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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 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.

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?

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

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

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.

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.

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.

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.

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

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

Other insurance products for 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

NHS – When can I fly after a heart attack?

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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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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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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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