Can you get travel insurance if you have atrial fibrillation?
It’s possible to get travel insurance for atrial fibrillation (AFib). However, you will probably need to use a medical specialist like JustCover. If you have AFib or another heart condition, we can help, even if you have a pacemaker. We can consider more than 1,300 pre-existing medical conditions.
Travel insurance for AFib includes:
- Protection for emergency medical expenses, including those linked to your condition.
- Cover if you have to be flown home or taken elsewhere for treatment after a medical emergency.
- Up to €10,000² protection for unexpected cancellation. Including if you have to cancel due to complications with atrial fibrillation.
- Help if your prescription medication is damaged, lost or stolen.
- Access to our 24/7 emergency medical helpline team. There when you need them.
- Plus, cover for personal liability, legal protection, your bags being stolen, and more.
Why do you need travel insurance if you have atrial fibrillation?
Travel knowing you're covered. It's that simple. Travel insurance for AFib means you won’t face costs of thousands of euros yourself if something goes wrong:
- The HSE says: “Atrial fibrillation is the most common heart rhythm disturbance in Ireland.” While the Irish Heart Foundation claims, “1 in 4 people over the age of 50 are at risk of developing atrial fibrillation.” If you’re one of the thousands of people in Ireland who live with AFib, you could face complications on holiday.
- According to the Irish Heart Foundation, vigorous activities, dehydration and more can impact your heart condition on holiday. AFib Matters advises: “Comfortable travel is recommended and ideally avoid extreme temperatures (heat and cold) and high altitudes.”
- If you face issues on holiday, it’s important to be covered by travel insurance for atrial fibrillation. However, the Irish Heart Foundation warns: “Travel insurance for people with pre-existing conditions is more complicated”. Standard providers may turn you down. At JustCover, we can help as medical specialists. Declare your conditions, answer our simple medical questionnaire and then you’ll get your quote.
Are all types of atrial fibrillation covered?
Yes, at JustCover we can consider all types of atrial fibrillation. The types of AFib we can consider include:
- Paroxysmal atrial fibrillation: Where your episodes come and go. Normally stopping within 2 days.
- Persistent atrial fibrillation: Episodes of 7 days or longer.
- Long-standing persistent atrial fibrillation: When you’ve had the condition for longer than a year.
- Permanent atrial fibrillation: You’re always experiencing symptoms.
- Non-valvular atrial fibrillation: When you have the condition, but it’s not caused by a heart valve issue.
If you can’t see the type of atrial fibrillation you have, don’t worry. We could still help. Give our team a call to find out.
We can also help if you have other pre-existing conditions common with AFib. These include high blood pressure, heart disease and diabetes.
What does JustCover’s atrial fibrillation travel insurance cover?
From cover for your medication if it’s stolen, to being flown back home after a medical emergency. Travel insurance for atrial fibrillation means you can go away knowing you’re protected.
It’s important to always read our travel insurance for AFib Policy Wording. This is where you’ll find full terms and conditions and any exclusions.
What's covered
Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures necessary to treat an illness or injury while abroad. You’ll also be covered for repatriation, making sure you return safely to Ireland.
Cancellation – Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
Curtailment – Cover if you need to return home early following an emergency.
Travel delays – If your flight is delayed, we’ll compensate you for the time.
Personal belongings – You’ll be covered if your baggage or its contents are lost or stolen.
Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
Legal protection cover – Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were away on holiday.
What's not covered
Claims below the value of the excess – This is dependent on your policy level.
Trips outside the region of cover – If you go somewhere not covered in your policy documents
Known events or circumstances – Claims related to problems that you knew about before booking the trip or buying the travel insurance are not covered.
Medical conditions you don’t declare – You need to declare all of your pre-existing medical conditions.
Choosing not to travel – We know that sometimes plans change, but you’re only covered for cancellation where the reason falls within the policy terms and conditions.
Travelling against medical or government advice – We can’t cover you if you’ve been told not to go by a doctor or your medical team, or if you’re going away for treatment. We also can’t offer you a policy if the Department of Foreign Affairs has advised against all or all but essential travel to a destination.
Do you need to declare atrial fibrillation on travel insurance?
It’s important that you let us know about any pre-existing medical conditions and complete our medical questionnaire accurately. That includes atrial fibrillation. If any details are missing or incorrect, it could affect your cover or any future claims.
A pre-existing medical condition is any condition covered by our medical warranty. Please tell us if you or anyone else named on this policy has:
- Taken prescribed medication, or received medical treatment or advice (in person or remotely) from a hospital, clinic, or GP in the last two years, or received or been offered palliative care;
- Been placed on a waiting list for treatment that might mean you need to cancel or cut short your trip;
- Been diagnosed with, or advised of, a terminal illness.
Read our travel insurance for AFib Policy Wording for full details.
How to get travel insurance if you have atrial fibrillation
Finding travel insurance for atrial fibrillation can be hard. Standard providers may turn you down. However, as a specialist medical provider, we can help. We can consider more than 1,300 conditions. We can even help if you have multiple conditions at once, such as AFib and diabetes.
You can start the quote process online or call us for free. Whatever works best for you. We’ll ask some questions about your trip and anyone you want covered by the policy.
You should let us know if you have atrial fibrillation, along with any other medical conditions. We’ll then ask you to complete a short medical questionnaire. It’s important to answer accurately, as incorrect or missing information could affect your cover.
Always read our Policy Wording for full details, including any exclusions and terms and conditions. Then you can go ahead and buy travel insurance with AF, or save your quote for later.
What to expect in the medical questionnaire
We aim to make travel insurance for AFib as simple as possible. Our medical questionnaire is quick and easy to fill out. However, it can be helpful to have details of your medical history and any prescriptions on hand.
For travel insurance for atrial fibrillation, we may ask:
- Which type of AFib have you been diagnosed with?
- Which treatments are you having/have you had?
- Are you taking medication?
- Do you have a pacemaker?
- When did you last need emergency medical assistance?
- How often do you experience symptoms?
- Have you had a heart attack or a stroke?
How much does atrial fibrillation travel insurance cost?
If you’re buying travel insurance for atrial fibrillation, it may cost more than a standard policy. This is because there’s a higher chance of making a claim. For instance, if you experience a medical emergency or your medication is lost or stolen. However, if your condition is mild and well-managed, your premium is likely to be lower than for someone with more severe symptoms.
We will always tailor your quote to you. Factors impacting the price of travel insurance for atrial fibrillation include:
- Your age: Senior travellers tend to make more claims, so this could impact your quote.
- Where you’re going: Some destinations, such as the USA, have expensive healthcare systems. Making any claims higher.
- How long you’re off for: You’ll be less likely to claim on a weekend away, versus a month-long trip.
- If you need cover for medical aids or medication: In case you need to claim for them being lost or stolen.
- The severity of your atrial fibrillation: We’ll assess the chances of you needing to make a claim using our medical questionnaire.
Whether you have other pre-existing medical conditions: Common co-existing conditions with AFib include diabetes, stroke and high blood pressure.
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Find the best travel insurance for atrial fibrillation
We help you take off with confidence, knowing you’ve made the smart choice. We offer both single and multi-trip travel insurance for atrial fibrillation:
Annual multi-trip travel insurance
Lucky enough to have lots of trips planned this year? Get them all covered with one annual policy³. You could save yourself time and money.
Why choose JustCover for your atrial fibrillation travel insurance?
If you’re going on holiday with AFib, it’s important to get the best travel insurance for atrial fibrillation. Get cover for emergency medical expenses, unexpected cancellation and more:
- We’re Ireland's most trusted travel insurance provider⁴.
- 98% of our customers would recommend JustCover to family and friends⁵.
- 100% of our customers would consider buying from JustCover again⁶.
- Get up to unlimited cover for emergency medical expenses and repatriation.
- Plus up to €10,000 cancellation cover⁷.
Specialist travel insurance for atrial fibrillation
Pre-existing Medical Conditions
We can consider more than 1,300 conditions. Even if you have multiple conditions alongside AFib, such as diabetes and high blood pressure.
Family travel insurance
Get everyone protected on the same policy. That way, you’re all covered if your AFib causes you to unexpectedly cancel. Or if you face a medical emergency.
Cruise travel insurance
Get protection for the unique problems you might face on a cruise, including cabin confinement.
Destinations covered by atrial fibrillation travel insurance
Holidaying close to home or heading off on a big adventure? We can offer both European and worldwide travel insurance for atrial fibrillation:
Atrial fibrillation travel insurance with other pre-existing medical conditions
If you’re looking for travel health insurance for atrial fibrillation, you may have been turned down in the past, especially if you have other co-existing conditions such as another heart condition, diabetes or high blood pressure.
As a medical specialist, we can help. We can consider more than 1,300 pre-existing conditions, including if you have AFib and other conditions at the same time. Remember to declare your conditions and answer our medical questionnaire accurately. Otherwise, you may invalidate your policy.
Conditions we can cover include:
Will an EHIC cover you for medical assistance related to atrial fibrillation while abroad?
Your European Health Insurance Card (EHIC) gives you access to some emergency state medical care. This only applies in countries that are part of the scheme and won’t always be free. You’ll get treatment at the same price as locals. This includes some costs associated with your AFib.
The HSE advises that: “An EHIC does not replace travel insurance.” Your EHIC does not cover some important emergency services, such as medical repatriation. This can easily cost you thousands of euros without travel insurance. You also won’t have cover for your medication being stolen or unexpected cancellation. It’s important to take both your EHIC and travel insurance for AFib.
A simple 3-step process to book your atrial fibrillation travel insurance
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You will only need to tell us some information about yourself and your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance advice from our team
"We know travelling with a pre-existing condition like AFib can be stressful. We think everyone deserves to go away on holiday knowing they’re covered. That’s why we offer travel insurance for atrial fibrillation. As a specialist medical provider, we can cover you for medical emergencies, unexpected cancellations and more."
Peter Clark - JustCover Director
What our customers say
“It gives us a personal touch, and the lady Sara was brilliant. It’s nice to see an Irish company offering this service to Irish people. I have informed the Irish Heart Foundation of the company.”
see full reviewTips for travelling with atrial fibrillation
If you’re travelling with AFib, there are ways you can prepare for your trip. From talking to your medical team to getting travel insurance for atrial fibrillation. Get ready for your holiday:
- Speak with your doctor or medical team: This is important if you’re going on holiday with any pre-existing medical condition. Your doctor will be able to give you advice on whether it’s safe to go away. As well as any precautions and travel vaccinations. The Irish Heart Foundation says if you’ve had a heart attack or stroke, “it’s advisable not to go on long journeys or trips abroad for six to eight weeks”.
- Prepare your medication: AFib Matters says to “take all your medication with you and ensure you do not run out of tablets while away.” Take extra in case you’re delayed or lose some. Try not to keep it all in the same bag for this reason. Some countries have restrictions on taking medications in, so research this in advance.
- Think about what you’d do in an emergency: Research the medical facilities available where you’re going. Buy comprehensive travel insurance for atrial fibrillation and make sure you’ll be covered for any treatment you may need. You should also take your EHIC if visiting a country that accepts it. Pack details of your medical history, doctor and any medications. Carry your medical alert bracelet or ID card if you have one.
- Avoid things that might aggravate your condition: Your doctor can advise you on a full list of what to avoid. However, this will normally include hot/cold climates, high altitude and vigorous activities. AFib Matters advises: “Comfortable travel is recommended”. Plan plenty of breaks and avoid anything too strenuous.
Precautions to take when flying
There are lots of ways you can prepare for a flight if you have atrial fibrillation. These include:
- Check with your doctor that you’re safe to fly: AFib Matters says, “In general there is no reason why you cannot travel (including flying) if you have atrial fibrillation, but it is best to check with your doctor first.” Your doctor will also suggest any precautions you can take.
- Speak to your airline in advance: They may need you to get a fit-to-fly certificate from your doctor. You should also let them know if you need assistance at the airport or if you’re taking medical equipment on board.
- Know what to do if you have a pacemaker or ICD: The Irish Heart Foundation says, “DO remember to carry your identification card when travelling if you have an internal defibrillator or pacemaker, so that you can show this to security staff and ask to be hand-searched.” You should also speak to your doctor about this in advance.
- Be aware of time differences: These can impact when you take your medication. Speak to your doctor for advice on this and how to adjust your schedule.
- Take steps to prevent deep vein thrombosis (DVT): Speak to your doctor for advice on whether you’re at higher risk of DVT. Stay hydrated and avoid caffeine and alcohol. Ask your doctor for advice on exercises and any other precautions to take.
Frequently asked questions about travel insurance for atrial fibrillation
Is it safe to travel with atrial fibrillation?
It’s important to always speak to your doctor for advice on this. They know you and your medical history best. AFib Matters says: “In general, there is no reason why you cannot travel (including flying) if you have atrial fibrillation, but it is best to check with your doctor first.”
Can you fly with atrial fibrillation?
Only your doctor can advise you on this. You should speak to them about whether it’s safe to fly and discuss your trip, such as whether your destination has any emergency facilities you may need. Your airline might require a fit-to-fly certificate to confirm you’re safe to travel. So check this with plenty of time before your holiday.
Are there any travel restrictions for people with atrial fibrillation?
AFib Matters advises: “In general, there is no reason why you cannot travel (including flying) if you have atrial fibrillation, but it is best to check with your doctor first.” It’s important to check with your medical team before you travel if you have any pre-existing medical conditions.
They will consider whether:
- You’re safe to fly.
- Your destination has the facilities you may need in an emergency.
- There are restrictions on taking the medication you need into the country you’re visiting.
- Your itinerary poses any risks to your condition.
- You need any vaccinations or to take other precautions.
Does atrial fibrillation count as a pre-existing condition?
Yes, atrial fibrillation is a pre-existing medical condition for travel insurance. You must declare it and answer our medical questionnaire accurately. Otherwise, you could risk invalidating your policy.
A pre-existing medical condition is any condition that falls within the medical warranty. You must disclose to us if you or anyone else insured on this policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation or received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
Read our travel insurance for AFib Policy Wording for full details.
When should you buy atrial fibrillation travel insurance?
You can buy travel insurance for atrial fibrillation as far ahead as 12 months before your trip. Then you’ll be covered for unexpected cancellation for as long as possible. If you’re buying atrial fibrillation holiday insurance at the last minute, you can do this on the day of departure as long as you haven’t gone through customs in Ireland yet.
Will JustCover travel insurance cover the risk of a stroke?
Emergency medical care for a stroke will be covered by travel insurance for atrial fibrillation. However, you must declare all of your pre-existing medical conditions and answer our medical questionnaire accurately before buying your policy. Otherwise, you may invalidate your policy and have your claim turned down. Read our Policy Wording for full details.
Are there age limits on travel insurance if you have atrial fibrillation?
Does travel insurance also cover your travelling companions?
We offer specialist policies for travelling with family, your partner or friends. This will give them protection if you have to cancel unexpectedly for certain reasons linked to your AFib. Or if you need emergency medical treatment while you’re away together. Read our Policy Wording for full details of how they will be covered and any exclusions.
Do you need to update us if your medication or condition changes before you travel?
Yes, you must tell us and consult with your medical practitioner if you or anyone else insured on your policy:
- Develops a new condition;
- Experiences a change to an existing medical condition; or
- Has to change their medication. For instance, starting Warfarin or other anticoagulants.
Contact our team using the numbers provided in your policy documents. You must do this as soon as possible, and before booking or starting your journey. Or before you pay the balance or any further instalments for your journey.
There may be an additional charge to make these changes. Read our atrial fibrillation holiday insurance Policy Wording for full details.
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2. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased. Read our Policy Wording for full exclusions and T&Cs.
3. Unlimited trips to your chosen region over a 12-month period from the start date of an annual policy, up to a maximum of 183 days' travel per year. Individual trip duration limits apply.
4. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
5. Based on 128 responses, correct as of 27/08/2025.
6. Based on 128 responses, correct as of 27/08/2025.
7. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased.