Do I need to have had both my Covid jabs to be covered?
As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.
If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.
Do I need to tell you about my heart attack when I buy travel insurance?
You need to let us know if you’ve ever had a heart attack along with any other health conditions, so we can build a level of cover that meets your personal needs.
We understand that you may also have high blood pressure and cholesterol, or perhaps an irregular heartbeat controlled by medication. We like to take things step by step, at a pace that suits you.
We want you to leave risk at home and travel confidently, knowing you are protected by a policy that’s just right for you.
What will you ask me about my heart attack when I get in touch for a quote?
We’ll ask a few questions so we can understand your individual needs and build personalised cover for you.
Don’t worry, we’ll take it step by step and won’t hurry you.
Here are the sort of questions we may ask:
- Have you been advised to take medication for high blood pressure or cholesterol?
- Have you ever had a heart bypass, angioplasty or coronary stent?
- How many heart attacks have you had in total?
- Have you ever been a smoker?
- How long ago was your most recent heart attack?
- Are you waiting to see a specialist about new symptoms? Or awaiting any tests, results or surgery?
- Can you always walk 200 metres on the flat with no chest pain or tightness or breathlessness?
- Have you had any episodes of chest pain since your last heart attack?
What happens if I need emergency treatment when I’m abroad?
You’ll have access to a 24/7 medical emergency helpline so we’re always on hand to support you. We can offer advice, let you know the nearest suitable medical facility and help with translating information to hospital staff.
If you can get the healthcare you need in the country you’re in, we can help with rearranging your flight for when it’s safe for you to travel. We can also arrange emergency transport home if needed.
I’m the only one in my family with a pre-existing health condition. Is it better for us to have travel insurance together or separate policies?
It may seem like a good idea to have individual policies, but there are many advantages to having all your family on one travel insurance policy.
While it may work out cheaper, the greatest benefit is you all being covered if one of you has to cancel due to medical emergency.
So together, you have the assurance of knowing you can claim back the full cost of your holiday in the event of cancellation. With separate policies, this might not be the case.
Is my heart attack covered by my Global Health Insurance Card (GHIC)?
If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.
When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your heart attack during your trip.
Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.
Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.