Getting the right cover to travel after having a stroke or transient ischaemic attack
Having a stroke, or a history of them, shouldn’t be a barrier to being able to travel and enjoy holidays with good travel insurance. In fact, taking a relaxing holiday after recently having a stroke could be exactly what you need to boost your recovery.
We know that strokes and transient ischaemic attacks (TIAs) can affect people differently depending upon their severity. It might be that you had a stroke in last two years and want to build up your physical fitness in a warmer climate, or maybe you’ve recently had a TIA and want a relaxing holiday to unwind and recharge.
Get your stroke travel insurance quote online or call us for free on 0800 888 6195.
Do I need to declare having a stroke to get cover?
Yes, it is essential for you to tell us about any strokes or transient ischaemic attacks that you’ve had so we can consider these in your cover. We will need to ask you about the severity of any strokes that you’ve had and check whether you are waiting for further investigations.
We want you to be able to enjoy travelling in comfort and confidence, knowing that you are covered for strokes and any other medical conditions that you might have.
If you didn’t declare a stroke or TIA in your policy and you needed to claim for treatment for this or a related condition during your holiday, we would not be able to cover you for any claims.
By giving us as much information as possible about your medical conditions we can make sure that any cover we can offer you is fair and meets your individual needs.
Travelling after having a stroke or transient ischaemic attack
We understand that travelling after having a stroke might be something that worries you, especially if you are still recovering. Perhaps a family member has recently had a stroke and you want to make sure they can still enjoy travelling. Either way there are a few simple precautions that can be taken that will help you to travel and enjoy holidays in comfort.
As an expert provider of travel insurance for pre-existing medical conditions, we know that stroke patients are advised not to fly within two weeks of having a stroke. It’s important for you to get the go-ahead from your doctor before you travel and make sure that you have travel insurance that covers all of your pre-existing medical conditions.
We are unable to provide you with travel insurance until your doctor has advised that you are fit and safe to travel.
If your mobility has been affected since having a stroke you should contact your airline and travel provider to make the appropriate arrangements, such as having additional leg room or more support, so you can travel in comfort.
If you are travelling on a long-haul flight there are simple exercises that you can do to avoid deep vein thrombosis (DVT), which is caused by long periods of inactivity. Make sure that you regularly get up and stretch out your legs if possible so you remove the risk of getting DVT. Wearing elastic compression stockings can also help prevent DVT, so it may be worth investing in some of these if you haven’t already. Keeping hydrated is also important for reducing the risk of DVT, so make sure you drink plenty of water throughout your flight.
Get a quote for travel insurance that covers strokes online, or call our Contact Centre for free on 0800 888 6195.
I’m waiting for surgery and investigations after having a stroke, can I still get travel insurance?
Before we provide people with travel insurance for pre-existing medical conditions we have to check whether you are fit and able to travel.
In order to be eligible for any cover we provide, you will need to be signed off by a doctor from treatment unless agreed by us in writing and not be travelling against their advice, as this could potentially risk your health and recovery.
If you’ve recently had a stroke and are waiting for surgery, we might be able to provide some cover for unrelated conditions but not the one you’re waiting for surgery for or any other pre-existing conditions.
If you are still unsure of whether you can get travel insurance, you can speak to one of our Customer Service Team for free by calling 0800 888 6195.
Are strokes and transient ischaemic attacks covered by my European Health Insurance Card (EHIC)?
If you are planning a holiday or trip to Europe, you will need to get an EHIC. This is 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 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.
I’m the only person in my family that’s had a stroke, should we be on the same policy if we are travelling together?
If you are the only member of your family that has had a stroke, you might think that it’s best to get a separate policy to your family, especially if your family have no pre-existing medical conditions. However, buying a travel insurance policy together as a family can offer additional benefits.
Having all of the family on one policy gives you more added protection than you would have on separate policies. If you needed to cancel your holiday due to a medical emergency, having one policy with all of the family on would mean that you should all be able to claim back the full amount you paid. Whereas if you took out separate policies it’s likely that only the person that’s having the medical emergency would be able to claim back the full amount that they paid and not everyone that’s booked on the holiday.
So buying insurance together will give you added protection and peace of mind in case you do need to change your plans due to a medical emergency.
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.Find out more
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.Find out more
Why choose Avanti?
Choosing Avanti for your Stroke Travel Insurance can offer 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 the Personal Finance 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
- Up to £1,000 Hospital Daily Benefit
- Personal liability of up to £2,000,000 on all cover
- Cancellation cover of up to £7,500 (£10,000 cruise cancellation cover)
- 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 on all policies
What is Hospital Daily Benefit?
We know that spending time in hospital is the last thing you want to be doing when you’re on holiday.
To relieve some of the stress from your medical emergency, if you have Classic or Deluxe cover with us we can pay up to £1,000 Hospital Daily Benefit if you are in a state recognised hospital for more than 24 continuous hours.
So if you do get admitted to hospital during your holiday and have our Classic or Deluxe cover you can be reassured that we can cover the additional costs from your hospital stay.
Types of travel insurance cover we offer
We offer two types of policy, one for holidays on land and one exclusively for cruises.
Once you’ve chosen the policy that suits your holiday you can then choose the length of cover that you’d like, it might be just for a single trip or perhaps you’ve got multiple trips planned throughout the year.
It’s also worth considering what you want to be covered for in your policy, other than your medical conditions. Think about the cost of your holiday per person and how much you’d need to be covered for if you needed to claim back the full cost of your holiday due to a medical emergency.
For more information about the standard and additional cover options we can give on our policies, please see our policy documents.
What types of questions will I be asked about my stroke/ transient ischaemic attack?
So we can provide you with cover that meets your individual needs, we will need to ask you about the nature of any strokes or transient ischaemic attacks you may have had, such as:
- How many strokes have you had in total?
- How long ago was your last stroke?
- Are you waiting for any surgery for this condition and/ or for any scans to be performed?
- Do you currently use any mobility aids?
- Have you had any transient ischaemic attacks (mini-strokes) since your last stroke?
- How many strokes have you had in the last six months?
- Do you suffer from an irregular heartbeat (atrial fibrillation)?
- Are you on medication to thin your blood?
- Have you ever been a smoker?
- Have you ever had a stroke (or a mini-stroke) which caused symptoms for more than 24 hours?
- How many transient ischaemic attacks have you had in the last six months?
- How many transient ischaemic attacks (if any) have you had in total?
If you are ready to answer these questions about any strokes that you may have had then you can get a quote online or call us for free on 0800 888 6195.
If you are calling on behalf of a family member who has recently had a stroke it is best to do this in their company so we can ask them any questions about their condition if we need to.
I’ve already purchased travel insurance for my stroke; do I need to keep you updated if my medical conditions change?
Yes, it is essential for you to keep us updated if your medical conditions change, or if you are diagnosed with a new condition so we can include this in your cover too.
You will need to let us know about any new conditions, or if you’ve had a recent stroke or TIA since taking out your policy, before you travel.
You can update your medical conditions on your policy by speaking to our Customer Services Team, who will be happy to help you.
Update your cover today by calling 0808 281 0389.
*Based on over 6,000 reviews on independent review site Trustpilot. Data accurate as of November 2018.
**Medical conditions apply