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A heart condition shouldn’t stop you from enjoying your holiday, but travel insurance can provide peace of mind you’ll be covered should it flare up while you’re away
You should be able to get travel insurance even if you have a heart condition, as long as your doctor has given you medical clearance to travel. However you will almost certainly require a travel insurance policy for pre-existing medical conditions – and as such you might need to go to a specialist provider.
Pre-existing medical condition travel insurance is a specialist policy you’ll need to take out when you have a heart condition or another medical condition you know about when you buy it. These policies are usually more expensive than standard travel insurance, as there is a greater chance you’ll need medical care while on holiday.
Medical treatment costs are usually the most expensive claims made on travel insurance, making it even more vital for people with pre-existing conditions. Without it, you could face medical costs in the tens or even hundreds of thousands.
If you have a heart condition, your travel insurance policy will offer cover for medical treatment you might require if the condition is exacerbated on your travels – but it will also offer the same standard cover as any other policy.
The exact list of covered conditions should be available through your insurer or found on your policy documents, but some of the most common include:
If you’re travelling and you have a heart condition, you must declare it when you take out a travel insurance policy – insurers won’t cover you for medical treatment related to your heart condition if you don’t.
Failing to do so may even void your entire policy, so be sure to fully disclose all and any details when you look for a quote.
This will depend on your insurer – and if you’re undergoing a medical screening then you may need to. But even if you don’t have to declare your pacemaker, you will have to disclose the condition it’s required for.
Travelling with a heart condition needn’t be any extra stress, so long as you act sensibly and don’t overexert yourself – then you can enjoy your holiday to the maximum. Here are some useful tips to remember:
Finding cover for your pre-existing medical condition, whether it’s a heart condition or something else, is quick and easy when you compare travel insurance quotes with MoneySuperMarket. Just tell us about yourself, your medical condition, and your travel plans, and we’ll search the market for a list of quotes tailored to your needs.
You’ll be able to compare policies by the overall cost, the cover you’ll get and the excess you’ll need to pay to make a claim. Once you find the deal you want, just click through to the provider’s website to finalise your purchase.
As with any insurance policy keep in mind the cheapest available isn’t always the best option – you should aim for policies that offer the right level of cover at the best price. This way you’ll be able to avoid under- or over-insuring yourself, so you know you got a good deal.
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