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When you've had a heart attack, finding travel insurance might feel a little harder than it used to. By using PayingTooMuch to compare travel insurance, you can feel confident that you could find the best cover for your needs at an affordable price.
No matter how long ago you've had your heart attack, you'll always need to declare and cover it on your travel insurance. Else you might not be protected if you need to make a claim that could have been related to your heart attack.
The cost of travel insurance depends on you and your trip. Here are some things that can affect the price:
If you have a pre-existing medical condition, you might need a higher level of cover because you’re more likely to make a claim.
If you’re going to a country with more expensive healthcare or where natural disasters are more likely to impact your trip, your cover might cost more.
Some activities, like winter sports, can be risky. You’ll need extra cover if you want to enjoy them and feel reassured.
If you’re going on a longer trip, the price will go up.
The higher level of cover, the more it’ll cost.
The older you are, the higher the chance of getting sick or hurt either before or during your trip.
If you’ve had a heart attack, you could still get reliable travel insurance. A standard policy usually includes cover for:
Travel insurance doesn’t cover you for everything. Typical exclusions might be:
When you start a quote, you’ll be asked some important questions about your health. Answer them honestly and accurately to help us find the best cover for you. This might include:
Have your medical documents at hand to make answering questions about your heart attack easier. Questions will vary.
It depends on how stable your condition is, so it’s best to check with your GP that you are fit to travel.
If you’re flying, The UK Civil Aviation Authority (CAA) suggests that people who are at low risk of another heart attack and have no other complications, can fly seven to 10 days after an episode. But it’s important to check airline restrictions to make sure you can carry essential medicine with you, if you need it.
A GHIC (previously known as EHIC) card helps to reduce the cost of medical care in most EU countries. Some travel insurance policies will ask you to take a valid GHIC/EHIC card before you go on holiday, for extra protection. This can waiver any excess you might have to pay if you need urgent medical treatment.
Find out more in our guide on the importance of GHIC/EHIC cards.
Most of our policies don’t have an upper age limit, and we’ll only show you cover that suits your needs.
PayingTooMuch specialises in cover for people over 50s, 60s, 70s and over 80s and those with pre-existing medical conditions. So you can compare quotes to find the best medical travel insurance for you, whatever your age.
Cruises are a great way to explore new countries, and even if you’ve had a heart attack in the past, you could still add cruise cover to your travel policy.
With the right cover, you’ll be protected for:
- Emergency medical treatment
- Getting you back home
- Cancellations and cutting your trip short
You could also get cover for cruise-specific claims such as cabin confinement, missed ports and unused excursions if you’re unwell.
Most cruise operators need you to have a certain level of medical cover before you can board. So it’s a good idea to check this out before you take out a policy, to make sure you’re fully covered.
You could still get holiday cover if you’ve had an angioplasty procedure or had a heart stent fitted.
Make sure you tell us about your heart condition when you are getting a quote, as well as recent treatments. This way, you can get the cover you need. If you don’t and you need to make a claim, it could be rejected.