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Home » Travel insurance » Irregular Heartbeat Travel Insurance

Irregular heartbeat travel insurance: What it covers

Irregular heartbeat travel insurance covers you if you are currently living with an irregular heartbeat and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, even those related to COVID-19, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

According to the NHS, an irregular heartbeat is experienced by more than 2 million people a year in the United Kingdom. Therefore, it is clear that you are not alone when it comes to having an irregular heartbeat. Irregular heartbeat can be known by many names, and quite commonly arrhythmia. In short, the heart is a complex system of valves, nodes, and chambers that control how and when the blood is pumped. As such, having an irregular heartbeat can be defined as your heart pumping blood too fast, slow, or in an abnormal rhythm. Irregular heartbeat travel insurance from AllClear makes sure that if you need any medical treatment on holiday, you are provided with an Emergency Medical Assistance team that understands your condition, and knows how to help. 24 hours a day – 7 days a week. 

Whilst a manageable medical condition, irregular heartbeat has the potential to lead to more severe heart conditions, including sudden cardiac arrest. That’s why our policies are designed to offer irregular heartbeat travel insurance that is not only affordable but fully comprehensive. We recognise that you are not just another statistic. Our aim is to provide travel insurance for people who may otherwise struggle to be insured elsewhere – and we’re proud to have covered over half a million people for their pre-existing medical conditions since the year 2000.

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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Frequently asked questions

Can you get a quote after you have had a cardiac arrest?

Yes, we would be happy to offer you a quote.

Do you need to tell you about having a pacemaker as well?

You only need to enter ‘irregular heartbeat’. During the questions about your heart condition, you’ll be able to note which treatment(s) you’ve had.

Are you covered for your pacemaker stopping working?

Yes, our emergency medical treatment extends to your health devices, including repair.

You will be having a heart procedure but you don’t have a date for it. Are you still covered if you can’t go on holiday because of it?

If you add on Waiting List cover,  yes you are!

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.

Tips when you’re travelling with an irregular heartbeat

  • First of all, check with your doctor that you are fit to travel.
  • You know your body better than anyone. But double check your destination is suitable for your planned activities. For example, some travellers with irregular heartbeat like to avoid destinations with lots of hills, or accommodation with only stairs to use.
  • If excessively high or low temperatures (and high altitudes) affect your heart, consider this when booking a holiday. Or ask your doctor for further advice on which climates are best for your condition.
  • In the event of an abnormal heart rhythm, take deep, slow breaths, that begin in your abdomen. Doing so can help regulate your heartbeat.



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[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.