trip
- Type of travel (e.g. single trip or annual)
- The type of holiday
If you have a heart condition, the price of your policy will also vary depending on:
- Your age
- When you were diagnosed
- Severity of symptoms e.g. chest pain
- Medication/treatment
- Previous surgeries
- Recent hospitalisation
- Complications or related health conditions e.g. high blood pressure
You should always declare your heart condition and all relevant medical information to your insurance provider. If you aren’t honest about your health, you risk any medical related claim being denied. Premium costs can vary massively so it is always best to speak to a specialist so you get the fairest price.
If you are worried about cost, a travel insurance expert can help you get cheap travel insurance for heart conditions.
Best travel insurance for someone with a heart condition
There are 2 main types of travel insurance to choose from, when you want to protect yourself from financial loss on holiday. These are:
- Single trip cover: you are covered for one specific trip. This is a popular option for people who are not frequent travellers.
- Annual travel insurance: This can be a good choice for someone who travels often. This policy will cover multiple trips in a one year period (12 months).
The quickest and easiest way to find the best travel insurance for heart condition patients is to speak to a travel insurance specialist. An insurance expert with the right knowledge and background will know exactly which insurers are best for covering people with heart conditions.
They will also be able to easily compare a range of policies across the market, so you only ever pay the fairest price for your travel cover.
Travel insurance for children with heart conditions
You might not think of getting travel cover for your child when booking a holiday. However, if your child has a heart condition you could face massive costs if they were to become ill abroad.
Seeing your child unwell will already be a distressing enough situation without the extra stress of huge medical bills. You should be able to get travel insurance for a child with heart conditions, but it can be helpful to speak to a travel insurance specialist for advice and support.
You will need to disclose your child’s heart condition when applying for a policy. This helps the insurer estimate prices and give your child the most suitable level of cover.
Do heart conditions affect where I can travel to?
Specialist travel insurance shouldn’t include limitations for where you can travel to because of your heart condition. If you have a serious heart condition, you should always check with your doctor that you are well enough to fly before booking any trips abroad.
Always answer any questions you are asked honestly to make sure your cover is right for you, no matter your destination.
More traditional policies may include certain restrictions, so it is always best to shop around to find the right cover. Medical costs can be extremely high and pricing can vary depending on the country. You should check the terms of your policy carefully to make sure you are covered for everything you need.
Is there an age limit for travel insurance for people with heart conditions?
Our amazing travel partners can find brilliant medical travel insurance policies with NO AGE LIMITS. These specialists allow you to enter your age and your travel details to get your personalised travel insurance for heart conditions quotes. You should be able to get:
- Travel insurance for over 50s with a heart condition
- Travel insurance for over 60s with a heart condition
- Travel insurance for over 70 with a heart condition
- Travel insurance for over 80 with heart condition
Compare pre-existing heart conditions travel insurance
The British Heart Foundation states that there are around 7.6 million people in the UK with a heart or circulatory disease. There are also around 100,000 admissions to hospital every year due to heart attacks.
If you need travel insurance for a person with heart conditions, here is what you should do.
1. Call and talk to a heart condition travel insurance expert (or get a quote online)
If you have a heart condition it can be useful to get specialist advice before applying for travel insurance. It is best to get travel insurance as soon as you can after booking a holiday, in case anything goes wrong.
CLICK HERE to get your quotes online
2. Answer a few simple questions
You will be asked a few questions about your heart condition (medical screening process) plus easy questions about your trip. This helps insurers to make sure you get the most suitable cover.
3. Get your tailored heart conditions travel insurance quotes
You will receive specially tailored quotes for your travel insurance cover from our carefully chosen travel partners.
Other insurance products for heart conditions
- Income protection insurance
- Critical illness cover
- Personal accident insurance
- Heart conditions life insurance
Frequently asked questions about heart conditions
| What are the 5 most common heart problems? | The most common heart conditions are: Heart attack Stroke (affects heart) Heart disease Arrhythmia (irregular heartbeat) Coronary artery disease |
| What is the most common heart condition? | The most common heart condition in the UK is a heart attack. |
| What heart conditions can you not fly with? | Heart conditions shouldn’t stop you from flying. However, you should check with your doctor that you are fit to fly. Some conditions will restrict you from flying for a set amount of time. For example, it advised not to fly for at least 10 days following a heart attack. |
| Can you go on a cruise with a heart condition? | YES – You will be able to go on a cruise if you have a heart condition. The cruise line and travel insurance company may request a letter from your doctor stating you are well enough to travel/ |
| Can flying worsen heart conditions? | In some cases, flying can make symptoms of heart conditions worse. You should always check with your doctor that it is safe for you to fly. |
Useful resources
British Heart Foundation – Holidays and travel
British Heart Foundation – Planning a holiday when you have a heart condition
Civil Aviation Authority – When can I fly after a heart attack?
