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Travel Alert
Due to unrest in the Middle East, please check Atrial Fibrillation Travel Insurance is designed for people living with AFib who want to travel with confidence. Specialist cover can include protection for emergency medical treatment abroad, helping to avoid unexpected costs and ensuring you have support if something goes wrong while you’re away.
Atrial fibrillation (AFib), a form of arrythmia, is a long-term heart condition that causes an irregular and sometimes fast heartbeat. Symptoms such as dizziness, breathlessness and fatigue can make travelling feel more uncertain, particularly in unfamiliar environments where you may need urgent medical attention.
Without the right Travel Insurance, the cost of emergency treatment abroad can be significant. That’s why it’s important to choose specialist Travel Insurance that considers your condition. Make arranging your Atrial Fibrillation Travel Insurance an essential part of your trip planning, so you can focus on enjoying your time away with peace of mind.
What is atrial fibrillation Travel Insurance, and why do you need it?
Atrial Fibrillation Travel Insurance is specialist Travel Insurance designed for people living with AFib (a type of irregular heartbeat). It takes your heart condition into account, subject to medical screening and acceptance, so your policy can reflect your health and travel plans.
Many people living with AFib choose standard Travel Insurance without realising the risks. If pre-existing medical conditions, such as atrial fibrillation, are not declared or are not fully covered, it can affect whether you’re able to claim for related issues while you’re abroad.
Standard policies may exclude pre-existing conditions or limit claims. This means you could be left unprotected if you need treatment.
Specialist cover helps protect you against:
- Emergency medical treatment abroad related to your AFib
- Medical repatriation to the UK if needed
- Cancellation costs if your health changes before you travel
If you experience an AFib episode while away, the last thing you want is to find out your insurance won’t cover your treatment. Without the right policy in place, you could be responsible for potentially significant medical costs.
Atrial fibrillation can increase the risk of symptoms such as palpitations, dizziness and shortness of breath, especially when travelling. Having specialist Travel Insurance in place means your condition has been properly considered, so you can travel with confidence.
Can you get Travel Insurance if you have atrial fibrillation?
In many cases, yes – having atrial fibrillation (AFib) doesn’t mean you can’t get Travel Insurance. What matters is how your condition is assessed.
At AllClear, we look at your situation individually through our medical screening process. This means considering factors such as your symptoms, treatment, and overall health, rather than applying blanket restrictions.
You’ll need to declare your AFib when getting a quote. This helps make sure that, if we’re able to offer cover, your policy reflects your condition and supports you if you need medical treatment while you’re away.
Many standard policies don’t take this approach and may exclude heart conditions altogether. Specialist Travel Insurance is designed to do the opposite – to understand your condition and work around it where possible.
Standard insurance may:
- Not cover all pre-existing medical conditions or may apply restrictions to them
- Involve more limited medical screening
- Have lower limits on emergency medical cover
- Offer less access to specialist medical support
AllClear specialist AFib cover:
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Includes atrial fibrillation when declared and accepted on your policy
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Tailors cover to your health through a detailed medical screening process
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Offers up to unlimited medical expenses and repatriation, depending on your policy
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Draws on specialist experience in covering complex medical conditions
If you’re unsure where you stand, getting a quote is the simplest way to find out what may be available to you, and it could give you the reassurance to plan your trip with confidence.
What cover does AllClear’s atrial fibrillation Travel Insurance provide?
Our specialist Travel Insurance is designed to take your heart condition into account, so you can travel with reassurance. Depending on your policy, this can include protection for medical emergencies abroad, as well as support for common travel disruptions like lost belongings or cancellations.
As every policy is tailored to your circumstances, it’s important to read the Policy Wording carefully to understand what is included and any terms, conditions or exclusions that apply.
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What’s covered?
- Medical cover: AllClear policies include emergency medical cover, including atrial fibrillation and any other medical conditions you declare. This can include treatment for AFib-related symptoms, medication and necessary medical care abroad
- Cancellation and cutting your trip short: Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover returning 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: Delayed flight? We’ll compensate you for the time. We’ll also cover any resulting 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 policies have no upper age limit
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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 AFib 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: When you buy Travel Insurance, you need to provide us with an accurate medical history so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
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| 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.
Why choose AllClear for your Travel Insurance?
When you’re travelling with atrial fibrillation, you need a specialist who understands your condition. At AllClear, Medical Travel Insurance isn’t an add-on – it’s what we do.
Here’s why so many people choose us:
- Specialists in medical conditions – We consider over 1,300 conditions, including AFib, subject to medical screening
- No upper age limit – Age alone won’t stop you from getting a quote
- Tailored to you – Your policy is shaped around your health and travel plans
- Extensive medical support – Up to unlimited medical expenses and repatriation are available, depending on the policy selected
- Trusted by customers – 98% rate us as ‘Excellent’ or ‘Great’ on Trustpilot²
Our straightforward screening process helps us understand your individual circumstances – so you can travel with confidence, knowing your AFib has been properly considered.
Comprehensive cover for atrial fibrillation and more
Many people living with AFib also manage other health conditions. Rather than juggling multiple policies or facing gaps in cover, our comprehensive approach is designed to help protect everything that matters to you.
Common conditions we can cover alongside your AFib:
- High blood pressure (hypertension)
- Type 1 and Type 2 diabetes
- Heart conditions
- High cholesterol
- Respiratory conditions like asthma and COPD
- Cancer (during and after treatment)
Benefits of our comprehensive approach:
- Declare all your conditions in one simple screening process
- One policy that can cover your declared medical conditions
- Designed to help reduce the risk of gaps in cover between different conditions
- Clear, tailored cover for multiple conditions on one policy
You can travel knowing that cover for your declared conditions can be included on one policy, not just your AFib.
What questions will you be asked during your medical screening?
When you apply for Travel Insurance with atrial fibrillation, you’ll be asked a few straightforward questions to help us understand your condition.
These may include:
- Do you have permanent or paroxysmal atrial fibrillation?
- How has your atrial fibrillation been treated, for example medication, ablation or a pacemaker?
- How many unplanned hospital visits have you had in the last 12 months?
- What symptoms do you experience and what medication are you currently taking?
- Have you ever had a heart attack?
Your answers help us provide a quote that reflects your health and travel plans, so you can get the most appropriate cover for your needs.
Our Travel Insurance: A simple 3 step quote process
Simply complete our quick 3-step screening process to get your quote
Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking.
This way, we can 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.
“Atrial fibrillation can increase the risk of symptoms such as palpitations or breathlessness, particularly when travelling. That’s why it’s important to have Travel Insurance that reflects your condition. A tailored approach helps make sure you’re supported if you need medical care abroad and gives you greater confidence to enjoy your trip.”
Letitia Smith – Head of Communications
What our Customers Say
I was a bit apprehensive...
“I am 72 and was a bit apprehensive regarding the expense of my travel insurance. I have atrial fibrillation, an irregular heartbeat and take blood thinners and statins as a precautionary measure. I also have had melanoma within the last 3 years, requiring an operation to remove a mole. Karen helped me through the process clearly and sympathetically. I was surprised by the quote being less prohibitive than I expected. I will definitely go with AllClear Travel Insurance in the future.”
Atrial fibrillation travel tips
Atrial fibrillation is a long-term condition, and you are probably already aware of most of the things you need to consider when travelling. You may, however, be feeling nervous about taking a trip abroad or unsure of what to think about while planning your trip. As long as your condition is stable and well-managed, there should be nothing stopping you from enjoying a well-deserved break. However, there are a number of things to bear in mind to help you have a relaxing holiday.
Planning ahead
It’s important that you don’t make plans to travel without the backing of your doctor. Speaking to them first should reassure you and help you arrange a safe and happy holiday.
- Discuss your holiday plans with your doctor or heart specialist before booking.
- Medical advice suggests not travelling to areas where you’ll experience extreme temperatures and high altitudes.
- Pack more medication than you need, in case of delays and unforeseen circumstances.
- Take your Travel Insurance documentation in your hand luggage for easy access to the details of your policy.
On the journey
Travelling to and from your destination is the most stressful bit of any holiday, whether or not you have a pre-existing medical condition. Plan ahead with our atrial fibrillation travel tips for the journey:
- Dehydration can trigger atrial fibrillation symptoms. Stay hydrated by regularly drinking water or other non-alcoholic liquids, especially in warmer climates.
- You’re at higher risk of developing blood clots. Wear compression stockings on the flight, if advised by your doctor. Also, be sure to stretch your legs during long journeys by walking around at regular intervals.
- If you are travelling through different time zones, make sure you know when you need to take your medicines.
- If you have a pacemaker fitted, bear in mind that it can be affected by airport security machines. Tell airport staff in advance of passing through security and show them your device’s identification card.
While you’re there
Holidays are all about relaxing and trying new things. Talk to your doctor about any particular activities you plan to do in advance, and bear in mind that you might have to adjust your behaviour to keep yourself healthy while you’re abroad.
- Changes to your diet can trigger symptoms, so sample new foods in moderation and try to stick to your usual diet and routine.
- Keep active by making time for gentle physical activity each day. Don’t overexert yourself.
- Keep a careful track of any changes to your usual symptoms. Be aware of chest pain and heart rhythms that feel different or go on longer than usual. Also note any symptoms of stroke, such as confusion or weakness.
- Although it’s nice to be pampered, remember that it’s not advisable to use spa facilities such as saunas, jacuzzis or steam rooms.
- Make sure you get enough sleep, because being overtired can be another trigger for your symptoms.
Atrial Fibrillation Travel Insurance FAQs
Can I get Travel Insurance for atrial fibrillation?
Yes. Many people with atrial fibrillation can still get Travel Insurance, provided their condition is stable and they’ve been declared fit to travel by their doctor. Our policies are designed to cover pre-existing heart conditions like atrial fibrillation, helping protect you from costly medical emergencies abroad.
Do I need to declare atrial fibrillation when applying for Travel Insurance?
You must declare atrial fibrillation when getting a quote, even if your symptoms are mild or managed by medication. This information allows your insurer to accurately assess your medical risk and provide valid cover. Travelling without declaring it could make your policy invalid if you need to make a claim.
Will my medication for atrial fibrillation be covered?
Yes. Your Travel Insurance for atrial fibrillation can cover the cost of replacing prescription medication if it’s lost, stolen, or damaged during your trip. Always carry your medicine in your hand luggage, keep it in its original packaging, and bring a copy of your prescription or a doctor’s letter for customs.
Can I get cover if I’ve had surgery or a pacemaker fitted?
In most cases, yes. Many travellers with pacemakers or a history of cardiac ablation are eligible for cover, as long as your doctor confirms you’re fit to travel. During the quote process, you’ll be asked about recent hospital visits, treatment history, and whether your condition is stable.
Will having atrial fibrillation make my Travel Insurance more expensive?
Premiums are based on several factors including your age, destination, trip length, and overall health. Because atrial fibrillation is a cardiac condition, it may increase the cost slightly. However, declaring it upfront means you’ll have complete, valid protection if a heart-related emergency occurs while you’re away.
Can you fly with atrial fibrillation?
Many people with atrial fibrillation can fly safely when their condition is stable and well-managed. However, you should always follow your doctor’s specific advice about flying. Consider factors like medication timing, staying hydrated, and moving regularly on long flights. Most importantly, make sure your AFib is declared, so you can be covered for any complications during your journey, subject to medical screening, acceptance and policy terms and conditions.
Is arrhythmia the same as atrial fibrillation?
Atrial fibrillation is a specific type of arrhythmia, but not all arrhythmias are AFib. Arrhythmia is the general term for any irregular heartbeat, while AFib specifically refers to rapid, irregular beating of the upper heart chambers. When getting Travel Insurance, it’s important to declare your specific diagnosis accurately.
Is atrial fibrillation heart disease?
Atrial fibrillation is a heart rhythm disorder that can be associated with heart disease, but it’s not always caused by underlying heart disease. Some people develop AFib without other heart problems. Regardless of the underlying cause, AFib must always be declared as a pre-existing condition when applying for Travel Insurance, as it can require emergency treatment abroad.
Can I get Travel Insurance if I take anticoagulants like Warfarin for my AFib?
You may still be able to get cover if you take anticoagulants like Warfarin, Rivaroxaban, or Apixaban. It is important to declare these medications as they’re part of your AFib treatment and overall medical history. Many of our policies may provide cover towards the cost of replacing lost or stolen prescription medications, which can be particularly important for anticoagulants.
