Austin Willett
Author: Austin Willett, CEO of Different Strokes at differentstrokes.co.uk
Originally posted: 19th Dec 2019

Can you get travel insurance if you have had a stroke or TIA?

Having a stroke should not prevent you from travelling abroad.

And, since there are more than 1.2 million stroke survivors in the UK, it’s a good job that there are plenty of specialist medical travel insurance providers who can cover people who have had a stroke or TIA (mini-stroke) in the past. 

If you’ve had a stroke in the past, this type of cover provides you peace of mind - knowing that should you become unwell or face an emergency on holiday, you’ll be taken care of.

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Declaring your condition

Even if you had a stroke a long time ago - it’s still important to declare it with us when comparing travel insurance. 

Once you do, it’s likely that you might be asked a few questions, such as: 

  • How many strokes have you had?
  • How long ago was your last stroke? 
  • Are you awaiting surgery for this condition or for any scans?
  • Do you currently use any mobility aids? 
  • Have you had any transient ischaemic attacks (TIA) since your last stroke? 

The answers you provide help insurance providers to determine the more specific nature of your condition, while getting a clearer insight into your medical background. 

This helps them to offer you the appropriate cover when you start comparing quotes.

What does stroke travel insurance typically cover?

You can expect this type of cover to include the same things that a standard travel insurance policy would include - but you can also claim for stroke-related medical issues (whereas you otherwise wouldn’t be able to). 

This will normally include:  

  • Lost, Stolen or Damaged Personal Belongings - including any medication you need to treat your condition.  
  • Emergency Medical Expenses and Repatriation - specifically including any stroke-related medical expenses incurred. 
  • Cancellation and Curtailment - if you suddenly decide to cancel your trip, or end up cutting it short.
  • 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.

You can compare this type of cover across a range of leading providers, click below to get started.

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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 after a stroke or TIA

Flying shouldn’t be a problem - although the general guidance is to wait 10 days after a TIA and 21 days after a stroke before getting on a plane. 

Some more helpful tips are;

  • If you’re nervous or anxious before flying, speak to the airline you’re 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.

Get cheap quotes from specialist stroke travel insurance providers

Comparing quotes will make it much easier to find the right travel insurance policy to cover your pre-existing medical conditions. 

We work with plenty of specialist providers, and once you tell us about your trip and medical condition(s) you’ll be able to compare competitive quotes, all in one place - saving you money and precious holiday-planning time.

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Frequently Asked Questions

With us you can compare specialist stroke travel insurance across a range of providers. Get a quote today and start comparing competitive cover before you embark on your trip.

Premiums vary depending on the nature of your condition - but it’s still possible to compare competitive quotes with us, and find a suitable policy for a reasonable cost. Get a quote.

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.  Get a quote.

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

*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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