Heart Murmur Travel Insurance

A heart murmur is often something you live with day to day, but it can raise questions when you’re planning to travel. Knowing you have the right Travel Insurance in place can make all the difference, especially if you need medical care while you’re away from home.

Travel Insurance for heart murmurs is designed to consider your individual health circumstances, rather than treating everyone the same. By declaring your condition, you can arrange cover for emergency medical treatment, cancellation and other key benefits, helping you travel feeling prepared and protected.

Travel Insurance for heart murmurs is specialist travel cover for people who have been diagnosed with a murmur, which is the whooshing or swishing sound heard when turbulent blood flow occurs in or near the heart’s valves. Heart murmurs are common; in adults aged 40 and over, murmurs are detected in around one in four people during physical examination, though many are benign and harmless. 

Travel Insurance designed for people with heart murmurs takes your medical history into account when arranging cover. Standard Travel Insurance policies often exclude pre-existing medical conditions, which means that if you need medical treatment abroad, cancellation cover or emergency repatriation related to your heart condition or murmur, your claim might be denied. Our specialist Travel Insurance ensures you’re protected for unexpected costs and medical care while overseas, so you can travel with confidence rather than worry.

Why specialist cover matters

When you have a pre-existing condition like a heart murmur:

• Standard policies may not cover you for medical treatment related to your murmur or underlying heart issues if not declared.
• Medical costs abroad can be substantial. Without appropriate cover, you could face significant bills for emergency care, hospital stays or repatriation.
• Some countries require evidence of cover for medical treatment before entry.
• Disclosure matters: failing to declare a heart murmur (or related symptoms, treatment or history) can invalidate your policy, meaning claims might be refused.

Typical benefits of Travel Insurance for people with a heart murmur

While cover details vary by provider, specialist Travel Insurance for heart murmurs often includes:

• Emergency medical expense cover for treatment overseas
• Emergency repatriation to the UK if medically required
• Cancellation or curtailment cover if you have to cancel or cut short your trip due to health issues
• Replacement medication and medical equipment cover
• 24/7 medical assistance support while abroad

Heart Murmur Travel Insurance helps protect you from unforeseen medical expenses while you’re away, including access to up to unlimited emergency medical cover. If your condition means you need to return home urgently, emergency repatriation costs are also included. You can find a full outline of what is covered — and what isn’t — below.

For full details of cover, please see your policy wording.

We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.

Finding Travel Insurance when you have a medical condition can feel restrictive, but it doesn’t have to be. We focus on arranging travel cover for people with complex medical histories, working with insurers who are able to consider cover for most travellers when conditions are fully declared.

Being open about your health matters. Declaring all medical conditions allows your policy to respond if you need treatment while you’re away, including care related to a pre-existing condition. Without full disclosure, you risk gaps in cover or declined claims.

We’re specialist Medical Travel Insurance providers, with 99%+ of our customers offered cover^³. Cover can be considered for more than 1,300 pre-existing medical conditions, spanning a wide range of medical areas, including:

• Endocrine conditions – such as type 1 and type 2 diabetes, underactive thyroid and liver cirrhosis

• Heart and circulatory conditions – including heart attack, high blood pressure, heart failure and ischemic heart disease

• Mental health conditions – including depression, bipolar disorder and Schizophrenia

• Muscle, joint and bone conditions – such as osteoarthritis, rheumatoid arthritis, fibromyalgia and osteoporosis

• Respiratory conditions – including asthma, COPD, bronchiectasis and cystic fibrosis

To tailor cover to your situation, a medical screening is required before a quote can be issued. This is a short series of questions designed to understand your health history and ensure the cover offered is appropriate. You may be asked about:

• When your condition was first diagnosed

• Any ongoing medication or treatment

• Previous hospital admissions related to your condition

Once the medical screening is complete, you’ll be able to view a quote for Travel Insurance for a heart murmur that reflects your medical history and travel plans.

When you have a heart murmur, Travel Insurance needs to be chosen with a bit more intention. The right policy depends on how you travel, where you’re going and what your plans look like once you get there. Getting this right helps avoid unexpected costs and ensures your cover actually matches your trip.

How often you plan to travel

• Single Trip Travel Insurance – Designed for one-off holidays or extended stays, with protection in place for trips lasting up to 365 days.
• Annual Multi-trip Travel Insurance – A practical choice if you travel more than once a year, and it could work out cheaper.

Extra cover for certain types of trips

Some holidays need additional protection that isn’t included as standard:

• Cruise Cover – Provides support for cruise-specific situations, such as missing a sailing or being confined to your cabin on medical advice.
• Gadget Cover: – Covers more than just your phone, with protection available for multiple devices on a single policy.
• Golf Cover – Designed to protect your golf equipment, with cover available for clubs and accessories up to £750.

Cover that fits who you’re travelling with

Find a policy to suit your travel group, however many of you there are.

• Family Travel Insurance – One policy for up to two adults and up to eight children.
• Group Travel Insurance – Suitable for groups of up to eight adults travelling together.

Simply complete our quick 3-step screening process to receive 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. We’ll also ask for information about your holiday plans. You can complete this online or over the phone with one of our team members.

2. Complete our simple medical screening process

You must declare any medical conditions you have. You’ll need to mention any medications you and your travel companions 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.

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