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Heart disease travel insurance

When you live with heart disease, taking regular holidays is a great way to relax and minimise stress. It’s important, however, to plan ahead carefully when you are going to be away from home.

First and foremost, it’s important to talk to your doctor about your heart disease and how it affects you before booking any trips . They will be able to confirm that you are well enough to go away. You can also discuss the things you should and shouldn’t be doing during your holiday, such as any activities you may want to participate in.

In many cases, having heart disease is no barrier to an enjoyable and fulfilling breakaway. However, being aware of how to take care of yourself while away is the best way to ensure your holiday is a relaxing getaway you need.

best travel insurance with heart problems

What is heart disease?

The term ‘heart disease’ is often used interchangeably with ‘cardiovascular disease’ and generally refers to conditions that involve or cause narrowed or blocked blood vessels. When fatty deposits build up in the arteries, blood flow is restricted and cannot travel around the body as it should. This impaired blood flow can in turn lead to further problems such as heart attacks , heart failure , angina , and strokes .

As a catch-all term, heart disease also covers heart rhythm problems and defects, such as arrhythmias and atrial fibrillation , as well as the things that cause them.

Please note, when looking for heart disease insurance, you must declare all of the conditions you have so that you are properly insured.

As it covers so many conditions, heart disease is very common. In the UK alone, the British Heart Foundation (BHF) estimates that there are approximately 7 million people living with a form of heart disease. Thankfully, modern medicine has helped to make them easier to live with; the annual number of heart disease-related deaths has fallen by more than half since the BHF was established in 1961.

What risk factors are associated with heart disease?

The risk factors for heart disease are many and complex; there can often be a mix of factors involved, including:

  • Family history of cardiovascular disease, including heart attacks , strokes , angina , heart failure , hypertension , cardiomyopathy , and peripheral vascular disease
  • High blood pressure
  • High cholesterol levels
  • Unhealthy diet
  • Physical inactivity
  • Alcohol intake

Many things that increase the likelihood of developing heart disease are associated with lifestyle. Of these, the World Health Organisation (WHO) lists an unhealthy diet, physical inactivity, smoking, and drinking too much alcohol as the ones linked to the biggest risk.

Why do I need specialist travel insurance for heart disease?

Even if your condition is under control and you feel well, it’s important to remember that heart disease can be unpredictable. Part of the joy of travel is being introduced to new places and experiences, but when you have heart disease, it is vital to take account of the impact this could potentially have on your health.

This is where heart disease travel insurance comes in. A travel insurance policy for heart disease should cover all of the conditions that relate to your heart and circulation, so should your health take an unexpected turn for the worse while you’re away, you will be cushioned from the costs of your medical treatment. Health care around the world, particularly emergency treatment, often comes with very high costs attached.

Without Heart Disease insurance in place, an extended stay in an overseas hospital can be incredibly expensive. What’s more, without heart disease travel insurance in place, you would also have to fund alternative travel arrangements to get you home, if you were unable to travel back as you had planned.

You may have already found that many standard travel insurance companies refuse to offer cover due to your heart disease, but that doesn’t mean you have to travel uninsured. A medical travel insurance provider, like Free Spirit, is best-placed to offer travel insurance to people of any age who have pre-existing health conditions , such as heart disease.

Our travel insurance for heart disease includes the essential aspects of cover you need , such as your medication and medical aids should they get lost or damaged. One of the most important protections we offer is cancellation cover, which ensures you don’t lose out financially on flights and/or accommodation costs if you have to cancel your trip in the run-up to your departure date due to your health*.  Having this arranged nice and early should give you peace of mind as you look forward to your holiday.

* Cover is subject to the terms, conditions, and limits of the Insurance Policy .

How can I get heart disease travel insurance?

It’s easy to get a quote for heart disease travel insurance with us. If you’d prefer to apply online, our fully interactive website includes medical screening, or if you’d rather talk to someone over the phone, our friendly travel insurance specialists are available on 02392 419 080. 

Whatever way you prefer to apply for travel insurance for heart disease, we will need to ask you some questions about your conditions and the way in which these affect you to determine your premium. The questions you are asked may vary depending on your personal circumstances, but some of the questions you may expect to be asked include:

  • Have you ever had a heart bypass, an angioplasty, or a coronary stent?
  • Have you ever been a smoker?
  • How many (if any) heart attacks have you had?
  • Do you suffer from atrial fibrillation (irregular heartbeat)?
  • Can you always walk 200yds on the flat with no chest pain or tightness or breathlessness?

We like to do things thoroughly at Free Spirit, so we may well have other questions to ask. This just helps us ensure you get the right travel insurance for your heart disease. Please try to give us as much information about your heart disease as possible, so that we can make sure you’re properly covered for your upcoming trip.

If you’d like to know more about our heart disease insurance, or have any questions whilst getting a quote on our website, please don’t hesitate to call us. For a wealth of extra information, you can also take a look at our guide to travelling with heart conditions . Or, if you have a specific query, you can ask the Free Spirit Team , our resident expert in medical travel insurance.

Heart disease travel tips

Living with a heart condition can be challenging but enjoying a relaxing holiday can help – regardless of whether you’ve just been diagnosed or have been living with it for some time.

Here are some useful tips to help you travel safely with heart disease:

1. Choose your destination wisely

Think carefully about where you are going and what you are likely to do when you get there. A trip to Athens, for example, may involve lots of uphill walking and narrow steps, which can place unnecessary stress on your heart. Similarly, it might be best to avoid destinations that are very hot or very cold, or at a high altitude (over 2,000m).

Consider public transport as well – the easier it is to get around, the less strenuous walking you have to do. This is particularly important in warmer climes, where the heat really can sap your energy.

It’s imperative to think about healthcare provisions, and whether you’ll have easy access to professional help in the event of a medical emergency. Some smaller islands may not have accident and emergency facilities, for example. A little research should help you locate nearby pharmacies and doctors’ surgeries that stock any relevant medication, have a look in advance, and make a list to take with you so that you have the information to hand.

Speaking of medication…

2. Organise your medication in advance

it’s crucial that you sort out any medicines you need for your heart disease before going away for any length of time. If you are entitled to free prescription services here in the UK, the same is unlikely to be true in another country, so make sure you’re stocked up on everything you need before you leave. When you speak to your doctor ahead of booking your trip, ask them to prescribe more than enough medication for the time spent away, and keep a list of prescribed medicines – including all known names – in case you need more in an emergency.

Depending on where you’re headed, you may also need extra permissions to take your heart disease medicine with you overseas. Some countries have very strict rules about the medications they permit visitors to carry, and even some commonly prescribed medicines can be restricted. Our blog about taking medicine on holiday with you summarises the advice from the Foreign, Commonwealth & Development Office (FCDO), and it is also a good idea to speak to your doctor about this.

It’s also a good idea to split your supply of heart disease medication across your luggage, just in case one of your bags was to go missing. Finally, if your heart disease travel insurance provider has a 24-hour medical emergency helpline number we recommend you put it into your mobile phone and make a note of it somewhere before you travel. Couple this with your policy product name and reference, so that it is all ready to hand should you need it – even if your phone breaks or runs out of charge!

3. Long haul flights

Most people with heart disease are able to fly without any trouble, but it’s certainly worth talking to your doctor about it– especially if you’re flying long haul. There are a few precautions you’ll need to take if you’ve been fitted with a pacemaker or ICD (implantable cardioverter-defibrillator) as well. Airport security will need to be made aware, and you’ll be required to take the appropriate documentation.

You may also need to tell your airline ahead of time if you need to take any liquid medicines of over 100ml on board with you. Call them in plenty of time before your departure and they will be able to advise you.

The risk of deep vein thrombosis (DVT) may also be higher if you have heart disease, so be sure to invest in compression socks and move regularly during your journey. A quick walk once every hour is recommended, and make sure to drink plenty of water.

Don’t forget, you may be able to get extra help at the airport if you need it, including help transporting your luggage and/or early boarding.

4. Arranging the right travel cover

Having travel insurance for heart disease in place is an essential part of your pre-holiday preparations. If you’d like to know more about the heart disease travel insurance Free Spirit can provide, please don’t hesitate to get in touch , or apply online now.

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We’re here to help

If you’d like to know more about our heart disease travel insurance, or have any questions whilst getting a quote on our website, head to our frequently asked questions page or get in touch with our friendly customer services team by calling 02392 419 080.

For further details of the cover we provide, take the time to read our insurance policy . You can also view our summary of cover by clicking here .

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Heart conditions and travel insurance

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Profile picture for user Tegan.Oldfield

Tegan Oldfield

3 August 2023 | Updated 20 October 2023 | 5 minute read

If you’re one of the seven million people in the UK living with a heart condition , it’s important to get the right travel insurance for you.

Here we discuss how to get insurance that covers you and your condition and how to stay safe while travelling.

Is it safe to travel with a heart condition?

You should speak to your doctor to find out if it is safe for you to travel.

For many, going abroad with a heart condition is still safe. Even if you have a pacemaker, cardiac resynchronisation therapy (CRT) device or implantable cardioverter defibrillator (ICD) fitted, you should be able to travel.

If you’ve recently had a heart attack or a major operation like heart surgery, you may need a letter from your doctor to prove you are fit to fly or travel.

Can I get travel insurance with a heart condition?

If you’re looking for travel insurance for heart conditions, each insurance provider will have their own rules around what they cover.

If you have pre-existing heart issues, you need to declare this to your insurer. Check whether the policy covers your specific condition and what it will protect you for, including any care you may need while away.

You can use MoneyHelper’s medical directory to find suitable insurance to cover your condition or by you can call 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).

Find out more about travel insurance for medical conditions .

What heart conditions can travel insurance cover?

Insurers that provide cover for pre-existing conditions typically cover:

  • atrial fibrillation
  • high blood pressure and cholesterol
  • heart attack/myocardial infarction
  • cardiomyopathy
  • blocked or narrowed arteries
  • valve disease
  • aortic aneurysm
  • heart failure
  • aortic stenosis

Check your policy book carefully to make sure your condition is covered; if you’re unsure, call your insurer.

What information do I need to tell my insurer? 

You usually need to tell your insurer about any medical condition you’ve had within the last two years. But with a heart condition, you must tell them if you’ve ever had one.

You’ll need to let us know about:

  • any problems with your heart
  • recent surgeries or procedures you’ve had
  • any emergency hospital visits
  • the medications you take for your condition

You should always answer these questions truthfully. If you don’t let us know about a medical issue that you later need to claim for, your insurance will be invalidated . 

This means you won’t be covered for the cost of any treatments you need or if you need to cancel a trip as a result of your heart condition.

Remember to inform your insurer about any health changes between buying your policy and going on holiday.

Is travel insurance with heart conditions more expensive?

You might have to pay more for your travel insurance if you have a heart condition.

It’ll depend on the severity of your condition and any other health problems you might have, but the price of your premium will always depend on:

  • where you’re going
  • how long you’re going for
  • what activities you’ve planned

Travelling with a pre-existing heart condition

When travelling with a heart condition, you should bring:

1. A valid Global Health Insurance Card (GHIC) , so you can access lower-cost medical care if you’re travelling to Europe. Read our guide on using the GHIC in Europe .

2. Enough medication to last your trip and a few more days’ supply to be safe. Read our guide on travelling with medicine .

3. A Device Identification Card , if you have a heart device fitted (such as a pacemaker), which doctors can refer to if you do need treatment.

4. Recent medical letters, records of treatment you’ve had, and a copy of your electrocardiogram (ECG) , for the same reason as above.

Flying with a heart condition

You can also take a few measures while travelling to your destination to keep your heart healthy.

If you have a heart device, let the security staff at the airport know. Your device shouldn’t be affected if you walk through the security scanners at a reasonable pace, but the staff will need to be careful when using a handheld metal detector.

They should hold it at least 15cm away from your device and avoid repeatedly sweeping over or lingering over it for a while.

You also might be at higher risk of developing deep vein thrombosis (DVT) on flights, so move around regularly and wear compression socks to help prevent a blood clot.

Speak to your doctor before flying to get specialised advice.

What to avoid on holiday with a heart condition

Specific temperatures and activities on holiday could worsen your heart disease symptoms. You should avoid:

  • Very hot or cold locations. Your heart will have to work harder, which can cause medical issues. Try to visit places with a mild climate and avoid using spa facilities like hot tubs, saunas or steam rooms.
  • Travel to high altitudes. High altitudes can affect your heart, lungs and blood flow as the air is thinner, and it’s harder to take in the oxygen your body needs. Check with your doctor before travelling to anywhere 2,000 metres above sea level.
  • Adventurous sports. Things like diving, skiing or other adventurous activities can strain your body and heart. You’ll need the go-ahead from your doctor to take part, but you should speak to your insurer too, as we might not cover you if you’re going to take part in high-risk activities.   

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Travel Insurance for Heart Conditions

Specialist travel insurance for heart conditions.

Providing your doctor has cleared you for travel, there is no reason why you shouldn’t! The best place to begin is with Specialised Travel Insurance for heart conditions. Using our quick and easy online quote process, you can answer a few questions about your heart condition diagnosis, including any if you have suffered a heart attack or heart failure, and then we’ll compare a range of insurers to get you the perfect deal for both cover and cost. We will only show you Travel Insurance policies specific to your heart condition, as well as your age, destination, and duration of your trip. A doctor’s certificate is not required when declaring your medical history and heart condition.

Medical Travel Insurance with Heart Condition Cover

Our panel of specialist medical insurers cover virtually all heart conditions, including Travel Insurance after a heart attack, angina, irregular heartbeat and ischaemic heart disease. If you have a pacemaker fitted or stent procedure, it should also be declared. We work with a panel of expert medical insurers, who provide premium Travel Insurance with heart condition cover. We are confident in our abilities to provide everyone with the means to travel safely, and if we can’t, we’ll signpost you to somewhere we think can cover your specific heart condition.

Our specialist Heart Conditions Travel Insurance offers emergency medical support, available online 24 hours a day, 365 days a year. Just Travel Cover provides policies that ensure support is always accessible.

Travel Insurance for Heart Conditions FAQs

Frequently asked questions about Travel Insurance for Heart Conditions .

What is Travel Insurance for heart conditions?

Travel Insurance for heart conditions is a specialised type of insurance designed to meet the needs of individuals travelling with cardiac-related health concerns, including Travel Insurance after heart attack, heart failure Travel Insurance and cover for specific heart conditions. This insurance covers medical treatment for pre-existing heart conditions while you are away from home, ensuring that you are not left facing financial strain along with your health concerns in the event of an unforeseen medical issue related to your heart condition.

When seeking Travel Insurance with heart conditions, it’s important to declare all aspects of your heart condition. Our panel of insurers specialises in providing cover for travellers with a history of heart-related issues, including those looking for Travel Insurance after a heart attack, or cover for conditions such as angina, arrhythmias, and ischaemic heart disease. By ensuring you have the right Travel Insurance for your heart condition, you can travel with confidence, knowing you’re adequately covered should something not go to plan relating to your heart condition.

What does Travel Insurance for heart conditions cover?

Travel Insurance is crucial for safeguarding against unforeseen medical emergencies abroad, especially for those with pre-existing heart conditions like angina or cardiovascular disease. It’s vital to declare these medical heart conditions to ensure substantial cover for treatments needed while travelling. Having the right cover for heart conditions could save you a lot of money when it comes to medical bills should you need treatment abroad for an existing or previous heart condition. Plus, your Travel Insurance for heart conditions will also offer cancellation cover, for example, if you need to cancel your trip for medical reasons relating to your previous/existing heart conditions.

Can I get Travel Insurance for all destinations if I’ve had a heart attack?

It is our aim to provide you with a Travel Insurance quotation wherever you’re going and whatever pre-existing medical condition you have – that’s why we work with specialist providers who cover hundreds of pre-existing medical conditions, including heart conditions and if you have suffered a heart attack. Let us know where you’re going and declare your medical conditions, and we will show you a list of prices and insurance options from insurers that can provide Travel Insurance after a heart attack.

Is Travel Insurance more expensive with angina or heart problems?

If you are wondering how much Travel Insurance is with a heart condition, Travel Insurance may be more expensive if you declare medical conditions as it provides cover for medical bills relating to these conditions rather than just treatment for any new injury/illness you sustain on holiday. The cost of treatment varies by country, and insurers will consider this, along with your age, and trip length, when calculating the premium. When you get a quote online, we compare prices and cover and show you a list of options to choose from, most of the time with a bronze, silver and gold option, depending on the level of cover you need. This way, you can compare heart condition Travel Insurance policies and choose the best option for your travel needs and budget.

Can I get Travel Insurance with a heart condition?

Yes, you can. We understand that some insurers may turn you away for your pre-existing heart conditions, but we are confident we can help you. We work with multiple insurers who specialise in cover for pre-existing medical conditions, including heart problems and heart conditions. Once you declare your heart condition and answer some questions, we will only show you the providers that can provide Travel Insurance with heart condition cover tailored to you.

If I have a heart condition and diabetes can I get Travel Insurance?

We can provide Travel Insurance with cover for hundreds of pre-existing medical conditions, including heart conditions, cholesterol, high blood pressure and diabetes. So, if you’re diabetic and you have had heart problems, then make sure you declare both medical conditions and answer our medical screening questions as accurately as possible. We will then show you a list of providers offering the cover you need so you can compare polices and choose the best level of cover for you.

Can you get travel insurance that covers my heart condition and my cancer diagnosis?

Finding Travel Insurance when you have/or have had cancer and you have had heart problems can be challenging and expensive. We work with specialist medical insurers to provide you with a choice of high-quality affordable cover for all pre-existing medical conditions. After entering your personal details, you can screen all conditions at the same time, answering a few questions to ensure you have the right medical cover in place. We’ll then show you a list of options to choose from, only showing you prices from providers who can cover both your heart conditions and cancer, should you need any treatment related to your pre-existing medical conditions when you’re on holiday.

Can I get Travel Insurance with cover for heart conditions at any age?

Yes, some of the insurers on our panel provide cover for all ages and can cover your pre-existing medical conditions too, for example, if you have had a heart attack, a bypass, or you’re living with angina. When getting a quote, it is extremely important to declare all of your pre-existing heart conditions, high blood pressure or high cholesterol. Even if your medical condition is controlled by medication, or you suffered a heart attack in the past, it must be declared.

Is there an upper age limit for Travel Insurance if I’ve got heart conditions?

We believe that age and medical history should not be a barrier to travel, and that’s why there’s no upper age limit on some of our policies. All quotes are tailored to you, so when you enter your details and answer the medical questionnaire, we will only show you prices from the insurers that can provide cover for you. Whether you’re over 55 or over 85, we could have a heart condition Travel Insurance policy for you.

Is Travel insurance more expensive after a heart attack?

Travel Insurance to cover heart conditions can be costly and vary depending on where you’re going due to the cost of medical treatment in that particular country. If you are wondering how much Travel Insurance is after a heart attack, it can vary depending on the severity of your heart condition, other pre-existing medical conditions, your age and the destination you are visiting and how long for. 

While some insurers may turn you away, we work with insurers who specialise in covering pre-existing medical conditions, and we will compare prices and policies for you to find the cover you need. It’s important to remember that the price you pay for Travel Insurance is not just based on your medical history and conditions, but also age, destination and trip length, and will also depend on whether you want a single trip or an annual policy.

Will Just Travel Cover compare Travel Insurance for my heart conditions?

Yes, we will compare a range of specialist insurers to ensure we provide you with the best possible policy that covers your heart conditions. You will also usually have a bronze, silver and gold option to choose from where cover limits and excesses vary, along with the price.

Just Travel Cover works closely with our insurers to compare prices and policies. Get a quote and compare prices online. If you need further assistance or would rather speak to us directly, give us a call, and we will advise and direct you through the process.

Travel Insurance for All Kinds of Heart Conditions

  • Heart attacks
  • Ischaemic Heart Disease
  • Atrial Fibrillation (irregular heart beat)
  • Heart Murmurs and Heart Valve

How to Get a Quote

  • Choose which type of travel insurance you require (single trip or annual)
  • Give us some information about your trip (destination and dates)
  • Declare your heart conditions along with any other medical conditions you have
  • Add any travel insurance options you require, such as Winter Sports
  • Choose from a range of travel insurance policies 

We Compare Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all insurers

best travel insurance with heart problems

What You Need to Know:

To ensure that your heart conditions are covered by your Travel Insurance you must declare your heart condition , as well as any other medical conditions you have. It is important that you answer the medical questions fully and accurately. We don’t need to see a doctor’s certificate. If you have had a heart bypass, a pacemaker fitted or a stent procedure, these will also need to be declared to us to ensure that you are properly covered by your Travel Insurance for heart conditions. Working with a panel of insurers, who are experts in providing travel insurance cover for heart conditions, means that we are able to find five-star Travel Insurance for someone with a heart condition . Don’t worry if you’ve been turned away by other insurers, we are confident that we will be able help you.

24 Hour Emergency Medical Support

All of our specialist Travel Insurance policies for heart conditions include access to a 24 hour emergency medical support service . A support team is available by phone 24 hours a day, 365 days a year, so if you do become ill on holiday and require medical treatment you can be sure that help and support will be available when you need it.

The Importance of Declaring All Medical Conditions

When you buy Travel Insurance it is extremely important to declare all of your pre-existing medical conditions , including any heart conditions, high blood pressure or high cholesterol.  Even if your medical condition is controlled by medication, such as with high blood pressure, or your heart attack was a long time ago, it still needs to be declared when you buy travel insurance to ensure that you are properly covered.

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy Travel Insurance quickly and easily.

Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for a trip of a lifetime.

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What's the Best Travel Insurance for Pre-Existing Medical Conditions?

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You may think that a pre-existing condition means anything you’re being treated for at the time you purchase your travel insurance. The definition is actually broader than that. Allianz Global Assistance defines a pre-existing medical condition as:

An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy:

  • Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
  • Presented symptoms; or
  • Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

It’s important to know that the illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Let’s consider a few scenarios:

  • Sudden, debilitating pain in an arthritic knee forces you to cancel your planned trekking tour of Iceland. Because you consulted your doctor about knee twinges three months ago, it’s considered a pre-existing condition.
  • While sightseeing in Shanghai, you suffer a mild heart attack. Because you were diagnosed with coronary heart disease three weeks before purchasing travel insurance, this is considered a pre-existing condition.
  • You were diagnosed with lupus many years ago, but it’s been in remission. You feel pretty good when you book your cruise to Bermuda, except for some fatigue and a rash. Then the Caribbean sun triggers a serious lupus flare, sending you to the hospital. Because you had symptoms when you booked your trip, this is considered a pre-existing condition.

2. Travel insurance requirements for covering pre-existing medical conditions 

If you’re dealing with a pre-existing medical condition, that does not mean you can’t get travel insurance, or that you shouldn’t travel at all. You just have to read the insurance policy documents very carefully to make sure you meet all the requirements. As Conde Nast Traveler puts it , “it’s best not to make assumptions. Returning home in pain is bad enough. Don’t intensify it by unnecessarily paying thousands of dollars you could use on your next trip.”

Certain Allianz Global Assistance plans can include pre-existing medical condition coverage as long as you:

  • Your policy was purchased within the time frame specified in your plan (usually 14 days of the date of the first trip payment or deposit.) In other words, don’t dawdle! Buy travel insurance as soon as you book your trip, so you don’t forget.
  • Are a U.S. resident.
  • Make sure you’re medically able to travel on the day you purchase the plan. Don’t assume you’re cleared to travel just because you feel OK that day. If you’re living with a chronic condition, or if you’ve recently had surgery or cancer treatment, it’s wise to get written approval to travel from your doctor.
  • On the policy purchase date, insure the full non-refundable cost of your trip with Allianz Global Assistance — including trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. Make sure you include your airfare, hotel reservations, tour bookings and any other nonrefundable costs when you’re insuring your trip. If you incur additional non-refundable trip expenses after you purchase your policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.

3. What’s excluded from travel insurance coverage for pre-existing conditions

While most pre-existing conditions are covered by Allianz Global Assistance travel insurance, there are a few exceptions. Mental and nervous health disorders and normal pregnancy aren’t covered, for instance. If you want to make sure your particular condition is covered, speak with an insurance specialist before you buy.

Also, check the cap on trip costs. For the OneTrip Prime Plan , for instance, the total cost of your trip must be no more than $50,000 per person.

Why Allianz Global Assistance offers the best travel insurance for pre-existing medical conditions 

If you have any kind of chronic health problem, travel insurance can save your vacation — or even your life. The best travel insurance for pre-existing conditions is the OneTrip Prime Plan from Allianz Global Assistance, which includes abundant coverage for covered emergency medical expenses overseas (up to $50,000). You also get emergency medical transportation benefits up to $500,000 to travel to the nearest appropriate medical facility or to return home. This is huge, especially if you suffer from a serious condition that might require advanced treatment. The OneTrip Premier Plan doubles these amounts.

Travel insurance from Allianz Global Assistance also can include trip cancellation and interruption benefits to reimburse you for non-refundable trip payments, in case you have to cancel your travel because of your covered pre-existing medical condition or another covered reason. You also get personalized, one-on-one help in emergencies from our hotline staff. Every day they help travelers who are suffering medical emergencies, lost documents, travel delays and other crises, all around the globe. But, our hotline experts say, the toughest thing they deal with is having to tell a customer who’s seriously ill that their pre-existing medical condition's not covered. That’s why it’s so important to follow the rules and meet the requirements.

Have questions about how to choose the best travel insurance for your covered pre-existing medical condition? Call our travel insurance advisers anytime at 1-866-884-3556. Travel happy!

Related Articles

  • Trip Cancellation Insurance: Covered Reasons Explained
  • When Does Travel Insurance Cover Existing Medical Conditions?
  • Travel Insurance 101: Covered Illnesses

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Travel insurance for pre-existing heart conditions

Here’s how to get travel insurance if you have a heart condition or had prior operations..

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In this guide

Get your quote for travel insurance that considers all pre-existing heart conditions

Travel insurance with heart condition cover. compare your travel insurance quotes., what heart conditions are covered by travel insurance, how does travel insurance cover pre-existing heart conditions, how can i get covered, why do i need to declare my heart condition, how do i declare pre-existing heart conditions, what questions will i be asked about my heart condition when i declare it, travel tips for people with a heart condition, important safety considerations when travelling with a heart condition, will my credit card travel insurance cover my heart condition, frequently asked questions about insurance for heart conditions.

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Heart conditions are treated just like any other pre-existing medical condition when it comes to travel insurance. Most insurers will ask you to take an online medical questionnaire where you can disclose the details of your condition. After you complete the questionnaire, the insurer will let you know if it can offer you cover.

Specialising in covering all pre-existing conditions – including heart-related issues like heart attacks, stents and those who have undergone pacemaker surgery – these brands don't have blanket exclusions and consider all heart conditions, including severe ones.

Note: This information was last updated August 2022

What else can I find on this page?

Heart-related conditions can include forms of heart disease and problems with blood vessels. Here are a few common heart conditions that can be covered by travel insurance brands in Australia.

  • Am I covered for angioplasty or stents?
  • Am I covered for atrial fibrillation?
  • Am I covered for cardiomyopathy?
  • Am I covered for heart attacks?
  • Do I need to disclose palpitations?
  • Can I get travel insurance if I have an ICD fitted?

Although angioplasty is considered to be minimally invasive, if you've undergone angioplasty or had a stent fitted in your heart, insurers will class this as a pre-existing medical condition. You'll need to inform the insurer about it when you take out a policy.

You'll need to complete an assessment of your condition and provide the following information:

  • Reasons for the angioplasty procedure
  • Date of the procedure
  • Information about your lifestyle and how you're looking after your heart

Some insurers will completely exclude atrial fibrillation. However, there are travel insurance brands that provide cover on a case-by-case basis. You'll need to complete a medical assessment so the insurer can better understand your situation.

Cardiomyopathy affects approximately 1 in 500 Australians. There are several types of cardiomyopathy, the most common being a dilated or enlarged heart, which can lead to fatigue, shortness of breath, heart palpitations, fainting and even chest pains.

Since there are sevveral types, the insurer assesses cardiomyopathy on a case-by-case basis when you apply for cover.

You'll need to complete a medical assessment so the insurer can better understand your situation.

If you have suffered a heart attack, you can still get travel insurance cover. As with any pre-existing medical condition, you must declare it to your insurer at the time you take out the policy. Whether the insurer covers you and how much it costs will depend on the following factors:

  • Severity of the heart attack
  • Date of your heart attack
  • What surgical measures have been taken to prevent it from recurring

If you do receive cover, you'll likely have to pay an extra premium and deal with special conditions, limitations and excesses on your policy.

If you've sought treatment for heart palpitations but fail to disclose this to your insurance provider, insurers will consider your heart palpitations a pre-existing heart-related condition even though it may not seem serious.

Any heart conditions that arise on your trip as a result of palpitations will not be covered without disclosure.

Many travel insurance providers will not provide overseas cover of expenses relating to an automated implantable cardioverter-defibrillator (ICD or AICD), and policies will specifically list it as a pre-existing condition.

This means standard policies may not cover any medical costs directly, or indirectly, related to the ICD, such as any other heart conditions that may be connected.

To get overseas medical cover for ICDs, you can do either of the following:

  • Make special arrangements with an insurer to get cover for this pre-existing condition at extra cost
  • Find an insurer that does not exclude ICDs in their policy, such as InsureAndGo

To make arrangements for ICD cover, you need to customise your policy around it at extra cost. This may let you get more flexibility, but can also cost more than finding a policy which includes cover for it by default.

It may be difficult to find travel insurance providers that cover ICDs. InsureAndGo is one of the few options available and has a range of benefits for travellers with pre-existing conditions such as options for unlimited medical cover, and does not require testing requirements prior to getting cover.

If you receive cover for any of these conditions

You may have to pay an extra premium or deal with special conditions, limitations and excesses on your policy.

Travel insurers need to assess your premiums accurately

It is vital that you declare your heart condition when you take out a policy as it is considered a pre-existing condition. An insurer's aim is to provide you with cover for an agreed level of risk and without disclosure of a pre-existing heart condition, the provider is taking on extra risk that they did not agree to. After you declare certain conditions, insurers will assess whether they will cover you as well as decide on the appropriate premiums if they do agree to cover you.

Insurers can void your cover if you do not declare

Although it seems like a shortcut to lowering your premiums, if you don’t declare your heart condition to your insurer and you have an incident on your holiday that is related to the heart condition, then you will not be covered for any medical treatment or hospital expenses incurred because of it. If you're in a country such as Japan or America, where healthcare is extremely expensive, then you'll be facing a huge bill that you'll have to pay yourself.

Example: Matt's $2,400 check-up

Having booked his long-awaited European holiday, Matt was counting down the days until he would depart on his dream getaway. A couple of days before his departure, Matt visited his doctor for a heart check-up after noticing an irregular heartbeat.

The condition was deemed non-life-threatening, and although Matt was still awaiting test results, he headed off overseas without a care in the world. However, after a week in Amsterdam, Matt became hospitalised with hypertension (abnormally high blood pressure).

Although Matt was sure these expenses would be covered by his travel insurance, when he phoned his insurance company, he received a nasty shock. Since he had the check-up before his departure, he was classified as having a pre-existing condition which he did not tell his insurer about. The medical and hospital costs he incurred overseas were excluded from cover, leaving Matt severely out of pocket and completely broke.

Costs Matt faced

  • $2,000 in hospital stay expenses
  • $400 in medical treatment

Out-of-pocket costs

Cover received from his travel insurance provider.

Matt did not disclose his heart condition once he found out about it.

* This is a fictional, but realistic, example.

This shows the importance of reading the fine print of an insurance policy's PDS to make sure you’re fully aware of what is and isn’t covered. It also acts as a crucial reminder of how vital it is that you notify your insurer of any changes to your circumstances–no matter how insignificant they may seem.

Insurers offer different methods for you to disclose any pre-existing medical conditions and heart problems you may have. Depending on the insurer, you may have to do one or more of the following:

  • Undergo a phone assessment to answer questions about your health.
  • Fill out an online questionnaire.
  • Fill out and post or email a hard-copy form.
  • Undergo a face-to-face medical assessment.

Once you’ve provided all the relevant information concerning your health, your insurer will provide a written notice to let you know whether you will be offered cover. You’ll also be notified of any special conditions or exclusions that may apply to your policy and of any premiums you are required to pay before cover will take effect.

Typically, you'll be asked for the following information:

  • Medications you take to treat your heart condition
  • If you've changed your medication recently (e.g. in the last 90 days)
  • If you've recently seen a medical practitioner (e.g. in the last 90 days)
  • If you've recently been admitted or undergone treatment in a hospital (e.g. in the last 12 months)
  • If you're currently awaiting a medical review or treatment
  • Planning makes perfect. You can still enjoy a wonderful, safe holiday if you have a heart condition. The key to a stress-free trip is to plan ahead. Make sure to consider all aspects of your condition and plan for each stage of the trip to make it run as smoothly as possible.
  • Choose wisely. Always keep your condition in mind when choosing your destination and the type of holiday you want to have. Relaxing in the shade on a tropical beach could be perfect, but trekking at high altitude could be a big mistake.
  • Take more than you need. If you’re on regular medication, prepare for the worst and take extra supplies with you in case your travel plans are interrupted.
  • Stretch it out. Make sure to stretch regularly on long flights to reduce the risk of deep vein thrombosis.
  • Get it in writing. Before you travel, ask your doctor to put together a letter detailing your condition, the treatment you have received and the medication you have been prescribed.
  • Tell your friends. Make sure that everyone travelling with you knows about your condition. It could save your life in an emergency situation.
  • Stay on track. Just because you’re on holiday doesn’t mean you can take a break from your diet or your medication. Monitor what you eat and keep your fluids up at all times.
  • Take time to relax. With so much of the world to see and with so little time to see it, travel can be exhausting. Take time to sit back, relax and smell the roses every now and then.
  • Don’t forget insurance. If you’re travelling with a heart condition, travel insurance is essential. Take out a policy at the same time you book your holiday so that you can take advantage of cover if you need to amend your holiday plans.

man hiking on mountain

If you suffer from heart disease and decide to travel, make sure you are aware of the following:

High altitude can affect your heart

Travelling to high-altitude destinations is possible if you have a heart condition, but you should be aware that travelling to countries at high altitude can lead to complications. The lower levels of oxygen available when you’re more than 2,000 metres above sea level can lead to breathlessness and angina. People with coronary artery disease might experience an increase in their symptoms.

If you suffer from cardiomyopathy or have a history of heart failure, keeping your fluid intake up and minimising your intake of salt are important as is discussing your condition with your doctor before planning a holiday.

Planes increase the risk of DVT

Australia is a long way away from many popular bucket-list destinations, so you may endure a long flight to get to where you want to go. Before you book a flight, visit your doctor to get advice on whether you’re fit enough to travel to your chosen destination by air.

People with heart conditions or with a history of heart disease are also at an increased risk of suffering from deep vein thrombosis (DVT), so make sure to fully research DVT-prevention exercises and other tools such as compression socks before you travel.

Finally, make sure you’re fully aware of the restrictions placed on the amount of medication you are able to carry on international flights.

Remember to bring your heart monitoring equipment

With the heightened security measures at airports and border crossings, travelling with a pacemaker or an implantable cardioverter defibrillator (ICD) is a little more complicated. These devices can set off the security metal detectors at airports, so make sure you inform a security guard of your condition. You can then ask to be hand searched or have a hand-held detector used to search you (but never placed over your device). Also, make sure to remember to take your device identification card with you when packing for your trip.

Many high-end credit cards come with complimentary travel insurance. If you pay for your trip with your card, you will usually be able to enjoy some form of travel insurance cover when you begin your getaway.

While this free cover is undoubtedly a bonus, as a general rule, most credit card travel insurance policies will automatically exclude cover for pre-existing medical conditions, so chances are your heart problem won’t be covered. Credit card travel insurance is usually quite limited when compared with normal travel insurance, including much lower limits on cover for overseas medical expenses, so shopping around for standalone travel insurance is crucial.

You may find these guides useful

  • Does travel insurance cover high blood pressure?
  • Getting travel insurance following stroke

*Information accurate as of August 2015. Subject to change

I had a heart bypass a few months ago; can I get cover?

Yes, provided you declared the bypass operation when taking out your policy and were proclaimed fit for travel by your doctor and approved by the insurer.

I recently had a coronary angioplasty procedure. Can I still get suitable cover for an overseas holiday?

Possibly. This is a condition many insurers would consider covering, but such things are determined on a case-by-case basis.

I had a coronary stent fitted last year, which I forgot to mention when getting an insurance quote. Will this affect my quote?

Yes, you may need to pay an additional premium.

I have angina. Can I get cover for a 6-month cruise?

Normally, yes, but if you are aged 75 or over, some insurers will only cover you for around half that period.

What if I have another episode or require hospitalisation after I get cover, but before I travel?

Generally, travel policies will exclude from cover conditions for which treatment has been recently sought. If there's any change in your condition after you purchase cover but before you depart, it's important to check in with your insurer to confirm whether you're still covered and to see if there will be any change to your premium.

I'm taking medication for high blood pressure. What happens if I lose it while I'm overseas?

It shouldn't be a problem. Most travel insurance policies provide cover for replacement of lost medications while on holiday, but check your policy before you go just to be sure.

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Richard Laycock

Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance.

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16 Responses

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Is it possible to get a travel insurance policy to cover a pre-existing medical condition only, or is cover only possibly available as part of a comprehensive policy?

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Thanks for getting in touch. If I am understanding you correctly, you will need to take out a comprehensive travel insurance policy. Depending on your circumstances, it may be able to cover you.

Regards, Gary

Can you explain the benefits/cons to the Reciprocal Health Care Agreements provided to Aust travellers going overseas including their limitations

Thanks for reaching out to Finder!

Reciprocal Health Care Agreements are designed to provide essential medical services to the citizens of each country. This includes cover for the cost of medical treatment for:

  • Visitors from RHCA countries who travel to Australia
  • Australians who visit a country that has an RHCA with Australia

Without the cover provided by an RHCA, you would have to meet any overseas medical expenses you incur out of your own pocket. This could potentially see you facing hospital bills of several thousands of dollars, so the RHCA is an important tool to help overseas visitors to and from Australia and agreement countries access the medical treatment they need. Check our guide to Reciprocal health care agreement (RHCA) , to know what you’re covered for when you visit the country as listed.

Hope this helps,

Best, Nikki

I have just been diagnosed with Aortic Stenosis, don’t have to use any medication. Can I get travel insurance?

Thanks for reaching out to finder!

Yes, even with your heart condition, you may still get a travel insurance. You have to declare your condition and undergo medical assessment though. You may contact any of the insurer listed above.

Additionally, InsureandGo does not automatically exclude any conditions and claims to assess all conditions on a case-by-case basis. Similarly, Allclear considers all pre-existing conditions. Also, CoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.

I hope this information helps.

Cheers, Liezl

My son is 34 years old and had valve cleaned blood infection MRSA. The doctor from the cardio clinic said he is fine to travel. Do I have to pay more insurance and how much more extra would it be?

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Thanks for reaching out to us.

There are some insurers that will cover people with heart conditions. You’re actually on the correct page on where you can compare your options and where you can get a quote.

– Undergo a phone assessment to answer questions about your health. – Fill out an online questionnaire. – Fill out and post or email a hard-copy form. – Undergo a face-to-face medical assessment.

On the table above, you may click on your preferred insurance to see more details then you may click on the green ‘Get Quote’ button to request a quote from them.

Best regards, Rench

My 78 year old husband has a gallstone diagnosed 1 year ago but not blocking bile duct so would he be covered if taking a cruise to a pacific Islands. Thanks

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Thank you for your inquiry. I’m sorry to hear about the medical condition of your husband.

Your husband can still get travel insurance when taking the cruise. You just have to disclose the pre-existing condition or medical problems to your chosen insurer prior to purchasing the cover.

If you wish to learn more, we have a guide that talks about travel insurance for gallstones . On that page, you should learn more about how to get travel insurance when you have gallstones or a history of it.

On the same page, you should also be able to see a form that you can fill out. Provide the necessary details and select the “Get my quote” button. You would then be presented with a list of travel insurance brands based on your given details. Compare them based on various details and select the “Go to site” button (if available) to be redirected safely to your chosen insurer’s website. You can then proceed with the purchase of your policy or get in touch with their representative for further enquiries.

Moreover, there might be two providers that you might be interested in:

– InsureandGo do not automatically exclude any conditions and claim to assess all conditions on a case-by-case basis. – CoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.

While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day! Cheers,

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Can I Get Travel Insurance for Pre-Existing Medical Conditions?

Meg Lee

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is considered a pre-existing condition?

How to qualify for a pre-existing medical conditions waiver, where to find coverage for pre-existing conditions, travel insurance for pre-existing conditions, recapped.

Although trip delay and baggage loss insurance are good to have, purchasing a medical insurance policy before hitting the road can be the difference between an expensive vacation and a really expensive vacation. Those with pre-existing conditions may be wondering if they can still get travel insurance. Luckily, the answer is yes.

Here’s where to look for and how to get travel insurance for pre-existing medical conditions.

» Learn more: What to know before buying travel insurance

A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy. The condition doesn’t have to be diagnosed formally to be considered a pre-existing condition.

For example, say you go on a bike tour of Amsterdam and suffer a mild heart attack. If a doctor had diagnosed hypertension (high blood pressure) a few weeks before your trip, this is considered a pre-existing condition.

So, what does a pre-existing medical condition mean for travel insurance? The good news is that having a pre-existing condition doesn’t preclude you from traveling or being eligible for medical coverage. Many comprehensive plans cover pre-existing conditions and can help you recoup your money if you require medical treatment during your trip or have to cancel a trip altogether because of a medical issue.

To avoid being on the hook for medical bills abroad or losing a deposit before you even pack your bags, look for a policy that includes a pre-existing condition waiver. Read the fine print on the insurance provider’s website; there shouldn’t be an age limit on most plans, and the premium shouldn’t cost more than it would for people without pre-existing medical conditions.

As long as you’re medically fit to travel, you can qualify for a pre-existing condition waiver if you meet the following criteria and apply within the eligible timeframe:

A pre-existing condition must be stable.

You must buy coverage at the time of your first trip deposit or shortly thereafter (time frame varies by company).

Amount of coverage must be equal to all pre-paid, non-refundable costs.

For example, if you put down a 50% deposit on a safari in South Africa, you must buy travel insurance within the time specified by the insurance provider to be eligible for a pre-existing medical conditions waiver. If you wait too long to purchase coverage, you'll have missed the coverage purchasing window and the waiver won’t be applicable to your trip.

We recommend purchasing a travel insurance policy as soon as you make the first deposit on a trip.

If you don’t qualify for a waiver, then a travel insurance company has a right to look back at the traveler’s medical records for the last 60 to 180 days (varies by plan), which is called a look-back period. This is done to determine whether you’re filing a claim for an incident related to a pre-existing condition, which then determines whether it’s going to be covered or not.

The pre-existing medical conditions waiver may also provide coverage in the case of a non-traveling family member having a medical problem mid-trip. This varies by plan.

» Learn more: The best travel insurance companies

With so many providers to choose from, it’s hard to make the right choice. So, which travel insurance for pre-existing medical conditions is best?

You can turn to travel insurance companies such as Allianz , Travel Guard by AIG or RoamRight to locate the right plan for your trip.

Instead of getting quotes from every travel insurance company under the sun, we recommend InsureMyTrip, which is a free comparison site that allows you to get quotes from multiple providers at once.

To start a quote, you must:

Select your travel destination.

Provide travel dates.

Disclose your citizenship and the state where you live.

Select the number of travelers and their ages.

The website will ask you additional questions, such as:

Whether you’re taking a flight, going on a cruise or renting a vacation home.

The total cost of nonrefundable expenses, such as flight costs, hotel bookings and tours.

The date you made the first payment toward the trip and viewed your coverage options.

You can sort and filter your results in multiple ways. Compare the plans offered and make a selection based on price, insurance provider reviews or the included coverage.

Keep in mind that it’s not possible to find annual travel insurance for pre-existing medical conditions. Comprehensive plans that include coverage for pre-existing conditions can only be purchased for every trip separately.

Yes, it is possible to find travel insurance coverage suitable for trip takers with qualifying pre-existing conditions.

The best travel insurance options for travelers with pre-existing medical conditions include Travel Guard by AIG and Allianz .

Unless you purchase a plan with explicit coverage for pre-existing medical conditions, you can generally expect that costs related to these conditions pre- or mid-trip are excluded from a travel insurance policy. For plans with the option to cover pre-existing medical conditions, qualified travelers can select a Waiver of Pre-Existing Medical Conditions.

Example eligible conditions include illnesses, injuries or medical concerns that have included exams, treatments or a change in prescribed medication within 2-6 months of purchasing a travel insurance policy (depending on the provider).

The best travel insurance options for travelers with pre-existing medical conditions include

Travel Guard by AIG

Optional travel insurance certainly can protect you from the unexpected. To obtain coverage for a pre-existing condition, make sure to follow all the rules of the policy you’re about to purchase. Buy a policy within the specified time frame and declare all nonrefundable expenses accurately.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

best travel insurance with heart problems

The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

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AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

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If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

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See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

best travel insurance with heart problems

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

best travel insurance with heart problems

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

best travel insurance with heart problems

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

best travel insurance with heart problems

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

best travel insurance with heart problems

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

best travel insurance with heart problems

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

best travel insurance with heart problems

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

best travel insurance with heart problems

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

best travel insurance with heart problems

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

best travel insurance with heart problems

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

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World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

best travel insurance with heart problems

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

best travel insurance with heart problems

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

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Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

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If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

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For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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Heart Disease Travel Insurance

At AllClear we believe that heart disease shouldn't stop you from travelling the world. Let us help you get a comprehensive travel insurance policy as we specialise in medical cover for pre-existing medical conditions. Get a quote from AllClear today.

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Written by Nick Heady – Travel Insurance Expert

Travel Insurance for Heart Disease

Tips when travelling after a heart attack, our 5 star rating on trustpilot, important information on heart disease travel insurance.

Coronary heart disease travel insurance covers you if you have a heart condition and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, helping to prevent unexpected medical bills and unnecessary complications that can arise on trips abroad.

Why do You Need Travel Insurance for Coronary Heart Disease?

As the specialists in medical travel insurance since 2000, we understand that it can be difficult to get the travel insurance you want and need if you have a heart disease.

AllClear provides travel insurance for heart conditions including angina , atrial fibrillation and cardiac difficulties after a heart attack .

We provide cover to thousands of people with pre-existing medical conditions travelling to destinations all over the world and if you have had difficulty getting heart disease travel insurance in the past, we could help you. Our travel insurance for heart conditions …

Benefits of AllClear Cover

  • Talk to your doctor (Source: NHS) about your trip and find out if they have any specific advice that you should follow while you’re on holiday. They have the best understanding of your heart condition , and they can let you know of any precautions you should – such as getting up from your seat at least every two hours to improve blood circulation.
  • If you have an implanted cardiac defibrillator (Source: NHS) , you should request a hand search at security if possible. There have been no reports of ICD dysfunction caused by metal detectors, but researchers say there could be a theoretical risk.
  • When you are on a special diet for your heart problems at home, try to follow your diet as much as possible on your trip. If you have heart issues, eating too much salt can increase your risk of symptoms – so avoid excessively salty foods while travelling.
  • You will need to arrange medication for the duration of your trip, as well as extra supplies in case you are delayed or your medication is misplaced.
  • If you experience heart symptoms, get emergency medical help right away. You will then need to contact the medical emergency assistance company as detailed in your medical travel insurance policy. You can find the correct telephone number to call for your policy here: Medical Emergency contact numbers.
  • If there are any changes to your health before you travel, including any new medication, please contact our Customer Care Team on  01708 339029 and we’ll be happy to update your cover.

Simple 3 step quote process

1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes, read allclear trustpilot reviews, conditions related to heart disease.

Heart disease is a general term related to a number of conditions. It can also be called coronary heart disease and ischemic heart disease . The main symptoms of heart disease are angina , heart attack and heart failure .

You want to ensure you’re properly covered, does our medical screening process allow you to provide details of your heart disease history?

With many years of experience handling very complicated medical conditions, AllClear has designed a straight forward online medical screening process.

This process is a simple question and answer format and provides us with all the information we need to offer you a quote for your heart disease.  Once completed you can review the quotes and cover levels available and decide the premium you wish to pay.

What will affect the premium?

With holiday insurance for heart conditions , premiums are calculated based on the answers you provide throughout the medical screening process. Many factors are taken into consideration including the length of your holiday, where you are going, your age and medical conditions.

What happens if your medical situation changes after you’ve bought your policy?

If you develop a new medical condition or an existing one changes once you’ve purchased your travel insurance, you will still be able to amend your policy. Please ready our change in state of health article for more information. You will need to notify us at the earliest opportunity and in particular before you book or commence your trip –  just call our Customer Care Team and they will be happy to make any adjustments. Please note that in some cases an additional premium may be applied to your policy to make these changes. Please check your policy wording as providers may vary .

Article References:

  • NHS: Traveling with a heart condition
  • NHS: When can I fly after a heart attack?

Annual multi-trip or single trip?

An annual multi-trip policy allows you to travel multiple times within a year. The maximum duration of these trips varies between policies. However, it is usually between 31 to 45 days.

If you need a longer trip duration or, if you only plan on travelling once in the year, then a  single trip travel insurance policy  may be right for you.

What will affect the price of your policy?

We calculate the premiums you’re displayed using multiple factors. These include  age , trip duration ,  destination  and  pre-existing medical conditions .

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 15 September 2023

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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Travel and Heart Disease

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Travel precautions help people with heart disease

Traveling to a faraway place doesn’t need to be off limits because you have heart disease  or are a caretaker of someone who has had a cardiac event like heart attack  or stroke . A few simple precautions can help make your trip smooth.

Here are some travel tips:

  • Keep medicines in their original, labeled containers. Ensure that they are clearly labeled with your full name, health care professional’s name, generic and brand name and exact dosage.
  • Bring copies of all written prescriptions. Leave a copy of your prescriptions at home with a friend or relative in case you lose your copy or need an emergency refill. Download this medication chart (PDF)  to keep track of your medicines.
  • Ask your health care professional for a note if you use controlled substances, or injectable medicines, such as EpiPens and insulin. Tell your health care professional about your travel. Let your cardiologist or internist know where you’ll be. Your health care professional might know medical professionals or reputable heart institutes in the area you’re visiting if help is needed.
  • Comprehensive travel insurance usually includes medical evacuation travel insurance. Coverage varies by plan, destination and duration of trip, so shop around. But the average cost is about $200, which is a small investment if it can cover tens of thousands dollars of potential medical expenses.
  • Some health care professionals recommend taking a copy of your pertinent medical records with you while traveling.

High altitudes, exotic spots

Oxygen availability declines at higher altitudes, which can place unique stressors on the cardiovascular system. As such, patients who are at risk of or who have established cardiovascular disease may be at an increased risk of adverse events when staying at mountainous locations. However, these risks may be minimized by appropriate pretravel assessments and planning through shared decision‐making between patients and their managing health care professionals.

Talk to your health care team before your trip to understand what you should do to prepare. You may wish to gradually move up the mountain and acclimate at lower elevations before moving to the higher altitudes. People with coronary artery disease and angina should anticipate that reduced oxygen levels may increase angina. Your heart has to work harder, especially if you already have blockage. Watch out for shortness of breath or other symptoms that could indicate you’re tipping from a stable to an unstable state.

Be mindful of your fluid consumption and sodium (salt)  intake if you have cardiomyopathy  or a history of heart failure . A balanced fluid intake is important in these conditions.

If you’re traveling to a country where certain vaccines are needed to guard against disease, it’s not likely the immunization will affect your heart. The bigger concern may be consistent access to quality medical care.

Consider selecting destinations in parts of the world that both interest you and have many options for health care you may need while you are visiting.

Long distance precautions

Sitting immobile on long plane flights or car, train or bus rides can slightly increase a normal person’s risk of blood clots in the legs, but associated medical issues usually contribute to it. If someone has peripheral artery disease (PAD)  or a history of heart failure, the clot risk increases. Recent surgery, older age and catheters in a large vein may also increase your risk of blood clots. Getting up and walking around when possible is recommended for long flights, just be sure the seatbelt light is not on when you do so. Stopping to take a quick break during long car rides may help as well.

Tell your health care professional about your travel plans to get the best advice on what precautions, if any, you may need to take. For example, some people might need compression stockings or additional oxygen. Others might need to watch fluids closely or avoid alcohol. And some may not be able to fly.

See our editorial policies and staff .

Last Reviewed: Jan 16, 2024

best travel insurance with heart problems

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Why you should consider a travel insurance policy with no stability period.

Regardless of whether you're in perfect health or have pre-existing medical conditions, your best travel insurance option could be a Personalized plan that  covers pre-existing medical conditions with NO stability period .

Travel Insurance Coverage for Pre-Existing Medical Conditions with NO Stability Period

Many Canadian travellers with unstable health or medical conditions are under the false impression that their travel medical insurance policy will cover them for treatment costs related to their pre-existing medical conditions while travelling.

However, the reality is that standard travel insurance policies won’t cover you for pre-existing medical conditions unless you meet the policy’s “stability” requirements. Any medical conditions that are not “stable” will be excluded from coverage under your policy.

This can have serious implications for travellers, as failing to meet your policy’s stability clause requirements is the second most common reason for having a travel insurance claim rejected 1 .

This problem is particularly common among Canadian snowbirds, boomers and seniors who often have one or more pre-existing medical conditions.

It’s essential for you to understand how stability clauses work, determine whether or not you meet the stability requirements of your policy and what your options are if you don’t meet these requirements.

Individuals with pre-existing medical conditions – regardless of whether they are stable or not - should strongly consider protecting themselves with a "Personalized" travel insurance policy that provides coverage for pre-existing medical conditions with NO stability period requirement .

What if I Don’t Have Any Pre-Existing Medical Conditions?

Even if you’re in perfect health and don’t have any pre-existing conditions, Personalized travel medical insurance plans can still offer significant benefits over Standard travel insurance plans. For example, the premiums for healthy travellers can often be lower under a Personalized plan than they would be under a Standard plan, and the medical questionnaires for Personalized plans are usually much shorter, simpler and faster to complete.

What is a Stability Clause & How Does it Work?

Most Standard travel medical insurance policies contain what is commonly referred to as a “stability” clause.

These clauses require your pre-existing medical conditions to be “stable” for a defined period of time prior to the date you leave on your trip. The stability period varies from policy to policy, but is often 90, 180 or even 365 days leading up to your departure date.

If there are any changes to one of your pre-existing medical conditions during the stability period, that condition will be excluded from coverage, meaning your policy will not cover any expenses you incur that are related to that condition while travelling.

Any Changes Means ANY Changes…

Keep in mind that any changes really means any changes, including some you may not think of such as starting or stopping a medication, increasing or decreasing the dose of a medication or seeing a doctor or receiving diagnostic testing related to a potentially new medical condition, even if that condition has not yet been diagnosed.

Beware of related medical conditions…

It’s also very important to be aware that under a stability clause, any medical treatment for a condition related to an excluded condition would also be excluded from coverage. To better illustrate this point, take the following example:

Let’s say Bob has diabetes that doesn’t meet his policy’s stability terms. In this case, it’s quite clear that Bob would not be covered for any treatment related to his diabetes while travelling.

What you may be surprised to learn is that Bob would also not be covered for any condition related to his diabetes. For example, if Bob was to have a heart attack while travelling, and the heart attack could be linked to having been caused by Bob’s diabetes, it is quite possible that treatment for his heart attack would also not be covered by his insurance, even though most people would consider diabetes and a heart attack to be two different and unrelated medical conditions.

The Bottom Line

If you are purchasing a Standard travel insurance policy with a stability clause, make sure you meet the terms of that stability clause or you could run into a serious problem if you need to make a claim.

What if I Don’t Meet the Stability Clause Requirements?

Travellers with pre-existing medical conditions who don’t meet stability clause requirements are essentially left with three options:

  • Wait until your medical conditions are “stable” before purchasing your policy . This is often not a realistic solution, as it would likely prevent you from travelling during your preferred travel dates. There’s also a good chance your medical conditions may never meet the stability requirements.
  • Purchase the policy knowing your non-stable medical conditions and any related conditions won’t be covered . This is a very risky strategy and not advisable, as you’d be exposing yourself and your family to serious financial risk if you require treatment while travelling and need to file a claim. Note that other medical emergencies unrelated to your existing conditions (such as a fall or food poisoning) could be covered.
  • Find a Personalized policy that provides coverage for pre-existing medical conditions with NO stability clause requirement . While these policies are not as well known or widely available as Standard travel insurance policies, they can be a real lifesaver and are often the best option for many Canadian snowbirds, seniors, boomers and other travellers with pre-existing medical conditions.

Coverage for Pre-Existing Conditions with NO Stability Period

There’s good news for travellers who either don’t meet the stability clause requirements commonly found in Standard travel insurance policies or simply want the peace of mind of not having to worry about stability clauses altogether.

For individuals who fall into these categories, there’s a  lesser-known type of “Personalized” travel insurance policy that completely does away with the dreaded “stability” clause and provides coverage for pre-existing medical conditions with NO stability period requiremen t .

How Are These Policies Different?

Standard travel medical insurance policies determine your coverage eligibility and premiums by grouping you into categories with other travellers whose health and age may be different than yours.

On the other hand “Personalized” travel medical insurance policies base your coverage eligibility and premiums exclusively on your personal medical history and characteristics.

As a result, Personalized travel insurance plans are better able to accurately determine your coverage risk and the appropriate premiums based on those risks. This personal element also allows them to provide coverage for pre-existing conditions with no stability period requirement.

You can learn more about Snowbird Advisor Insurance’s personalized travel medical insurance plans here .

How Do I Qualify?

In order to qualify for a Personalized policy, you’ll need to fully and accurately disclose all of your pre-existing medical conditions at the time you apply, and as long as your conditions are eligible for coverage, you’ll be covered for all pre-existing medical conditions, regardless of how long they have been stable for.

Keep in mind that just like standard insurance policies, some medical conditions may make you ineligible for coverage.

And just like a Standard policy, you’ll still be required to inform your insurance provider of any changes to your health that occur after you purchase your policy and prior to any departure date.

Do I Need to Complete a Medical Questionnaire?

If you’re applying for a Personalized plan with no stability requirement, the only thing you will need to do is disclose any pre-existing medical conditions you have and answer any follow-up questions related to those conditions. This is usually a much faster and simpler process than completing the long and sometimes confusing medical questionnaires that are required for Standard plans. Be sure to disclose all of your medical conditions, regardless of whether you think they may be relevant or not.

How Much Do Personalized Policies Cost?

While you might think a Personalized policy with the added benefits it offers would be more expensive than a Standard policy, that’s often not the case.

In many situations, the cost of a Personalized policy is the same or less than a standard policy because Personalized policies are tailored specifically to your conditions and risks - so you won’t be grouped into a category with other travellers who may have more serious or numerous medical conditions.

Of course, there are situations when a Personalized policy will cost more than a Standard policy, but this is often due to certain pre-existing medical conditions being covered that would otherwise be excluded from coverage under a Standard policy.

Advantages of Personalized Travel Medical Insurance Plans

In summary, here are the main advantages provided by Personalized policies:

  • No Stability Requirement for Pre-Existing Medical Conditions: If you have pre-existing medical conditions, Personalized policies will cover you for those conditions without having to meet any stability period requirements.
  • Potentially Lower Premiums than Standard Policies: If you’re a healthy traveller, in many cases your premiums can actually be lower under a Personalized plan than they would be under a Standard plan.
  • Faster, Simpler Medical Questionnaire: Unlike the long, sometimes confusing medical questionnaires you need to fill out when applying for a Standard travel insurance policy, Personalized plans have much simpler, faster, and easier medical questionnaires that only require you to disclose your pre-existing medical conditions and any follow-up questions about those conditions.

1 KPMG survey of Canadian insurance providers commissioned by the Travel Health Insurance Association of Canada (THIA) (November 2014)

Disclaimer:  The material provided in the Snowbird Advisor Insurance Learning Centre is for informational purposes only and does NOT constitute insurance, legal, financial or other advice, and should not be relied on as such. If you require such advice, you should speak with a qualified professional to assist you.

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Home and Auto insurance is arranged by Canadian Insurance Alliance (2018) Inc. o/a HUB SmartCoverage (all rights reserved) and is underwritten by a number of Canadian insurers.

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More From Forbes

How artificial intelligence is changing the way you buy travel insurance.

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Artificial intelligence is changing the way you buy travel insurance. Here's how.

Artificial intelligence is transforming the way you buy travel insurance. From shopping for a policy to filing a claim, there's no part that hasn't been touched by AI.

"AI is revolutionizing travel insurance," says Greg Jung, chief growth officer for Seven Corners . "It's making it more efficient and tailored to individual needs."

Words like "efficient" and "tailored" are rare in the one-size-fits-all, bureaucratic travel insurance industry. For years, consumers had limited choices. And when they filed a claim, it took close to forever to get an answer, much less get paid.

Not anymore.

Jung says AI is doing away with that. The benefits to travelers include:

  • Personalized coverage. AI can analyze vast amounts of data on traveler profiles, including travel history, preferences, and even risk factors like age and health conditions. That allows insurers to recommend customized travel insurance plans that provide the right level of coverage for each individual's needs.
  • Proactive risk management. AI can analyze data to predict potential disruptions or emergencies that could impact a traveler's trip. This allows insurers to offer assistance, such as medical advice or flight rebooking assistance, in case of unforeseen events.
  • Faster claims processing. AI can automate much of the claims process, verifying documents, assessing damages, and expediting settlements. Travelers can be reimbursed for covered expenses much more quickly, especially for straightforward claims.

Behind the scenes, travel insurance companies are also using AI to conduct better risk management. And there are parts of the business where travel insurance companies won't talk about how they use AI, such as in efforts to sell policies on their sites. Travel insurance companies are also hush-hush about how they are analyzing data to set rates and identify patterns in fraudulent claims data.

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This story is a long time coming. Travel insurance companies have been generally slow to adopt AI. You can see artificial intelligence in action in a few places, but in the places that matter to you — such as finding the best policy — there are still some gaps. AI won't fix everything in travel insurance, but it promises to make many things better.

What took travel insurance so long?

Why has AI been slow to catch on in the travel insurance industry? Well, it has — and it hasn't. I wrote about how Allianz was using machine learning to improve its products five years ago .

But across the industry, change has been gradual.

"Travel Insurance is highly regulated," explains Tim Dodge, vice president of marketing at Arch RoamRight . "There are strict policy definitions, communications guidelines and adjudication rules to which we must adhere. For AI to be successful in our industry, it has to be implemented carefully; improving the customer experience while maintaining regulatory compliance."

If you file a travel insurance claim and get frustrated with the time it takes to be settled, it's because of the way travel insurance is set up. There's a lot of required documentation to review in support of the claim.

Dodge says AI can potentially facilitate and speed up the claims handling process and reduce claimants' frustrations, and that's what travel insurance companies are now doing.

Where can you see AI in action right now in travel insurance?

Travel insurance companies are not waiting for the future.

Arch RoamRight’s AI chatbot has been integrated into every aspect of its customer experience, from its phone system to its website and travel agent portal. It's even used as a training tool for new hires, according to Dodge.

At Generali Global Assistance , a carefully trained chatbot helps customers obtain instant assistance, receive accurate information, and navigate policy complexities. "This digitalization empowers our agents to provide personalized support promptly," says Christopher Carnicelli, CEO of Generali Global Assistance.

Allianz Travel Insurance has been using AI to help streamline its claims process for years. It just added a new chatbot for customer support, too. "Our chatbot supports the customer during filing in the event the customer has questions or needs further assistance, and uses AI to qualify the customer’s needs to quickly get them the help they need,” explains Maggie Butler, director of customer experience at Allianz Partners USA.

At Faye Travel Insurance , an AI-powered app helps customers file claims for flight cancellations, baggage delays, and medical emergencies. The app speeds up the claims process, ensuring travelers get paid in hours instead of days. "It's part of our commitment to making travel insurance an integral and personalized part of each traveler’s experience," says Elad Schaffer, Faye's CEO.

Over time, the entire travel insurance industry will embrace AI. But there are exceptions.

Can artificial intelligence help you find the best travel insurance?

AI might help you find a better policy, but you have to know where to look. I tested the major AIs to see how they responded to a sample query, "I'm a 28-year-old woman who lives in New York. I am planning a one-week trip to Paris this summer. Please help me find the best travel insurance."

  • Gemini offered two options — Generali and Travel Insured International, but did not show rates or a bookable link. The responses appeared to be based on a news article.
  • Meta AI generated a succinct response citing the benefits of travel insurance with key coverage areas.
  • Microsoft Copilot showed a generic "how-to" story about travel insurance based on an article I had written for Forbes.
  • Hugging Face gave a generic response with advice on how to buy travel insurance.
  • Perplexity offered several specific options, including Seven Corners, Nationwide and Travelex. However, it based its quotes on a story on a news site and did not offer a link to buy the policies.

Bottom line: You can't really shop for travel insurance using AI — at least, not yet.

AI doesn't work for everything in travel insurance

In the travel insurance industry, like in other places, artificial intelligence isn't the answer to everything.

For example, at INF Visitor Care , a company that sells travel insurance to those traveling to the U.S., AI is helping automate its claims system. INF applies machine learning to identify emerging trends in claims to design policies that cover customers when they need it for unexpected issues.

"It has revolutionized the way we think about pricing and policy coverages," says PK Rao, CEO of INF Visitor Care .

But when it comes to customer service, AI is not always the best solution.

"We find customers enjoy talking to a live person on chat and phone," adds Rao.

The future of travel insurance and AI is promising

Over the long term, AI promises to reshape the travel insurance business into one that works the way customers expect it to — quickly, nimbly and efficiently.

At least that's what Daniel Green, chief technology officer for Faye Travel Insurance , sees.

"Imagine a world where most insurance claims are processed in hours instead of days," he says. "A computer system can go out and collect all the documentation for you and prepare the paperwork perfectly, ready for a human to make a quick decision on whether to approve it or not."

AI also has the potential to insure you for only what you need — to give you the "perfect" policy.

"AI can prepare it in seconds based on being able to tell a computer in your own words what coverage you need, by having it translated into insurance paperwork-speak for you," he adds.

We aren't quite there yet, but we're getting close.

There's one more thing that is potentially keeping AI from changing travel insurance — and that is customers themselves.

Breanne Armstrong, who is director of insurance intelligence at J.D. Power, says most consumers understand that artificial intelligence and machine learning have a lot of potential, "but there is hesitancy."

Armstrong bases her observation on another study that J.D. Power recently conducted on banking customers and AI. Only 28% of respondents said they believe AI will make their lives better in the next three years. Roughly one-third say it will make no difference, and 17% say it will make their lives worse.

All you have to do is engage with any chatbot to understand those 17% of respondents. Talking to an AI about banking or travel insurance — or anything else, really — can quickly end in frustration.

"There are mixed sentiments," adds Armstrong.

That may well describe how people feel about travel insurance and AI. It could be great. But if it isn't implemented carefully, it could be not so great.

Christopher Elliott

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  2. Travel Insurance For People With Heart Problems

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