Trusted for 25 years
Covered 3.5 million+ travellers
24/7 emergency helpline
Travel Alert
Due to unrest in the Middle East, please check We provide Travel Insurance for heart conditions including angina, atrial fibrillation and cardiac difficulties after a heart attack.
If you have had difficulty getting heart disease Travel Insurance in the past, we can help you. Heart Condition Travel Insurance from AllClear provides up to unlimited medical emergency expenses cover so you can travel with confidence and enjoy your trip with peace of mind.
Why do you need specialist Travel Insurance for Heart Conditions?
According 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 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 can 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.
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. However, Heart Condition Travel Insurance is particularly important.
- 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?
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.
Cover benefits for Heart conditions Travel Insurance
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 travel insurance with medical conditions provider, and we cover all conditions. The first step is to complete the medical screening. During the 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 questions 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?
It’s important to give us the most accurate information during the medical screening process to make sure you have comprehensive cover. 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 disclose to us 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.
Q. Why shouldn’t a heart condition stop you from enjoying travel, and how can you do so safely?
A. “Having a heart condition does not stop anyone from enjoying a holiday. Preparation is key and choosing a destination wisely is important. Ensuring all medical documents, medications and contingency plans are in order is sensible. Preparing for long-haul flights with the right hand luggage requirements, paperwork and assistance would make it stress-free. Make sure you have the right comprehensive insurance in place is essential.”
Dr Preethi Daniel, Deputy Medical Director – London Doctor’s Clinic
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.
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
How soon after a heart attack can you travel?
How quickly you can travel after a heart attack depends on your recovery, the type of treatment you’ve had, and your doctor’s advice. Many people can fly again within 7–10 days after a mild heart attack, provided there are no complications. If you’ve had surgery, such as a stent or bypass, your recovery time may be longer.
Your doctor may recommend a fit-to-fly certificate before you travel, and some airlines will require it. It’s important to follow medical advice closely, as travelling too soon after a cardiac event can put your health at risk. Always check with your GP or cardiologist before booking a trip, and make sure you have specialist Travel Insurance in place.
Important Information on Heart Disease Travel Insurance
Heart disease is a general term related to a number of conditions. It can also be called coronary heart disease and ischemic heart disease. The main symptoms of heart disease are angina, heart attack and heart failure.
You want to ensure you’re properly covered, does our medical screening process allow you to provide details of your heart disease history?
With many years of experience handling very complicated medical conditions, AllClear has designed a straight forward online medical screening process. This process is a simple question and answer format and provides us with all the information we need to offer you a quote for your heart disease. Once completed you can review the quotes and cover levels available and decide the premium you wish to pay.
What will affect the premium?
With holiday insurance for heart conditions, premiums are calculated based on the answers you provide throughout the medical screening process. Many factors are taken into consideration including the length of your holiday, where you are going, your age and medical conditions.
What happens if your medical situation changes after you’ve bought your policy?
If you develop a new medical condition or an existing one changes once you’ve purchased your travel insurance, you will still be able to amend your policy. Please ready our change in state of health article for more information. You will need to notify us at the earliest opportunity and in particular before you book or commence your trip – just call our Customer Care Team and they will be happy to make any adjustments. Please note that in some cases an additional premium may be applied to your policy to make these changes. Please check your policy wording as providers may vary.
Article References:
Hear from our customers
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.”
Travel insurance with medical heart conditions cover
“I recently had the pleasure of working with Chloe from AllClear regarding my holiday insurance inquiry. Chloe was incredibly supportive and attentive, guiding me through the process with ease. I was particularly impressed that AllClear was able to cover my pre-existing heart condition, something that other insurers had turned me away for. Not only did they provide me with the coverage I needed, but their pricing was also very reasonable. I highly recommend AllClear for anyone looking for reliable and accommodating holiday insurance!”
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.
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 travel insurance for medical conditions 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.
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.
