Get peace of mind with Stroke Travel Insurance. With up to unlimited medical emergency expenses cover, AllClear allows you to travel with confidence.
Specialist Travel Insurance for Stroke
Getting Stroke Travel Insurance means you’re covered in case of a medical emergency abroad. We’ll help you cover the cost of replacing your medication if it goes missing. Or we’ll cover the costs from unexpected hospital trips.
- There are 1.3 million stroke survivors in the UK. We believe everyone should have the right to travel, including travelling after you have had a stroke.
- However, 24% of stroke survivors are readmitted to hospital within a year. That’s why it’s important to be covered for emergency treatment while you’re abroad.
- The cost of warfarin can be as high as £2,225 per month in the US and as much as £6620.13 in South America. So, if you need medication in an emergency, you could face hefty costs.
Getting the right Travel Insurance policy is the key to travelling with peace of mind. You need a policy that covers all your needs while you’re away. That means cover if you lose your medication and cover if you need to be admitted to hospital.
At AllClear, we can cover: All medical conditions. All ages. All destinations. 98% of our customers would recommend us to family and friends, so you’re in good hands2.
Can you get Travel Insurance if you’ve had a stroke or TIA?
Yes, you can get Travel Insurance for a stroke or TIA. However, you may be turned down by standard providers.
At AllClear, we’re a specialist Medical Travel Insurance provider. We cover more than 1,300 different medical conditions and 99%+ of our customers are offered cover. We can cover you if you have had a stroke.
Remember, if you’ve had a stroke or TIA, this counts as a pre-existing medical condition. This means you must declare it when getting a quote. During the medical screening process, we’ll ask you some simple questions regarding your condition. This is so we can tailor your policy to you and your requirements. Then you can look forward to your holiday with peace of mind that you’re covered.
Read our Stroke Travel Insurance Policy Wording for full details.
What cover does AllClear’s Stroke Travel Insurance provide?
Specialist Stroke Travel Insurance from AllClear covers you against any unexpected medical costs. It also covers the cost of replacing your medication if you lose it abroad, for example, the cost of purchasing warfarin or atorvastatin.
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 curtailment. 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. You are not covered if you can travel but choose not to.
- Other regions. Your Stroke 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.
For further information about what is and isn’t covered, check your policy wording.
We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.
SWIPE TO COMPARE POLICIES
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 |
| 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.
Will a stroke affect the cost of your Travel Insurance?
How much does Travel Insurance cost after a stroke? This will depend on a few factors, including the medical conditions you have declared.
We will ask you some simple questions during medical screening. So if you’re in good health and your condition is well controlled. The price of your policy will probably be lower than for someone who is more likely to need treatment while away.
Factors that will impact your quote include:
- How severe your stroke or TIA was
- How long ago it was
- If you’ve had more than one
- What medication you take
- Your general medical history and whether you have other medical conditions
The cost of Travel Insurance for stroke could also be impacted by other things, such as:
- Your age: In general, older people are more likely to need hospital treatment
- Your destination: Some countries have more expensive medical treatment or have more risks for tourists
- The length of your trip: If you’re going away for months, you’re more likely to need to make a claim
- Anyone else you want included on the policy: You can add other people to your policy, with group, family or couples policies available
- Any optional extra cover you wish to add: Such as gadget cover, protection for cruises or golf trips
Each quote for Stroke Travel Insurance is tailored to you and your trip. Get yours online now or call us on 0800 848 8608.
Always read our Policy Wording to understand what is and isn’t included in Travel Insurance for stroke.
What types of strokes are covered by AllClear’s Travel Insurance?
We can cover all types of strokes, including:
- Ischemic Stroke. This type of stroke is caused by a blocked blood vessel in the brain. It can lead to physical weakness or paralysis, which could affect mobility when you are travelling. Around 85% of all strokes in the UK are ischemic. Recovery varies but could require accommodations for accessibility when abroad
- Hemorrhagic Stroke. These result from a burst blood vessel. It often need immediate medical intervention and can cause severe complications. . If you or someone you know has a hemorrhagic stroke, it can potentially affect travel plans. Hemorrhagic strokes account for about 15% of all strokes in the UK.
- Transient Ischemic Attack (TIA). These are sometimes known as “mini-strokes”. TIAs are brief episodes of stroke-like symptoms. They may not cause permanent damage, but can still indicate underlying vascular issues. These issues sometimes require medical evaluation before travel. Around 46,000 people in the UK have a first-time TIA each year.
How to get Travel Insurance when you’ve had a stroke
The first step to getting Travel Insurance after a stroke or mini-stroke (TIA) is to complete a medical screening. We’ll ask you a few questions about your condition. This might include things like:
- Have you had a stroke within the past three months?
- Have you been admitted to hospital recently?
- Do you take any medication for your condition?
It’s important to be as honest as possible here. If you don’t disclose all the information and you have a medical emergency abroad, we might be unable to help.
AllClear’s Travel Insurance after Stroke with other pre-existing medical conditions
If you’ve had a stroke or TIA, we know you may also have other conditions such as heart disease, diabetes or hypertension. You can still get Stroke Travel Insurance with multiple medical conditions. Our 2024 customer survey revealed that 62% of our customers have more than one pre-existing condition.
Having more than one pre-existing condition shouldn’t stop you from getting the cover you need. We’re Specialist Medical Travel Insurance providers. We can cover: All medical conditions. All ages. All destinations. Simply declare your pre-existing conditions during the medical screening, and we’ll do the rest.
Our Medical Warranty defines a pre-existing condition as follows.
You must declare 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 cut short your trip.
- Been advised of a terminal illness.
Our Travel Insurance for stroke Policy Wording contains full details.
Travel advice: How to prepare for your trip when you’ve had a stroke
Having experienced a stroke or TIA doesn’t mean you can’t enjoy a holiday. However, there are some steps you should take to prepare.
- Speak to your doctor. It’s very important to discuss your trip with your medical team. They will be able to talk about any precautions you should take. For example, avoiding DVT’s. As well as anything to watch out for that could make your condition worse
- Are you fit to fly?. The Stroke Association says: “There is no set answer to this”. It will depend on you and your condition as well as who you’re flying with. It’s important to check with your doctor and speak to your airline. They may require you to have a Fit To Fly certificate
- At the airport. Check with your airline that they will carry your medical aids. You should also discuss any issues you may face during your time at the airport
- Consider your mobility requirements. If you have limited mobility, think about where you’re staying and how you will get around. You should contact your accommodation or tour company in advance to discuss any requirements
- Prepare your medication. You should always travel with your medication in its original packaging. Some destinations or airlines may require you to carry the prescription and a doctor’s letter as well. Discuss this with your doctor in advance. Take plenty of medication with you in your hand luggage, including extra in case you have to stay longer
Find the best Travel Insurance for your trip
We tailor each policy to you, your needs, and your holiday. So, which policy do you need? Here’s what we’d suggest.
- Taking just one trip this year? Single Trip Travel Insurance gives you up to 365 days of consecutive travel cover.
- Going abroad more than once? Annual Multi-Trip Travel Insurance covers each trip for between 45-55 days, no matter how many times you go away.
- Venturing to Europe? Europe Travel Insurance covers you across the entire continent.
- Going further afield? Worldwide Travel Insurance covers you from Missouri to Morocco.
- Going golfing? Golf Travel Insurance will protect you and your clubs so you can focus on getting a hole-in-one.
- What about a cruise? Cruise Cover means you’re not out of pocket if you’re confined to your cabin or miss your departure.
How our Travel Insurance after stroke works: A simple 3 step quote process
Getting a quote for Travel Insurance after a stroke 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’re 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…
“Want to travel after a stroke? The right Travel Insurance policy can give you peace of mind for your trip. AllClear’s policies cover medical emergencies, including those related to your stroke. That leaves you free to focus on enjoying your travels.”
What our customers say
Comprehensive and great value
“My husband and I have significant medical issues and our old company withdrew cover when he had another stroke. We have been with AllClear ever since and the cover has been great value and comprehensive. Puts your mind at ease when travelling.”
– Julia
– Date of experience: June 13, 2024
There’s a reason we’re rated Excellent or Great, with over 150,000 reviews4. Here’s what our other customers have to say about us.
What our Customers Say
Frequently asked questions on Stroke Travel Insurance
Is a stroke a pre-existing condition for Travel Insurance?
Yes, a stroke is considered a pre-existing condition for the purposes of Travel Insurance. You should disclose the fact that you’ve had a stroke during the medical screening process. If you do not, we won’t be able to cover the costs of any medical emergencies related to your condition while you are away.
Our medical warranty defines a pre-existing condition as anything where you have been:
- to a hospital, clinic, or GP surgery for medical treatment within the last two years. This also applies to remote consultations, either on the phone or through an app.
- placed on a waiting list, which might mean you’ll have to miss your trip.
- told you have a terminal illness.
Will a GHIC cover medical care if you're travelling after a stroke?
The GHIC (Global Health Insurance Card) will cover any emergency medical costs while you’re travelling in a participating country in Europe. However, the UK Government recommends that all British nationals get the recommended type of Travel Insurance before they leave the country.
While the GHIC will cover emergency medical costs, it does not cover other medical expenses – such as transport to or from a hospital. It also does not cover other holiday emergencies, such as lost luggage or cancelled flights.
How soon after a stroke can you travel?
AllClear charity partners, The Stroke Association, advise stroke survivors not to fly for two weeks. In some cases, you may have to avoid flying for three months. In the case of a ‘mini-stroke’ or TIA, you may be able to fly after 10 days as long as you have fully recovered. Be careful though. In the weeks after a stroke, you are at the highest risk of another stroke.
Can you fly after a stroke?
Whether you can fly after a stroke or TIA will depend on various factors:
- Your medical history and the severity of your condition
- Whether your doctor or medical team are happy for you to travel
- Any policies your airline has regarding the length of time since your stroke
- Where you’re flying from and to. Different countries have different rules
- How far you are flying, as long haul flights may carry higher risks
You may need a Fit To Fly certificate. Along with a doctor’s letter and prescription for any medication you are carrying. You should speak to your doctor, airline, accommodation and any tour operators in advance.
Will you need a fit-to-fly certificate?
You might need a Fit To Fly certificate if you’ve had a stroke or TIA for your holiday providers. This is a document from your doctor confirming that you are safe to travel. Speak to your airline to find out if they need one. Cruise, tour and other operators may also need it.
Your doctor may need time to prepare this for you and could charge a fee. So make sure you have plenty of time to organise this if needed.
For your Travel Insurance to be valid, you will need to be fit to travel. We would only need a fit to travel certificate in writing at the point of a claim.
How soon can you travel after a stroke?
Each individual person will be different, depending on the severity of your stroke or TIA and general medical history. Your doctor or medical team should be able to advise you. Airlines, as well as different countries and authorities, set their own rules. So you should also check with them to ensure you have what you need to travel.
Where can you travel after a stroke?
You should speak to your doctor, to check whether certain destinations carry risks for you and your condition. Along with your airline to make sure you’re able to fly with them.
It’s also wise to look into whether you could get the treatment you need at your destination if you faced a medical emergency. Or replacement medication if yours is lost or stolen. Stroke Travel Insurance could help with costs if you face unexpected issues like these.
Do I have to declare a stroke on Travel Insurance?
When buying Travel Insurance for stroke, you must declare any medical condition where you have:
- 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.
Read our Stroke Travel Insurance Policy Wording for full terms and conditions.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on remembering everything you need when travelling to one of our destinations.
Which activities do you have planned?
Want a worry-free trip? Don’t forget to add extra cover to your policy. Whether you’re planning a family holiday or setting sail on a cruise, we’ve got you covered.
1 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of February 2024.
2 Based on 780 responses, correct as of 16/01/2024.
3 Based on 4358 responses. AllClear Annual Survey, February 2024.
4 Based on 150,000+ Trustpilot responses, as of August 2024.
5 Based on completed quotes between January 2023 – December 2023.
