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Heart Attack Travel Insurance

Getting the right cover to travel after a heart attack

Having a heart attack should not stop you from being able to travel as you wish if you buy good travel insurance.

Winner of 21st Annual Personal Finance Award for Best Travel insurance for 2018/19

Perhaps you are recovering from a recent heart attack and think that a holiday would do you the world of good.

We consider all medical conditions in our travel insurance, so you’re in the right place for getting great cover for your needs and peace of mind for when you travel.

Let’s get your travel insurance for heart attacks sorted! You can get a quote online or call us for free on 0800 888 6195.

Do I need to declare my heart attack when getting travel insurance?

Yes, it is essential for you to declare a heart attack, along with any other pre-existing medical conditions you have, when getting travel insurance.

If you do not tell us about your medical conditions, we will be unable to cover you if you did make a claim for any treatment you received that’s related to these conditions during your holiday.

As expert providers of travel insurance for pre-existing medical conditions, we appreciate that you may have other medical conditions such as high blood pressure and cholesterol. Or maybe you have an irregular heartbeat and have this under control with medication. This is why we have a medical screening process, so you can tell us about your medical conditions and how they affect your daily activities. By giving us as much detail about your medical conditions we can then build cover that suits your individual needs.

We want you to be able to travel stress-free knowing that you are covered for your heart attack. We respect your confidentiality and will only use the information you give us to make sure that your cover is right for you.

I’ve recently had a heart attack; how long do I need to wait before travelling?

If you have recently had a heart attack you will need to speak with your doctor to see whether they advise for you to travel. According to the NHS, the time to wait before travelling after having a heart attack depends on how likely you are to have another one, so checking this with your doctor is essential.

Once your doctor is happy that you are safe to travel then we may be able to provide you with cover for your heart attack.

Travelling after having a heart attack

We understand that thinking about travelling after a heart attack might seem daunting, especially if you are travelling to a country that you’ve not been to before. There are a few things you can do to allow for a safe and comfortable journey.

Consider your condition when you are booking your holiday and where you choose to stay, make sure that you are close to amenities to make your stay more convenient. The climate of where you travel to is also an important consideration as extreme temperatures can put an added strain on your heart.

If you are travelling abroad, you should get a letter from your doctor that specifies the treatment and procedures that you have had along with the name and the dosage of the medication that you will be travelling with. It is best to take more medication with you than you would normally need just in case there are any delays to your journey or if you lose any.

What happens if I need treatment when I am abroad?

We hope that you won’t need to have any emergency treatment when you are on holiday, but if it does happen, try not to panic.

We have a 24-hour medical emergency helpline that you can call and speak to one of our team who can give you some peace of mind at your time of need. We can help with translating medical information to any hospital staff if needed, as well as offering advice on what you need to do next.

It might be that we can arrange for emergency transport home if needed, or, if they are able to provide you with healthcare in your destination country, we can help with rearranging your return flight when you are safe to travel.

We know that being in hospital is the last thing that you want on your holiday, so we will be on hand to support you, so you can focus on your recovery.

Is my heart attack covered by my European Health Insurance Card (EHIC)?

If you are planning a holiday to Europe, you will need to get an EHIC card as a condition of our travel insurance.

The EHIC is free and entitles you to free healthcare in most European countries when you use their state provided healthcare. Before you travel, it’s best to check that your destination is covered by EHIC, so that you can be prepared if you do need treatment for any of your medical conditions when you travel.

Your EHIC is not the same as having good travel insurance for your medical conditions and won’t cover you for things that go wrong, such as emergency transportation home. That’s where your travel insurance with pre-existing medical cover comes in. What your EHIC can do is reduce your medical costs where subsidised healthcare is available.

If you can use your EHIC to receive treatment and you have had to pay a subsidised fee for your healthcare abroad, we will remove the excess fee for your medical emergency claims.

Should my family be on the same policy as me if we are travelling together, even if they don’t have medical conditions?

As well as sometimes being cheaper to buy policies together as a family, there are some lesser known, but important, benefits of buying together.

The biggest benefit of buying together is knowing that you should all be covered for having to cancel if any of you have a medical emergency, such as a heart attack, as long as it’s within policy limits.

If you’d bought separate policies, then any other traveller is unlikely to be covered for having to cancel the holiday due to your medical emergency.

So getting cover together on the same policy gives you added protection and peace of mind.

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Annual Multi-Trip travel insurance

If you are planning on travelling more than once this year, taking out an annual travel policy with us may work out more cost-effective.

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Single trip travel insurance

Wherever you intend to travel in the world, single trips of up to 550 days can be insured, giving you and your family peace of mind.

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Cruise travel insurance

Our cruise insurance provides cover for cabin confinement, missed port and more, so you can set sail with confidence.

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Why choose Avanti?

Choosing Avanti to cover your heart condition can give you the following benefits:

✔ All medical conditions considered
✔ 24-hour medical emergency helpline
✔ UK based Contact Centres
✔ Easy online quote process
✔ Rated as Excellent on Trustpilot*
✔ Winner of Personal Finance’s Best Travel Insurance Award for 2018/19

Benefits of Avanti Travel Insurance

  • No upper age limit on Single Trip and Annual policies
  • Unlimited medical expenses on Deluxe policies
  • Cancellation cover of up to £7,500 (£10,000 cruise cancellation cover)
  • Up to £1,000 Hospital Daily Benefit on Classic and Deluxe cover
  • Personal liability of up to £2,000,000
  • Personal belongings cover of up to £3,000
  • Up to 17 days winter sports cover included on Annual Multi-trips, up to the age of 70**
  • Exclusive policy for cruises with a host of additional benefits available
  • Optional Gadget cover of up to £1,000 also available

Types of travel insurance cover we offer

Now that you know where to get cover for your pre-existing medical conditions from it’s a good time to think about what else you want to be covered for in your policy.

You can choose a policy that covers holidays on land, or we also have cover designed exclusively for cruises. From there you can then choose whether you need cover for a single trip or annual cover, so you can plan more holidays knowing you’ve got your travel insurance sorted.

We also offer cover for gadgets, as well as for activities that you want to do during your holiday, such as golf, for an additional premium. You can find out more about the activities we can cover by visiting our activities page or speaking with one of our team for free on 0800 888 6195.

What types of questions will I be asked about my heart attack?

So we can give you the fairest cover that meets your individual needs, we will need to ask you some of the following questions about the nature of your heart attack:

  • At any time before your most recent heart procedure have you suffered a heart attack?
  • Have you ever had any symptoms of angina (e.g. chest pain, chest tightness) since your last procedure?
  • Have you had a heart attack at any time after your most recent heart procedure?
  • Have you been advised to take medication for high blood pressure?
  • Have you ever had a heart bypass, an angioplasty or a coronary stent?
  • Have you ever been a smoker?
  • How many (if any) heart attacks have you had?

If you’re ready to answer these questions and get a travel insurance quote that covers your heart condition, you can get a quote online or call us for free on 0800 888 6195.

I’ve already purchased heart attack cover; do I need to keep you updated if my medical conditions change?

Yes, it is essential for you to keep us updated if there are any changes to your medical conditions. Changes to the medication used to control your condition might seem like a minor thing but it’s something that we will need to know and include within your cover.

You will need to let us know about any new conditions before you travel on your policy in order to be fully covered for them.

You can update the medical conditions on your policy by speaking to our Customer Services Team, who will be happy to help you. Update your policy today by calling 0808 281 0389.

*Based on over 6,000 reviews on independent review site Trustpilot. Data accurate as of November 2018.
**Medical restrictions apply

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Essentials, Classic and Deluxe Policy wording document

Cruise Policy wording document