Travel insurance for heart conditions

Can you get travel insurance if you have a heart condition?

You can get travel insurance for heart conditions from JustCover. We can help if you’re a heart patient and living with angina, heart disease, atrial fibrillation or other conditions. Or if you’ve had a heart attack or a bypass.

Most standard providers won’t be able to cover you. As a travel health insurance specialist, we believe everyone deserves to be protected on holiday. That’s why we consider more than 1,300 medical conditions.

Travel insurance for heart patients covers:

• Emergency medical expenses and repatriation, including costs linked to your pre-existing medical conditions.
• Medical evacuation if the treatment you need isn’t available locally. For instance, if you’re holidaying on a small island.
• Our 24/7 emergency medical helpline.
• Your medical equipment and prescription medication, if it’s lost, damaged or stolen.
• If you have to cancel unexpectedly due to your heart condition. You can also cover family and friends for this if you’re going away on the same policy.

Specialist travel insurance for heart conditions will also help with lots more issues while you’re away. Including if your bags are lost or stolen, or if you need personal liability or legal protection cover. 

Read our Policy Wording for full details and any exclusions. 

Why do you need travel insurance for heart conditions? 

Travel insurance for heart patients should be top of your list if you’re going away. You could face a medical emergency on holiday, or your medication could be lost or stolen. Travel knowing you’re covered: 

• “Heart disease is the most common cause of death in Ireland”, according to Croí. They say: “6,000 people have heart attacks in Ireland each year”. Think about what you would do if you had a heart attack or complication while on holiday. You could face medical bills of thousands of euros without travel insurance for heart conditions. 
• The Irish Heart Foundation says that “travel insurance for people with pre-existing conditions can be more complex to organise.” As a specialist medical provider, we make it as easy as possible. We have a simple medical questionnaire for you to complete.
• According to the Irish Heart Foundation, changes in everything from temperature to altitude and terrain can impact your heart condition while away. It’s important to avoid certain destinations and to take precautions in others. Travel insurance for heart patients could help with emergency medical costs if you face issues  

You can buy travel insurance for heart conditions online in minutes. No hassle, no stress. Travel knowing you’re covered by a specialist medical provider. 

Do you have to declare heart conditions for travel insurance purposes?

You must declare any heart conditions you have when getting travel insurance. As well as any other pre-existing medical conditions. If you don’t declare them, you may invalidate your policy, and you won’t be covered for any costs associated with them while you’re away. 

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 specialist travel insurance for heart conditions Policy Wording for full details. 

How to get travel insurance if you have a heart condition

Getting travel insurance can be stressful if you have a heart condition. As a specialist provider, we keep the process as simple as possible. If you’re looking for the best travel insurance for someone with a heart condition:

• Look for a specialist medical provider, as standard providers are unlikely to cover you. At JustCover, we’ll consider more than 1,300 conditions, including angina, heart disease, cardiomyopathy and heart murmurs. 
• Get a quote online or call us for free. We’ll ask you some questions about your holiday and anyone you want insured on the policy. 
• Declare any pre-existing medical conditions and complete our medical questionnaire. The process is quick and simple, but it’s important that you’re honest with your answers. Otherwise, you might invalidate your policy. 
• Once the medical questionnaire is complete, our team will review it and you’ll get your quote. It’s important to read our Policy Wording to understand what is and isn’t included. Once ready, you can go ahead and buy your policy or save it for later. 

What might be asked in the medical questionnaire?

Our medical questionnaire is designed to be quick and simple. We need to ask you about your pre-existing medical conditions so we can tailor your quote to you. It’s wise to have your medical details on hand, such as any prescriptions you have, before starting. 

Questions for holiday insurance for heart conditions may include:

• What diagnosis have you received?
• What treatment have you had/are you currently having?
• Are you taking any medication?
• Have you had a coronary stent, heart bypass, angioplasty, pacemaker or any surgery?
• How many heart attacks have you had?
• Are you currently experiencing any symptoms?
• When did you last see your medical team? 

How much does travel insurance cost for people with heart conditions?

If you’re looking for specialist travel insurance for heart conditions, it is likely to be more expensive than a standard policy. This is because you’re more likely to need to make a claim. Maybe you have to cancel unexpectedly or are facing a medical emergency. However, as a specialist medical provider, we tailor your policy to you. So if your condition is well-controlled and you’re in good health, this will be reflected in the price. 

Things that might impact your quote include:

• The length of your trip and where you’re going: If you’re going away for a long time, or visiting a place with expensive medical care, such as the USA, your quote will be higher.
• Which heart condition you have and its severity: Some heart conditions can result in more medical emergencies than others.
• Any medication or medical aids you’re taking away: If these need to be covered, it will impact your quote.
• Other pre-existing medical conditions: If you also have diabetes, COPD or another condition that requires cover, this may impact the cost.
• If you’re a senior traveller: Senior travellers more likely to need to make a claim for emergency medical expenses.
• If you need extra cover: We have a whole range of protection for cruises, gadgets and activity holidays, such as golf breaks.  

If you’re looking for cheaper travel insurance for heart conditions, you could take a shorter trip or visit a country with an affordable healthcare system. We also offer annual multi-trip policies, which could save you time and money if you’re going away more than once. 

Be honest about your heart condition when getting a quote. If you don’t declare it, your policy may be invalid, and any related claims could be turned down.

Find the best travel insurance for heart conditions

Our policies are designed to give you the right cover, so you can focus on enjoying your trip.

Single trip travel insurance
Planning one special holiday in the next 12 months? Our single trip travel insurance offers protection from the day you set off until you arrive safely home.

Annual multi-trip travel insurance
If you love to travel often, our annual multi-trip travel insurance lets you take as many trips as you like in a year², without arranging new cover each time. 

Why choose JustCover for your heart conditions travel insurance? 

Go away knowing you’re covered with travel insurance for heart conditions from JustCover. Get protection for medical emergencies, lost or stolen medication and more. Buy the best travel insurance for someone with a heart condition:

• Up to unlimited cover for emergency medical expenses and repatriation
• 24/7 emergency medical helpline 
• Up to €10,000 cancellation cover available³
• 98% of our customers rate us as ‘Excellent’ or ‘Great’⁴
• 98% of our customers would recommend JustCover to family and friends⁵

Specialist travel insurance for heart conditions

Get travel insurance for heart conditions that works for you and your trip. Whether you’re setting sail on a cruise or looking for cover for the whole family. Let’s help you find the right policy:

Seniors' travel insurance: We think everyone deserves to enjoy their holiday, that’s why we have no upper age limit. We have policies for everyone from over 60s to those over 85. 

Travel insurance with medical conditions: We consider more than 1,300 conditions. If you have a disability, arthritis, epilepsy or another condition, get specialist cover now. 

Family travel insurance: If everyone is covered on the same policy, you’ll all be protected if something goes wrong. Whether you have to cancel unexpectedly or need to stay longer because of an emergency. 

Cruise travel insurance: From cabin confinement to missed excursions, we understand the issues you might face on a cruise. Get special protection for your big holiday. 

Destinations covered by heart conditions travel insurance

As a specialist medical provider, we offer travel insurance for heart conditions for all sorts of trips. Whether you’re holidaying close to home or across the world:

Europe: From Italy to Cyprus and Portugal. Get travel insurance for your next trip in Europe and go away knowing you’re covered. 

Worldwide: Feeling adventurous? Get worldwide travel insurance, whether you’re jetting off to Japan, Mexico, South Africa or further afield.   

Will an EHIC cover you abroad if you have a heart condition?

If you have a European Health Insurance Card (EHIC), you’ll get access to some emergency state medical care. This is only in countries that are part of the programme. It’ll be at the same price as locals, but it’s not always free.  

It’s important to always take your EHIC and travel insurance for heart conditions with you. This is because the EHIC doesn’t cover all costs, such as medical repatriation. Travel insurance also offers other benefits, such as cancellation cover and protection for lost and stolen belongings. 

Can you get travel insurance for children with heart conditions?

We can offer travel insurance for children with heart conditions. They must be on the same family policy as a responsible adult they’re travelling with. This is so the adult will also be covered if they have to stay longer due to a medical emergency.

Tips for travelling with heart conditions

If you’re travelling with a heart condition, there are some helpful ways to prepare. Remember, it’s vital you check any plans with your medical team before you go. 

• “Avoid very cold and very hot climates,” says the HSE. Both of these can make your condition worse, along with a change in altitude and terrain. The Irish Heart Foundation advises: “Don’t get caught in the midday sun and remember to wear sunscreen and stay hydrated.”
• Be prepared if you’re flying: If you have an internal defibrillator or pacemaker, the Irish Heart Foundation says you should carry your identification card and “ask to be hand-searched” by security. Check with your airline in case they need a fit-to-fly certificate. Or if you need any medical equipment on your flight or assistance at the airport. Take precautions against deep vein thrombosis (DVT). 
• Take extra medication: In case you’re delayed and need more. The Irish Heart Foundation also recommends you “keep extra supplies of your medication in your hand luggage in case your stowed luggage gets delayed.” Some countries might have rules on bringing certain medicines in, so check before leaving. 
• Plan for any medical emergencies: Research the emergency facilities available to you at your destination and how you would reach them. Consider booking your hotel nearby. Pack a list of any medications you’re on, your medical history and your doctor’s contact details. Take your travel insurance details, along with your EHIC if visiting a country that accepts it. 
• Think about the activities you want to do: The British Heart Foundation says, “do not go somewhere too difficult to walk, or take part in activities that are challenging, unless you’re confident you are fit enough.” Speak to your doctor for advice on any activities. Book your accommodation within easy distance of shops, restaurants, and anywhere you may want to go. Plan plenty of time to rest and relax.
• Talk to your doctor about your plans: They’ll give you advice on whether your holiday is suitable for you and your condition. As well as any precautions you should take. They might advise against your trip, especially if you’ve recently needed emergency medical help. For instance, the HSE says if you’re recovering from a heart attack: “It’s recommended that you do not go on long journeys or trips abroad for 6 to 8 weeks.”