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Home » Travel insurance » Heart condition Travel Insurance

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.

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.

AllClear Superior2 rated COVID-19 Travel Insurance

While we’re delighted,travel restrictions have eased worldwide,  it’s always best to stay protected. You should always look for a Travel Insurance policy that includes Covid cover.

At AllClear, our Superior rated Covid cover is included for free with our Travel insurance for pre-existing heart conditions. This provides cover for cancelling or cutting short your trip due to your pre-existing heart condition or a positive Covid test.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
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

Planning and protecting your holiday abroad

Things to know before you go:
  • Remember to check the latest travel advice from the FCDO for your destination. You will have no cover if you choose to travel against FCDO advice, unless that advice relates specifically to Covid-19 (check our Covid FAQs  for more details)
  • Check any entry requirements and quarantine requirements for your chosen destination
  • Choose a Travel Insurance policy that includes Covid-19 Cover
  • For information on how Covid might affect your trip, visit our dedicated FAQs page

Tips for travelling with a heart condition

Make a plan

  • Choosing your destination wisely and planning your itinerary with care should help to minimise any potential risks. Talk to your doctor to see if any testing may be advisable prior to your trip to assure that the heart condition is stable. Address any new symptoms with your doctor before travelling and confirm that you are fit to travel. Pack using lightweight luggage on wheels preferably to avoid over exertion.

Choose the right destination

  • Prepare your trip well in advance and choose a destination where you are confident in the medical facilities and that have good access to medical treatment. Check that your accommodation and local facilities are suitable. For example, avoid staying at a hotel situated at the top of a steep hill, miles away from the nearest town.
  • If you’ve had a heart attack it is not advisable to travel to countries that experience extreme temperatures.
  • High altitudes are best avoided if you have a heart condition. High altitude forces the heart to work harder, where a healthy heart can respond to the demands, if you have a history of heart disease, heart failure or valve disease your heart may struggle to cope. If you are in a location 2000m or more above sea level you should expect to find physical activity more difficult.

Organise your medication

  • Make sure you have adequate supplies of prescribed medication, and extra in case you lose any. Make sure all heart medication is clearly labelled. Take a list of your heart medications and their dosages.

Medical history/info

  • Carry a copy of this with you as well as phone numbers for your doctors/family members. Carry contact numbers and web site addresses for pacemaker and ICD manufacturers and local representatives in the country you are visiting.

Be prepared when flying

  • Thrombosis, or the formation of a blood clot in the veins of the leg, pelvis, or arms is a risk here. Sitting long hours, dehydration, and the lower oxygen levels in a plane cabin can all predispose a person to blood clots. Data has consistently shown that flights greater than eight hours pose the greatest risks.
  • Travellers over 50 years old or those under 50 with one or more risk factors for deep venous thrombosis (such as obesity, large varicose veins, congestive heart failure, pregnancy, recent major surgery, use of hormone replacement therapy, or oral contraceptives) should wear below-the-knee compression stockings (20 Hg-30 Hg) when travelling on a plane for more than eight hours or 3,100 miles.
  • Try and confirm aisle seating if you are at risk for deep venous thrombosis this will allow you to enter and exit your seat, walk around, and stretch your legs without disrupting other passengers.
  • Avoid alcoholic beverages onboard and remain well hydrated.

Spa facilities

  • It is generally not advisable to use spa facilities e.g. saunas, Jacuzzis or steam rooms if you have high blood pressure, angina, have had a heart attack or have any other heart condition.

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

2 Covid cover rated Superior by a leading Independent UK Consumer Champion in 2021.

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

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of January 2022.

^Discount applies to the base price of AllClear branded travel insurance policies purchased through our Call Center only and does not apply to any premium generated to cover medical conditions or optional extras. This discount cannot be used in conjunction with any other offer.