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.

Originally posted: 1st Sep 2022

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 and paroxysmal 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. Click the link below to get started, and make sure you tell us about your diagnosed conditions so we can compare the most relevant quotes.

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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 how you're living with atrial fibrillation.

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, so 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 finding a few quotes that will suit you best?

Egypt Pillars

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 will also increase your peace of mind. It’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

Dr Sarah Jarvis, MBE

Top tips for travelling with a heart condition

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

Around 7.4 million people in the UK are living with conditions that have an impact on their heart and circulation – so-called cardiovascular disease or CVD. They are surprisingly common – in fact, twice as many people are living with CVD than Alzheimer's and cancer combined.

Having a heart condition certainly should not stop you from enjoying a holiday, but you should plan in advance to reduce the risk of running into problems. Here are my top tips for a happy, healthy holiday.

Read more

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 on an insurance policy for atrial fibrillation.

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Frequently Asked Questions

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, including medical bills, 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 France for 7 nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.