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.

Compare atrial fibrillation travel insurance

Now you’ve decided on a destination – your next step is to make sure you have the right travel insurance. Having atrial fibrillation travel insurance from a specialist provider will give you the specific cover you need for your pre-existing heart condition.

With the right travel insurance policy, you can enjoy your time away knowing that you can access treatment without the worry of a medical bill should you need emergency care for your heart condition.

What is atrial fibrillation?

Atrial Fibrillation is a heart condition characterised by an irregular heartbeat, sometimes known as arrythmia.  The electric signals that cause the heart to pump regularly are interrupted causing it to beat in a disorganised or erratic pattern. This pattern is commonly referred to as heart palpitations.

An irregular heartbeat affects how the heart works, reducing its performance and how efficiently it pumps blood around the body. Although atrial fibrillation isn’t life threatening, it can lead to other problems such as low blood pressure (hypotension) and heart failure – which will require medication, treatment, or potentially surgery.

You can find out more about related heart conditions and finding the right kind of travel insurance here.

What are the symptoms of atrial fibrillation?

People with atrial fibrillation can present with a variety of symptoms, although it can sometimes go unnoticed by the individual and is often detected through medical tests like an ECG.

Individuals with atrial fibrillation may detect heart palpitations, feeling like their heart is fluttering or racing for short periods of time several times a day. This sensation can be distressing but it isn’t life threatening.

If you’re living with atrial fibrillation you may feel tired more often and generally lethargic throughout the day as your heart works harder, needing time to rest or take a nap. You may also feel breathless or lightheaded from time to time or you may experience chest pain if your symptoms worsen over time.  

What causes atrial fibrillation?

Atrial Fibrillation is a common heart condition, and is more common in older generations, with around 10% of over 65s living with a diagnosis. It often presents alongside other heart problems or medical conditions like diabetes. Atrial fibrillation that occurs without any other condition is termed lone atrial fibrillation, which is typically seen in a younger demographic.

Diet and lifestyle factors can heavily influence the cause of atrial fibrillation. Drinking alcohol excessively and smoking too much are key contributors to heart disease, as well as being overweight. These behaviours can affect how the heart functions, leading to episodes of atrial fibrillation.

Treatment for atrial fibrillation

The symptoms of atrial fibrillation can be problematic for the sufferer, but there are a variety of ways to treat the condition.

If you have atrial fibrillation, your doctor may prescribe anti-arrhythmic medications to help bring your heart rate under control. Another option is an electric shock treatment known as cardioversion which helps to restore a normal heart rhythm.

Your doctor may also recommend you take medication to treat any other related conditions to help regulate blood pressure or reduce the risk of stroke. Surgical intervention for atrial fibrillation may include fitting a catheter ablation into heart vessels to correct an abnormal heart rhythm or fitting a pacemaker to stimulate the heart into beating regularly.

What does atrial fibrillation travel insurance cover?

Finding adequate travel insurance cover for a heart condition can feel difficult once you’ve had the all clear from your doctor. Medical Travel Compared make it easier to find a selection of quotes from a range of specialist insurers once you declare a pre-existing medical condition like atrial fibrillation.  

Even if you feel your condition is well managed, it’s best to be prepared for any eventuality when you travel.

Standard travel insurance policy usually covers travellers for:

  • Cancellation
  • Curtailment
  • Lost/stolen personal belongings
  • Personal accident
  • Emergency medical expenses and repatriation
  • Personal liability
  • Legal expenses
  • Travel delay

Reviewing your medical history and any related surgery into consideration, we’ll find you quotes for suitable policies.

They’ll cover you for emergency treatment specific to your condition and repatriation fees to get you home if your departure has been delayed as a result of your condition.  

Atrial fibrillation management abroad

If you’re travelling abroad with atrial fibrillation, here are things you can do to help manage your symptoms:

  • Start by speaking to your GP before your book your trip. Your GP will be able to declare you fit for travel, review your medication, and offer advice.
  • When planning your trip, high temperatures and high altitude can exacerbate symptoms of atrial fibrillation. Pick a location with a moderately warm climate, or lots of air-conditioned spaces, and avoid climbing or hiking trips. If you’ve got a spa break in mind, ensure it stays a relaxing one by giving hot saunas and jacuzzies a miss too.
  • Make sure you’re stocked up on medication, with any doctor’s letters to hand if you need to carry them in your hand luggage. Take a small surplus of medication with you to account for any potential delays or loss, and be mindful of the timings of your medication if you’re travelling over time zones.
  • It’s always a good idea to stay hydrated, but for people with atrial fibrillation keeping water levels topped up can help keep atrial fibrillation symptoms under control.
  • If you’re flying to your destination and you have a pacemaker fitted, be aware it could set metal detectors off as you pass through security, so have the appropriate documents ready.
  • Most people take a holiday for some rest, and here’s your chance to get plenty of sleep to manage your atrial fibrillation symptoms. Avoid over exerting yourself by taking regular breaks when walking around too.
  • Drinking too much alcohol or caffeine and eating too much can lead to a worsening of atrial fibrillation symptoms. Watch what you eat and swap your beach cocktails for the virgin variety.

The AF Association also has some helpful tips on travelling with atrial fibrillation to help you plan ahead.

Compare quotes for atrial fibrillation travel insurance

Recommended by over 93% of our previous customers and with access to over forty trusted UK insurance companies, get quotes from for travel insurance policies specially tailored for your pre-existing condition.

Asking only the most relevant questions, simply fill in details about your medical condition through our online medical screen. We’ll then get to work finding a great choice of atrial fibrillation travel insurance quotes for you to compare from our panel of insurers.

Frequently Asked Questions

Yes, you will need to declare if you, or any traveller, have ever had any diagnosed heart related medical conditions.
It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.
Once you've declared all of your relevant pre-existing medical conditions we'll only show you quotes based on the conditions you have told us about.
No, we are unable to provide cover with any of your pre-existing medical conditions excluded.
It's easy! Enter your details just once and you'll be able to compare quotes from over 40 specialist providers. We'll even e-mail your top quotes to you so you can access them at any time. Once you've found the policy that is right for you, pay securely online and your documents will be sent to you directly from your insurance provider.

* 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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