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Written by Letitia Smith – Travel Insurance Expert

Why do you need Travel Insurance for a heart condition?

Holidays can be essential following the diagnosis of a heart condition, allowing yourself time to rest and relax. However, before travelling, you will need heart conditions Travel Insurance to protect both you and your trip. Travel insurance by AllClear will provide you with up to £15 million medical emergency expenses while you’re away.

As the specialists in medical Travel Insurance, AllClear can cover a wide range of medical conditions and has covered over 1300 different conditions since 2000.

Providing you have fully declared your heart problems condition, our comprehensive insurance will cover you:

  • For mild or severe heart problems.
  • To access a 24-hour emergency medical assistance line from your travel destination if you need emergency care.
  • To claim for any medical treatment and medication.

Our Travel Insurance for heart conditions will also offer you cover for the cancellation of your holiday and curtailment should you need to cut your holiday short due to unforeseen circumstances.

Can you get Travel Insurance with a heart condition?

If you’re living with a heart condition, you may find it more challenging to find Travel Insurance. As a Specialist provider, AllClear can offer comprehensive cover for those with heart conditions, including cover for arrhythmia, heart attack, and high cholesterol. We offer Travel insurance for a heart condition when other providers may not be able to.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Recuperation stay
Personal Belongings Up to £2k Up to £2.5k Up to £3k
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

The importance of Travel Insurance with heart problems

If your heart problems are not that severe, do you still need to declare your condition during your medical Travel Insurance quote process?

It’s important to declare your heart problems, no matter how minor they are. Doing this will ensure you are covered for any unexpected medical emergencies that may arise while you are abroad relating to your condition

Having fully declared your heart problems:

  • Any unexpected medical care is covered through your heart problems travel insurance.
  • Claims for medications or lost devices will be covered through your policy.
  • You can truly relax knowing that AllClear has you covered 24/7.

Tips for travelling with a heart condition

If you’re travelling with heart problems, it’s important to be aware of any necessary precautions you may need to take when planning your trip. From choosing your destination to ensuring you have enough medication to last you, preparation is key! Read on for our helpful tips on travelling with heart problems!

Planning your trip

  • Early planning will help you feel more relaxed and prepared for your holiday. Depending on the severity of your heart problems, you should check with your GP to confirm that you’re fit to travel.
  • If you are, consider the duration and environments you or your loved ones will be comfortable travelling in with your heart problems. If you’re on any medications, then request enough from your doctor to last the duration of your trip, and a few extra days just in case unexpected delays occur.

Choosing your travel destination

  • Consider your heart problems when choosing your travel destination. Try to avoid areas that are hilly as well as areas with high altitudes as lower levels of oxygen can cause breathlessness and angina, which may trigger your heart problems symptoms.
  • Try also to avoid destinations with widely fluctuating temperatures throughout the day and instead chose areas with steady climates.

Arranging flights and medical equipment

  • To avoid unnecessary stress while going through security at the airport, inform your airline beforehand of your heart problems condition. If you have a pacemaker or ICD (implantable cardioverter-defibrillator) fitted, you may want to let security know of this as it’s likely to set off metal detectors.
  • People with heart problems tend to be more prone to DVT (Deep Vein Thrombosis) that can occur from sitting for prolonged periods. To prevent this from occurring, it’s a good idea to purchase compression stockings to wear on the flight. These can help prevent it as can doing subtle leg exercises to keep your blood circulation going. Avoid alcohol and caffeine while on your flight and drink plenty of water before you fly.
  • If you’re travelling within Europe, you’ll be entitled to an Global Health Insurance Card (GHIC). The GHIC will allow you to access medical care in other European countries at lower cost or free. It should be made aware that this isn’t an alternative to medical travel insurance coverage, so always take out the necessary insurance policy alongside it when traveling. The GHIC would not cover you should you need to be flown home in an emergency.

Enjoying your holiday

  • The best way to fully enjoy your holiday when you arrive is to relax and try not to overexert yourself. If you are travelling with someone who has a heart condition, be mindful of their needs and aware that they may need to rest for a while when you arrive at your destination.
  • Though you should enjoy your time away as much as you can, you should also continue to adhere to any helpful lifestyle practices your doctor has recommended such as eating fresh, whole foods and avoiding processed foods as best you can.
  • Depending on your doctor’s recommendations, you should be able to enjoy excursions with your travel companions, resting intermittently when needed.

Our 5 star Trustpilot rating

Extremely competitive cover

“Extremely competitive cover. First time having to purchase cover with a heart condition and found the price and amount covered to be excellent. What topped it for me was the customer service I received. It was truly exceptional from a very professional lady called Tracy. Nothing was too much trouble. Would definitely recommend.”Helen

Read AllClear Trustpilot Reviews

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Frequently asked questions

Does having a heart attack affect Travel Insurance?

After having a heart attack, you’ll need Holiday Insurance for heart conditions. The screening process will calculate the cost of your policy based on your age, medical conditions and trip duration.

Having a heart attack may affect where you can buy your Travel Insurance. Not all providers may be able to offer it to you. As a specialist provider, AllClear can offer comprehensive Travel Insurance with heart condition cover that you can rely on.

Which Travel Insurance covers heart conditions?

Travel insurance with heart condition covers a variety of heart-related conditions, keeping you safe on your travels. When buying Travel Insurance, you’ll need to declare which heart condition you have so that your policy fully covers you.

What are pre-existing heart conditions?

There are many pre-existing heart conditions, including; heart failure, arrhythmia and heart disease.

Pre-existing heart conditions are any conditions relating to the heart where you’ve received treatment, experienced symptoms, or taken medication.

Is heart failure a pre-existing condition?

Yes.  You must declare heart failure as a pre-existing medical condition when buying Travel Insurance. It’s essential to declare any condition you have a diagnosis of and any condition under investigation.

What heart conditions stop you from flying?

Many people with a heart conditions can fly.

However, the possibility of flying will be determined by the severity of an individual’s heart condition.  It is recommended that you visit your GP to determine if you can fly and to obtain a fit-to-fly certificate.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

3 Providing you have purchased a policy that includes cancellation cover.

Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 13 March 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.