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

Travel insurance for people with heart conditions

We understand how difficult it can be to find competitive travel insurance when you have a heart condition - so we’re making it easier for you!

With Medical Travel Compared, you can compare fast quotes for specialist travel insurance for pre-existing heart conditions in a matter of minutes.

Compare heart condition insurance policies across over 30 well-known and reliable insurance providers to find excellent cover at an amazing value. You’ll find suitable travel insurance for someone with a heart condition in no time - meaning you can get back to planning your holiday!

There are a number of things to consider when travelling with a heart condition, so it’s important to ensure you have the right travel insurance to give you the peace of mind you need to enjoy your holiday.

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Do I need to declare my heart condition for holiday insurance?

It’s important to declare any heart conditions in order to compare quotes for the specialist cover you need.

This applies if:

  • You’ve recently been diagnosed and are receiving treatment for a heart condition
  • You’ve EVER been diagnosed with a heart condition in the past
  • You’ve had a heart attack - but since made a full recovery

Getting a quote with us is easy and quick. 

During the process, it’s likely that you will need to answer some questions based on the specific nature of your condition.

The answers you provide enable us to gather more of an understanding of your medical history. This helps us to provide you with quotes from a range of different providers that you can compare.

What heart conditions can be covered with my travel insurance?

When it comes to heart-related conditions, there are many different types, and you may be wondering if yours will be covered.

The good news is that we can help you find cover for a variety of different heart conditions including: 

You can even get travel insurance after a heart attack or travel insurance for heart failure for a lower price than you might imagine, and travelling after a heart event doesn’t need to be off-limits with the right cover and considerations.

Dr Sarah Jarvis, MBE

Top tips for travelling if you've had a heart attack

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

Having a heart attack is understandably a scary experience but advances in treatment mean that survival rates have never been better. Having a heart attack certainly shouldn't stop you from enjoying holidays in the future, but you do need to take extra precautions.

  1. You need to declare any heart condition to your travel insurance company before you book if you've ever been diagnosed with a heart condition, including a heart attack, even if you've made a full recovery. If you don't declare this, it could invalidate your travel insurance.
  2. How soon you can fly after you've had a heart attack depends on your risk of another heart attack – never fly unless you've been advised by your medical team that it’s safe to do so.
  3. If you're at very low risk of a second heart attack, you may be able to fly in as little as three days after your heart attack, according to the NHS. However, this is unusual: you'd usually need to be under 65 years old, have no complications, have no history of a heart attack in the past and have no further treatment planned.
  4. If you're over 65 or have had a heart attack in the past, your doctor may advise you can fly 7 - 10 days after, so as long as you don't have any symptoms or complications and no more treatment is planned. As before, always check with your medical team that it's safe for you to fly.
  5. If you've had a heart attack, you should not drive for at least four weeks: this may be longer if you haven't made a full recovery. If you're planning to hire a car while abroad, check the regulations in the country you're travelling to before you get behind the wheel.
  6. Many people with heart attacks have high blood pressure. This shouldn't stop you from flying as long as your blood pressure is controlled.
  7. If you've had a heart attack, you'll almost certainly be taking several medications to reduce your risks – including medicine to lower your blood pressure and cholesterol and prevent your blood from clotting too easily. Order your medication from your GP well in advance, to make sure you have enough for the whole length of your holiday. Ideally, take a few days' extra supply in case of problems or delays while you're abroad.
  8. Carry your medication with you in your hand luggage, along with a copy of your repeat prescription and a letter from your doctor if needed. Check you know the rules about carrying medicines in your hand luggage and taking medication abroad.
  9. Hot weather can put extra strain on your heart. Do make sure you avoid getting dehydrated and over-exposed in the sun. Remember that the sun's rays are usually at their most powerful between 11am and 3pm local time.
  10. If you've had a recent heart attack or heart surgery, avoid destinations at very high altitudes: air is thinner especially at more than 2,000 metres above sea level and this can increase the risk of angina or shortness of breath.
  11. Oxygen levels in aeroplane cabins are a little lower than at home, but if you can walk up a couple of flights of stairs without too much shortness of breath, you shouldn't have problems.
  12. Exercise is actively encouraged for those who have had a heart attack, as it can greatly strengthen your heart and lungs as well as help reduce the risk of another heart attack. However, do avoid strenuous exercise you're not used to, especially in hot weather, while you're on holiday and don't suddenly start doing a lot of exercise if you're not used to it: after a heart attack, you need to build up gradually.
Mountain Stream

What is covered by heart condition travel insurance?

This usually varies from provider to provider. 

Broadly speaking - any given travel insurance policy will include the following: 

  • Cancellation
  • Medical expenses & repatriation
  • Theft/loss of belongings
  • Personal accident

Cover will also depend on the nature of your condition (as per the answers you provide during the medical screening process, see below) and also whether you choose to select any optional extras. 

The level of cover will depend on the type of heart condition you have. Providers will also take into account your medical history.

There are also optional extras you can add to your policy such as gadget cover

And, depending on the type of holiday you’ve booked and activities listed on your itinerary - you might also be interested in cruise holiday cover or even winter sports cover.

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Travel insurance for children with heart conditions

Under 16s with heart conditions can also be covered. 

You just need to declare their pre-existing conditions on their behalf when comparing quotes for travel insurance. 

This applies to single trip and annual trip policies - as well as family and group travel insurance policies.

Compare quotes from specialist heart condition insurance providers

Using our online quote comparison tool couldn’t be easier. The process literally takes minutes - so you can get back to the more exciting part of planning your holiday before you know it!

First of all, we need to know a few personal details about you and your trip. Then you can select the type of cover you need - whether that's single trip cover or an annual multi-trip policy (don’t forget to add optional extras if you need them!).

Then, you can declare your heart condition(s) including details on whether you have a pacemaker before comparing quotes. It’s as straightforward as that.

And, because we work with over 30 specialist medical travel insurance providers, you won’t struggle for choice!

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Frequently Asked Questions

Yes, you will need to declare if you, or any traveller, have ever had any diagnosed heart related medical conditions.

It is 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.
You should tell us about the medical condition that required the procedure/operation. We will then ask about any treatments in the follow-up questions if this information is necessary.

* 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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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 Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.

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