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Travel insurance with heart conditions

Saarrah Mussa
Written by  Saarrah Mussa
5 min read
Updated: 06 Mar 2024

Can I get travel insurance with a heart condition? 

Whether you can get travel insurance with a heart condition depends on several factors, but generally, yes, you can get travel insurance with a heart condition. However, it may be more expensive for you and may also require some additional steps. The best place to start finding adequate cover would be starting with specialist providers that cater for people with pre-existing conditions. 

Travel insurance with heart conditions

Do I need travel insurance if I have a heart condition? 

We always recommend that you take out a travel insurance policy whether you have a pre-existing condition or not. However, having a pre-existing condition may make a travel insurance policy highly advantageous for you if, in the unfortunate event, you need treatment while you are on holiday.  

Not only can a travel insurance policy be beneficial for you if you have a heart condition, it is imperative that you find a policy that is comprehensive and offers cover for any medical treatment you may need while you are on holiday and also offers repatriation expenses to get you back home, if the worst should happen while you are away.  

What heart conditions can be covered by travel insurance? 

Here is a brief list of the common heart conditions that our providers can provide cover for:  

  • Angina  

  • Cardiomyopathy  

  • Heart diseases  

  • Heart failure  

  • High blood pressure and high cholesterol  

  • Heart attack  

  • Blocked/narrowed arteries  

  • Heart bypass  

Travel insurance policies can be tricky when you have medical conditions. Be sure that you are transparent with your provider and that you disclose all conditions that relate to your heart condition so you will not be in a position that makes your policy void leaving you with a hefty medical bill. 

What does travel insurance cover for someone with a heart condition? 

Similar to other types of insurance policies, depending on your provider and the policy you choose, there are often different levels of cover you can choose from. Travel insurance for someone with a heart condition can provide cover for a variety of expenses. Depending on your specific policy, the following is what you are likely to get cover for:  

  • Medical expenses  

  • Repatriation / emergency assistance  

  • Personal liability  

  • Theft or loss of personal belongings  

  • Holiday cancellations, delays, or cutting your trip short  

What happens if I need medical treatment while I’m abroad? 

If you are in a position where you need emergency medical attention while you’re abroad, it’s important to call emergency service as soon as you can.

Does my GHIC card cover medical treatment for my heart condition? 

A GHIC card will only cover you for any necessary medical treatment in public healthcare facilities in Europe.  

How much does travel insurance cost for someone with a heart condition? 

When you have a pre-existing condition such as a heart condition, it is likely that your insurance policy will be more expensive than those who do not. This is usually to ensure that you are covered for anything that could abruptly happen unexpectedly while you’re abroad. However, the price of your insurance will also depend on other factors including:  

  • Your destination  

  • Your age 

  • The duration of your trip  

  • How much coverage you opt for  

  • Any extra add-ons to your policy e.g. gadget cover 

  • Your excess 

  • How much luggage and cancellation cover you choose  

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