Heart Condition Travel Insurance from AllClear provides up to unlimited medical emergency expenses cover. This leaves you free to travel with confidence and enjoy your trip with peace of mind.
Specialist Travel Insurance for Heart Conditions
Our specialist Heart Condition Travel Insurance covers you if you have a medical emergency abroad, even if it’s related to your existing heart condition. For example, if you urgently need warfarin, amlodipine or digoxin. We’ll also cover costs from hospital trips and even medical repatriation back to the UK if needed.
- According to data from the British Heart Foundation, around 7.6 million people in the UK live with heart conditions.
- If you have a heart condition, you could be more susceptible to changes in air pressure, climate, and air pollutants. All of this has the potential to trigger a medical episode when you are away. This means an increased risk of needing medical care when travelling.
- The cost of warfarin can be as high as £2,225 per month in the US and as much as £6620.13 in South America. So, if you need more medications in an emergency, you could face hefty costs there, too.
That’s where we can help. Our specialist Travel Insurance for pre-existing medical conditions will cover unexpected medical costs related to your heart condition. We’ll tailor your policy to suit your needs, so you’re covered for potential risks.
That leaves you free to enjoy your trip with full peace of mind. At AllClear, we can cover: All medical conditions. All ages. All destinations. 98% of our customers would recommend us to family and friends1, so you’re in good hands.
Why do you need Travel Insurance if you have a heart condition?
Holidays should be about making memories and relaxing with friends and family. Travel Insurance for heart conditions allows you to go away with confidence. You’ll be covered if something goes wrong.
The UK government recommends that everyone buys Travel Insurance before they go away. No matter if they have a condition or not. However, Heart Condition Travel Insurance is particularly important. Think of the cost from your own pocket if you didn’t have insurance and needed:
- Emergency medical treatment or heart surgery
- To replace lost or stolen heart medication or medical aids
- To be flown back home. ABTA estimates the cost of an air ambulance could reach £65,000 – £74,000²
- To extend your stay for medical reasons and pay for new accommodation and travel
- To cancel your trip unexpectedly due to your heart condition³
Travel Insurance for heart conditions could protect you against these costs. This makes it an essential part of your holiday prep if you have a heart condition.
Some standard providers may refuse to offer you a policy if you have a pre-existing medical condition, or will exclude issues relating to your condition. As a specialist provider, we cover more than 1,300 conditions. In fact, 99%+ of our customers are offered cover⁴.
Read our Heart Condition Travel Insurance Policy Wording for more details.
What cover does AllClear’s Heart Condition Travel Insurance provide?
Our Heart Condition Travel Insurance protects you against unexpected medical costs. It also covers you if you need to get medication abroad. If you need to cancel your trip for specific reasons, you’ll be covered³. And if your luggage goes missing, we cover that, too.
With up to unlimited cover for medical expenses, you won’t have to worry about unexpected medical costs on holiday.
What’s covered?
- Medical cover. AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
- Cancellation and curtailment³. Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover you if you need to return home early following an emergency.
- Your baggage. Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
- Travel delays and missed departures. We’ll compensate you for the time if your flight is delayed. If you miss your flight, you’ll also be covered for accommodation and transport costs.
- Personal liability. Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday.
- All ages. We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit.
What’s not covered?
- Deciding not to travel. We do not provide any cover if you can travel but choose not to.
- Other regions. Your Heart Condition Travel Insurance won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime.
- Claims below the value of excess. You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare. You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.
For full details of cover, please see your policy wording.
We tailor all our travel policies to your specific requirements. So, we offer three different policy levels: Gold, Gold Plus, and Platinum.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
How much does Travel Insurance for heart conditions cost?
The cost of a Heart Condition Travel Insurance policy will vary depending on a few factors:
- Your age
- The severity of your condition
- Your medical history
- Your destination
- How long you’re going for
- What you’re doing while you’re there
Travel Insurance for heart conditions is likely to cost more than a standard policy, as you’re more likely to need to make a claim for emergency medical expenses. However, we tailor your policy to you.
We will ask you a series of simple medical screening questions, such as whether you take medication and when you last had a flare-up. If your condition is well-controlled and you’re in good health, your quote will reflect this. Read our Policy Wording for more details.
What types of Heart Conditions are covered by AllClear’s Travel Insurance?
We cover all conditions, including the various different heart conditions. For example, we will cover:
- Coronary artery disease (CAD) – A common but serious condition in which the blood vessels supplying the heart are narrowed or blocked. According to the British Heart Foundation, it affects around 2.3 million people in the UK.
- Atrial fibrillation – Atrial fibrillation is an irregular heartbeat that can lead to complications like stroke or heart failure. About 1.4 million people in the UK have atrial fibrillation, according to our partners at the Stroke Association.
- Heart failure – Heart failure occurs when the heart cannot pump enough blood to meet the body’s needs. It’s estimated that around 920,000 people in the UK are living with heart failure, according to the NHS.
- Angina – Angina is chest pain or discomfort caused by reduced blood flow to the heart muscles. Over 2 million people in the UK are have angina, according to a study from the National Institute for Health and Care Excellence.
- Arrhythmias – These are irregular heartbeats that can cause the heart to beat too fast, too slow, or irregularly. Guys and St. Thomas’ Specialist Care, estimates around 2 million people in the UK have arrhythmias.
- Valve disease – Valve disease occurs when one or more of the heart’s valves don’t work properly, affecting blood flow. According to the British Heart Foundation, about 1.5 million people in the UK have heart valve disease.
- Cardiomyopathy – This is a disease of the heart muscle that makes it harder for the heart to pump blood. According to Cardiopathy UK, around 160,000 people in the UK have cardiomyopathy.
How to get Travel Insurance when you have a Heart Condition
Before getting your Travel Insurance, you’ll need to get a quote. We’re a Specialist Medical Travel Insurance provider, and we cover all conditions. The first step is to complete a medical screening process. During the medical screening process, we’ll ask you a few questions about your heart condition.
We will also ask about any other pre-existing medical conditions you might have. We’ll ask things like:
- What age were you when diagnosed?
- Are you currently undergoing treatment, or is any planned?
- Are you taking any medication? What is the dosage?
- When walking on the flat for a short distance, how short of breath do you get?
- Have you ever had a heart attack? How many have you had?
- Do you have an irregular heartbeat?
- Have you had an angioplasty, heart bypass or coronary stent?
- Are you/have you been a smoker?
- When was the last time you had a cardiac episode?
- What other medical conditions do you have?
We’ll use this information and your unique medical history to provide the best coverage for your trip. It’s important to give us the most accurate information during the medical screening process. We cannot cover any costs related to medical issues that aren’t declared. If your medical history isn’t accurate, you may have to pay for unexpected medical costs.
AllClear’s Travel Insurance for Heart Conditions with other pre-existing medical conditions
Our survey showed that 62% of people have more than one pre-existing health condition3. This may be a secondary condition caused by your heart condition or a different condition.
Simply declare conditions during the medical screening process. Then, we can create a Travel Insurance quote that works for you.
You must declare if you or anyone else insured on the policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
Examples of other pre-existing medical conditions we cover include:
- Cancer
- Respiratory problems like asthma and COPD.
- Type 1 Diabetes and Type 2 Diabetes.
- Musculoskeletal conditions like back problems, osteoarthritis and osteoporosis.
- Neurological conditions such as strokes, epilepsy and multiple sclerosis.
Find the best Travel Insurance for your trip
Nothing should stop you having the trip of a lifetime. That’s why we’ll tailor your policy to suit your needs. From hiking in Europe to worldwide cruises, we’ll help you find the best travel insurance. Not sure what kind of Travel Insurance you need? It depends on what kind of trip you’re taking.
- Only taking one trip this year? Single Trip Travel Insurance is what you’re looking for, and it’ll give you up to 365 days of consecutive travel cover.
- Doing more than one trip? Annual Multi-Trip Travel Insurance might work out cheaper for you, and it’ll be a lot less paperwork, too.
- Multiple European city breaks? Europe Travel Insurance is what you need so that you’re covered from Rotterdam to Rochester.
- Heading further afield? You might want Worldwide Travel Insurance, so you’re protected no matter where you end up.
- Embarking on a cruise? You’ll need Cruise Cover for cruise-specific mishaps, like cabin confinement or missed departures.
- Heading on a golf trip? Make sure your golf clubs are just as protected as you are with our Golf Travel Insurance.
Will the GHIC cover a heart condition?
The Global Health Insurance Card (GHIC) can help you access some emergency state healthcare at the same cost as locals. This could include unexpected issues related to your heart condition. The GHIC only applies in certain countries, normally in the EU. Treatment won’t always be free, and not all services are included – such as medical repatriation.
The NHS recommends that you always buy Travel Insurance for heart conditions, as well as taking your GHIC card.
Travel Insurance for children with heart conditions
Wondering if you can get travel insurance for children with heart conditions? Yes, we offer both individual and family policies, meaning you can travel with peace of mind.
It is wise to consider insuring your whole family on the same policy. This will mean you’re all covered if you have to cancel unexpectedly due to your child’s heart condition³. Or if you have to extend your stay to look after your child if they go to hospital. Travel Insurance for heart conditions can protect the whole family against such costs.
Always read our Policy Wording for full details and any exclusions.
What should you do if you need emergency medical treatment abroad?
If you have Travel Insurance for heart conditions and need emergency medical treatment abroad, you should follow these steps:
- Contact the medical emergency assistance number straight away, and they can help you
- Keep all of your documents safe: This includes booking forms, invoices and receipts. As well as medical reports and certificates
- Complete a claim form when you get home: If you paid for your medical costs and wish to claim them back. You have up to 30 days from the end of your holiday
- Send us your form: Keeping a copy of all documents yourself
- Our team will get to work: Keeping you updated with any progress
For full details of making a claim, please visit our How To Claim page or read our Policy Wording.
Tips for travelling safely with a heart condition
Travelling with a heart condition is possible, but there are some precautions you should take:
- Speak to your doctor. Check with your medical team on whether it’s safe to travel, They will advise on medication, risks in your destination and things to avoid. You should also check whether you need a Fit To Fly certificate for your airline, cruise or tour operator
- Prepare your medication. Always travel with your medication in its original packaging. You may also need your prescription or a letter from your doctor. Check whether your medication is allowed into any country you’re visiting and whether it’s a controlled substance. Take some extra in case of emergencies
- Research local health services. Take a look at where you might go if you did need emergency medical help while you were away. Are the services you would need accessible and nearby?
- Pacemaker user? Take any paperwork with you in case you need it. Speak to airport security, as you should avoid certain types of scanners and equipment
- Be aware of DVT’s. You may be at a higher risk of a DVT while travelling with a heart condition. Speak to your medical team about appropriate precautions
- Buy Travel Insurance for heart conditions. Most policies won’t include heart conditions as standard. Meaning you won’t be protected against any related costs. Buying Travel Insurance for heart conditions from a specialist provider gives you peace of mind that you’re covered. Read our Policy Wording for more info
How our Travel Insurance for heart conditions works: A simple 3 step quote process
Getting a quote for Heart Condition Travel Insurance couldn’t be simpler. Here’s how it works.
1. Get a quote online or by phone
The first step is to provide your personal details and information about your holiday plans. Complete this over the phone with one of our team members or online.
2. Complete our simple medical screening process
You must declare any medical conditions you have and any medications you are taking. This will allow us to provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
Our experts say…
“Medical care can quickly reach thousands of pounds abroad. Stressful for you and the family if your insurance is null and void. Repatriation costs are prohibitively expensive especially if medical assistance is needed to fly back home. Without the right cover, this could be financially crippling. Furthermore, pre-existing conditions can be related to the heart condition and failing to declare the heart condition but having a heart related complication to something as simple as an infection for a bite requiring admission may not be covered if the heart condition was not declared.”
Dr Preethi Daniel MBBS BSc (Hons) MRCGP, Deputy Medical Director – London Doctor’s Clinic
Q. How can you manage symptoms or avoid potential issues related to your heart condition while on holiday?
1. Plan a stress free holiday, plan your route to the hotel after arrival at destination, avoid heavy luggage and use assistance where possible.
2. Make a note of the emergency contact numbers and local hospitals on arrival.
3. Take details of your condition, your GP and cardiologist and any family emergency contact numbers.
4. Take all you medicines as usual on the day of travel then 12 hours later repeat when in new time zone.
5. Know what symptoms you may experience should your heart condition deteriorate and seek immediate help. Do not ignore chest pain, palpitations, dizziness or shortness of breath.
6. Avoid high altitude holidays, avoid extreme weather holidays and avoid excessively active holidays.
7. Ensure your travel vaccinations are up to date.
8. Plan well ahead and get all medications, vaccinations, just in case antibiotics and medical clearance are needed.
Dr Preethi Daniel MBBS BSc (Hons) MRCGP, Deputy Medical Director – London Doctor’s Clinic
What our customers say
Winning hearts and minds
Going abroad shouldn’t have to be complicated. Here’s how we helped Michael Burt, the man who received the UK’s first-ever beating heart transplant and wanted to travel to the US.
“My wife and I were planning a trip to the US for a wedding in Maine,” Michael explains, “and were very much looking forward to it. With my heart condition, and having previously had cancer, it was essential that we had proper travel insurance. We had always been insured previously, and knew that if I were to fall ill, it could be very expensive, and so my wife Joy began searching. Little did we realise just how difficult it was going to be.”
Then Michael and Joy, his wife, found AllClear Travel. “It was just such a relief,” Joy says. “They asked me a series of questions around Michael’s conditions and were positive from the start. They were the only company who gave me the confidence that Michael could be insured.”
There’s a reason 98% of our customers would recommend us to family and friends1.
What our Customers Say
Frequently asked questions on Heart Condition Travel Insurance
Can you get Travel Insurance with a heart condition?
Yes, you can get Travel Insurance if you have a heart condition. However, some insurers won’t cover all medical conditions. We’ll cover over 1,300 health conditions (including heart conditions) and all ages. In fact, we offer cover to 99%+ of our customers4. So, if you want to travel with confidence, get a quote now.
Does Travel Insurance for Heart Conditions cost more?
Yes, Travel Insurance for Heart Conditions will cost more. This is due to the risk of a more expensive claim on your policy if you do need to claim. This is standard, and most insurers will operate this way.
Is high cholesterol a heart condition for Travel Insurance?
High cholesterol is considered a minor heart condition for travel insurance. As with any pre-existing condition, you’ll need to disclose this when getting a quote. We may ask you some follow-up questions to see how serious it is. You might want to consider High Cholesterol Travel Insurance if you have high cholesterol.
Which heart conditions stop you from flying?
Typically, unstable heart conditions will prevent you from flying. These include conditions like acute heart failure, severe angina pectoris, or ventricular arrhythmia. If you have these, you should delay flying until the condition is stable. Before you plan your holiday, always seek the advice of your cardiologist or GP.
Can you buy Travel Insurance if you have a terminal illness?
Yes, as a specialist medical provider, we can offer Travel Insurance for heart conditions with a terminal prognosis. Please read our Policy Wording for more details.
However, there are a few important things to note:
- You must be fit to travel at the time of taking out the policy.
- We can’t offer cover if your doctor has advised you against travelling.
- You must not have been given a life expectancy of less than six months after your return date.
Can you get Travel Insurance if you’re undergoing tests for heart conditions?
Unfortunately, we are unable to provide Travel Insurance for undiagnosed heart conditions. However, if you are having further tests after being diagnosed, we could offer you a policy. Complete our medical screening process online now or call us on for more details.
Does Travel Insurance cover planned medical treatments?
We do not provide Travel Insurance for heart conditions for planned treatment abroad. We cannot cover you for any procedures that you’re going away to have. Our emergency medical treatment cover is only for unexpected injuries and illnesses while away. Read our Policy Wording for more details.
When can you fly after a heart attack?
The British Heart Foundation (BHF) states this will be different for every individual. You should speak to your doctor and airline before your trip so they can advise you. You may need a Fit To Fly certificate.
Ask your airline if you need assistance getting around the airport or for them to carry supplementary oxygen.
There will be different considerations depending on your condition and treatment. For instance, if you have a pacemaker or implantable cardioverter defibrillator, severe high blood pressure, or have recently had surgery.
Can you go to a hot country with a heart condition?
Hot, cold or humid destinations, or those at high altitudes, can impact your heart condition. You can take precautions, such as keeping out of the sun and drinking plenty of water in hot places. However, speak to your doctor before your trip. They may recommend that you avoid these places entirely.
Do you need to declare a heart condition?
Yes, you need to declare if you have a heart condition when buying Travel Insurance. Heart conditions count as pre-existing medical conditions. We need to know about them so that you’re covered for any unexpected related costs while you’re away. Otherwise, you may invalidate your policy.
Our Medical Warranty defines a pre-existing condition as follows.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, have taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
Our Travel Insurance for Heart Conditions Policy Wording contains full details.
What if your medication changes after you buy your policy?
If there are any changes to your heart condition, including any medications, you should contact us using the details in your Policy Wording. We will review your cover and may need to change it to ensure you’re protected while away. Our team will be happy to help with any questions you have about Travel Insurance for heart conditions.
Is a heart attack classified as a pre-existing condition?
Yes, a heart attack is a pre-existing medical condition for Travel Insurance.
Our Medical Warranty defines a pre-existing condition as follows.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, have taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
Our Policy Wording contains full T&Cs for Travel Insurance for heart conditions.
Is there an upper age limit on Travel Insurance for heart conditions?
At AllClear, we think everyone deserves to enjoy their holiday. That’s why we have no upper age limit. Including Travel Insurance for heart conditions. We offer:
- Over 60s Travel Insurance
- Over 70s Travel Insurance
- Over 80s Travel Insurance
- Over 90s Travel Insurance
Get your quote online now or call us for free. Read our Policy Wording for more details.
Get the most out of your trips with our helpful guides
Which activities do you have planned? Explore our helpful guides for tips on remembering everything you need when travelling to one of the destinations below.
Which activities do you have planned? Whether you’re planning a group holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
1. Based on 780 responses, correct as of 16/01/2024.
2. Average cost from outside Europe back to the UK
3. Providing you have purchased a policy that includes cancellation cover. Read our Policy Wording for exclusions and full T&Cs.
4. Based on completed quotes between May 2024 and April 2025.
