Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Why do I need travel insurance for atrial fibrillation?

Standard travel insurance policies will normally include medical coverage, but it’s likely that this won’t extend to claims relating to pre-existing heart conditions like atrial fibrillation. 

Atrial fibrillation is the most common heart rhythm disturbance condition and affects 1 million people in the UK. With this condition sometimes requiring medical attention it's important that you have a policy in place that will cover you for medical expenses, should you need to make a claim.

Most travel insurance providers will need to know if you have ever suffered from any heart-related health conditions, including atrial fibrillation, no matter how long ago it was.

Our service enables customers to compare specialist cover for pre-existing medical conditions across a range of leading providers. Simply click the link below to get started - and make sure you tell us about your diagnosed conditions to compare the most relevant quotes.

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COVID-19 Medical Cover

We’ll only show you quotes from providers who cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Enhanced COVID Cover

Extra cover that'll give you & your holiday even more protection against COVID-19. Compare quotes from leading providers with this additional cover today.

Medical screening for atrial fibrillation

Medical screening for atrial fibrillation refers to the questions you might be asked after you’ve declared the condition. 

These questions are asked so that travel insurance providers can get more of an insight into your medical background and develop a better understanding of your condition. 

This enables them to offer you the right type of cover. So, when you start comparing policies with us, you can be sure that they include everything you need. 

Here is  a list of some questions you may be asked during the online screening: 

  • How has your condition been treated? (e.g pacemaker or medication)
  • How many unplanned hospital visits for your irregular heartbeat have you had in the last 12 months?
  • Do you have any further investigation or treatment planned? 
  • Are you on medication to thin the blood?

What does atrial fibrillation travel insurance cover?

By declaring atrial fibrillation on your policy, you can rest assured that your cover will take into account your condition, and any impact it has on your trip. For example, if your condition flares up before your holiday, or whilst you are away.

While standard travel insurance varies from provider to provider, you’ll usually find that it will include the same type of things. Therefore, you should expect the following as a minimum for specialist medical travel insurance: 

  • Emergency Medical Expenses and Repatriation - in the event that you end up in hospital, or need to be repatriated back to the UK.
  • Lost, Stolen or Damaged Personal Belongings - to also include atrial fibrillation treatments and medications (i.e. a pacemaker).    
  • Cancellation and Curtailment - in the event of cancelling or cutting your trip short as a result of your condition.
  • Travel Delay - this won’t always be included, check with your provider.
  • Personal Liability - if you cause accidental damage to another person or someone else’s property - cover is provided.

To get started, how about find a few quotes that will suit you best?

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Optional extras

Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.  

This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

Tips for travelling with atrial fibrillation

If you’re travelling abroad with atrial fibrillation, you may wish to bear the following in mind: 

  • Consult your GP beforehand. Your doctor will be able to assess your fitness for travel, review your medication and offer advice. 
  • Choose the right destination. Bear in mind that high temperatures and high altitudes can exacerbate the symptoms of atrial fibrillation. 
  • Make sure you have enough medication. Take a small surplus, if necessary.
  • Wear compression socks while flying. This should lower the risk of blood clots. 

Get quotes from specialist atrial fibrillation travel insurance providers

We work with over 30 travel insurance providers who all specialise in medical travel insurance for pre-existing medical conditions.

That means you have plenty of choice across a range of policies when comparing cover for atrial fibrillation travel insurance.

Get a quote

Frequently Asked Questions

We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.

This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.

For more information, we recommend reading our full guide here.

If the FCDO are advising against all, or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.

You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.

For more information, we recommend reading our full guide here.

Yes, we make it easy to compare specialist travel insurance for pre-existing medical conditions - including cover for heart conditions like atrial fibrillation. Get a quote.

Comparing competitive quotes for atrial fibrillation travel insurance makes it possible to find a suitable policy without costing the earth. So why not get a quote and explore a range of offers from different providers. 

Declaring any pre-existing conditions in relation to the heart is important - as it enables insurance providers to offer you the right type of insurance to cover you should anything happen as a result of your condition while abroad. Most travel insurance providers will need to know if you've ever had any diagnosed heart-related health conditions.

No, we are unable to provide cover with any of your pre-existing medical conditions excluded.

Provided you have the right cover, you can claim against any expenses you incur following a medical emergency in a country whilst on holiday.

* Price is based on 1 traveller aged 61, who has declared atrial fibrillation and is travelling to Spain for 7 nights. Price is correct as of December 2019. Prices may vary according to your individual requirements.


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Don't just take our word for it...

If we're unable to help you find cover for a pre-existing medical condition, the Money and Pensions Service (MaPs) have launched a new directory listing companies that may be able to assist you. You can find out more information on their website.