Travel insurance after a stroke
We all know strokes tend to happen suddenly, and if you have a previous history of strokes or mini strokes (TIA), you will want peace of mind knowing that should you become unwell or face an emergency on holiday, you will be taken care of.
That’s why having a travel insurance policy that includes cover for pre-existing medical conditions is so important – apart from protecting you from financial loss, it allows you to relax and enjoy your holiday!
Can you get travel insurance if you have had a stroke?
Yes, you can get travel insurance after a stroke. Having a stroke should not prevent you from travelling. As such, there are specialist insurers out there who offer travel insurance for stroke survivors or those who have fully recovered from a stroke.
It’s important to declare that you have had a stroke, even if it wasn’t recently, when looking for a policy. That way, you can buy insurance that covers medical issues that may arise during your holiday as a result of you having had a stroke.
Having said that – it is really important before you book a holiday abroad to check with your doctor that it’s OK for you to travel.
Dependent on the severity of your stroke and how recently it happened, they may recommend staying at home until you’re further on in your recovery.
But if you’ve been given the all clear, then you can begin comparing stroke travel insurance quotes today.
What does stroke travel insurance cover?
Cover limits vary from insurer to insurer, but essentially, if you have stroke cover included, you should be able to claim (up to the policy limits) for emergency medical expenses and repatriation, cancellation and curtailment and lost or stolen medication.
If your travel companions are insured on the same policy, they too should be able to claim if your medical conditions cause them any trip complications.
Travel insurance after a mini stroke (TIA)
It is also possible for you to buy travel insurance if you have had a mini stroke, also known as TIA.
TIA’s have similar symptoms to a stroke, but in most cases, they don’t last as long and the recovery period is quicker (typically around 24 hours).
Although not as serious as a stroke, if you have had TIA, you should absolutely purchase travel insurance that covers this particular condition.
If you don’t, then any problems caused or lasting symptoms from the TIA whilst you’re on holiday may not be covered by your policy – and you could be left out of pocket should you have to seek medical help on your trip.
Again, it’s important to declare the fact that you’ve had a TIA on insurance forms to make sure you’re fully covered.
Cost of travel insurance after a stroke
The effects of a stroke can be different for each individual, with some making a full recovery and others having longer lasting symptoms.
This is why the cost of travel insurance for people who have had a stroke varies. It tends to be easier to get accepted for cover 3 months after a stroke, and the more stable your condition, the lower the premium.
Of course, there are other factors that contribute to the premium calculation such as age and travel destination. If you’re awaiting surgery you may find insurers reluctant to offer cover until the procedure is complete.
Why use a travel insurance comparison service?
Being a stroke survivor means travel insurance is likely to cost more than it did it the past.
Comparing quotes is the best way to ensure you get the best deal, and using a specialist comparison website like Medical Travel Compared, saves you the hassle of ringing around for quotes and having to answer questions about your health over and over again!
Stroke travel tips
Flying itself should be ok. The general guidance is to wait until 10 days after a TIA, and 21 days after a stroke before getting on a plane.
A few other tips:
- If you are feeling nervous, speak to the airline your travelling with to see what assistance they can offer
- Book seats with extra legroom (if you can)
- Check-in early online to avoid long queues at the airport
- Always carry any medication you need in your hand luggage
Often stroke and mini strokes can be related to other medical conditions, such as an irregular heartbeat or thrombosis, and it’s likely that you will be prescribed medications to keep your blood thin.
Sometimes blood pressure and cholesterol tablets may be recommended by your doctor to prevent future strokes.
It’s important to declare all diagnosed medical conditions, including those that may have caused the stroke, so that you can find a policy that will cover you properly.
If you would like information about travelling after a stroke click here for more information.
Frequently Asked Questions
A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!
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.
Some travel providers may be able to provide some cover, but the value might not be enough to cover the cost of your item - it's always best to check your policy wording, it will usually be found in the baggage or personal belongings section. You may also like to check your home insurance policy - this can sometimes allow cover for your mobility aid whilst away from home but may be limited to within the UK. If your mobility aid cannot be covered in either of these ways, you may like to consider taking out specialist insurance.
Nearly all insurance policies will come with cancellation cover included. Cancellation cover will start as soon as you buy your single trip policy, or your policy start date for an annual trip (so you may want to start this cover as soon as possible). Cancellation cover will help you with the cost of your trip, including flights, accommodation and, in some cases pre-paid excursions. The cover limits will be the amount per person.
*Price is based on 1 traveller aged 61, who has declared a stroke 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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