Can you get travel insurance if you have high cholesterol?
Yes, you can. At JustCover, we understand that high cholesterol is really common – and well-managed for many people. That’s why our travel insurance for high cholesterol is built around you.
Our straightforward policies keep the focus on your holiday, not your health niggles. Take us with you and you’re covered for emergency treatment, cancellations, lost bags and more. And if you have other medical conditions in addition to your high cholesterol, we can help with that too!
Why do you need travel insurance if you have high cholesterol?
Some 60% of adults in Ireland are estimated to have raised cholesterol levels. Because it’s such a common condition, high cholesterol travel insurance can be overlooked.
However, you’ll still need to declare high cholesterol when buying your travel insurance. That’s even if it’s well-managed or doesn’t affect your day-to-day life. It means you can enjoy your holiday without worrying about unexpected medical costs.
Here’s why travel insurance for high cholesterol is so important.
- High cholesterol can increase your risk of heart disease. Over 9,000 people in Ireland die from cardiovascular disease each year. If you experience a cardiovascular event abroad and haven’t declared your condition, you may not be fully covered.
- Covers cancellation. High cholesterol is related to conditions like high blood pressure and stroke. Both are leading causes of hospital admissions in Ireland. High cholesterol travel insurance helps protect prepaid costs if your health affects your plans.
- Covers lost or stolen medication. Statins and other cholesterol-lowering drugs may be affordable at home. But replacing them abroad can be costly. In the US, some cholesterol medications can cost over €200 for a month’s supply. Travel insurance means you’re not left out of pocket if your meds go missing.
What does JustCover’s high cholesterol travel insurance cover?
Looking for the best travel insurance for cholesterol in Ireland? It’s important to know exactly what your policy includes and what it doesn’t. Take a look at the key benefits and exclusions below, and check our Policy Wording for the full details.
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 bags (or their contents) are lost or stolen.
Personal liability – Cover for your legal expenses and any liability 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.
Medical conditions you don’t declare – You need to tell us all of your pre-existing medical conditions to be fully covered.
Choosing not to travel – You’re only covered for cancellation where the reason falls within the policy terms and conditions.
Travelling against medical advice – We can’t cover you if you’ve been told not to go by a doctor or your medical team. We also can’t cover you if you’re travelling to get treatment.
Do you have to declare high cholesterol for travel insurance purposes?
Yes, you do need to declare high cholesterol when taking out travel insurance. Even if it feels like a minor part of your overall health picture, being upfront means your policy can properly protect you.
Declaring high cholesterol covers you for emergency medical treatment and lost medication. It can cover you for any changes to your travel plans if your health takes an unexpected turn. It also helps avoid any issues if you need to make a claim later on.
But don’t worry. Declaring high cholesterol doesn’t mean your premium will shoot up. Most people with stable, well-managed cholesterol are still eligible for affordable cover at JustCover.
How to get travel insurance if you have high cholesterol
Getting travel insurance for high cholesterol is simple with JustCover. Our process is designed to be straightforward and stress-free.
- Start by getting a quote online or giving us a call. We’ll ask a few quick questions about your trip and anyone else you’d like covered.
- Next, you’ll complete a short medical questionnaire. It’s easy to fill out and helps us tailor your policy to suit your health. Just be honest with your answers, so your cover works exactly as it should.
- Once that’s done, we’ll send you a personalised quote. You can buy your policy right away or save it for later. Whatever suits you best.
What to expect in the medical questionnaire
We’ll ask a few key questions to help us understand your health a little better. It’s helpful to have your medical details to hand before you start. You might be asked:
- Whether you take medication to manage your cholesterol
- If you’ve had any complications or hospital visits in the last two years
- Whether you’ve been diagnosed with related conditions, like high blood pressure or heart disease
- If you’re managing any other medical conditions
How much does travel insurance for high cholesterol cost?
The cost of travel insurance for high cholesterol can vary from person to person. That’s because we look at the full picture, not just your diagnosis. Everything from your age to your destination plays a part in shaping your quote:
- Your age: Older holidaymakers may pay a little more due to increased health risks.
- Your destination: Some countries have higher medical costs, which can raise your premium.
- The length of your trip: Longer holidays cost more to insure than short breaks.
- Your plans: Going skiing, cruising or bringing expensive gadgets? You’ll need to add extra cover.
- How well your cholesterol is managed: If your condition is stable and well-controlled, your premium may be lower.
- Other medical conditions: If you’re managing additional health issues, they’ll be factored into your quote.
But getting the right cover doesn’t have to mean paying over the odds. A few simple choices can help keep costs down:
- Travelling with others? Group or family policies can often work out cheaper than individual ones.
- Only going away once? A single trip high cholesterol travel insurance policy may be more cost-effective than annual cover.
- Staying close to home? Short breaks to Europe are usually cheaper to insure than long-haul adventures.
- Managing your health well? If your cholesterol is under control, that can make a difference to the price you pay.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
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Find the best travel insurance for high cholesterol
With JustCover you can explore, knowing your trip is in safe hands. Just choose the high cholesterol travel insurance that best fits your travel style. We’ll do the rest.
Annual multi-trip travel insurance
Got the travel bug? Take as many trips as you like in a year² with our annual cover.
Single trip travel insurance
Heading off just once? Our single trip cover lets you relax and enjoy the journey.
Why choose JustCover for your high cholesterol travel insurance?
When your health is supported, your holiday can truly begin. With JustCover, you get specialist travel insurance for high cholesterol, tailored to suit your health and your holiday plans³.
Here’s why we’re Ireland’s most trusted travel insurance provider:
- Up to unlimited cover for medical expenses and repatriation
- Up to €10,000 cancellation cover⁴
- 24/7 emergency medical helpline
- 100% of customers would consider buying from JustCover again⁵
- Trusted by holidaymakers since 2003
Specialist travel insurance for high cholesterol
Seniors travel insurance
Having raised cholesterol is common as we get older. But with cover for travellers over 60 and beyond, it won’t hold you back with JustCover.
Pre-existing Medical Conditions
We consider more than 1,300 health conditions, including high cholesterol. Managing more than one? We’ll tailor your cover to fit your needs.
Family travel insurance
Cover the whole crew under one policy, and everyone can travel smart! Less admin, more adventure.
Cruise travel insurance
Cruising with a health condition? We understand the unique challenges. From medical care to missed ports, our specialist cover helps you relax and enjoy the journey.
Destinations covered by high cholesterol travel insurance
Hopping to Europe or flying long-haul? Our travel insurance for high cholesterol can keep up with all of your adventures.
Worldwide travel insurance
From New York to New Zealand, we’ll support you wherever you go. With protection for lost medication and unexpected hiccups, you can focus on the journey.
High cholesterol travel insurance with other pre-existing medical conditions
Living with high cholesterol and other health concerns? It’s more common than you may think. According to Irish Heart, over 38% of men and 26.6% of women in Ireland live with high blood pressure. The condition is often linked to cholesterol, along with other cardiovascular risk factors.
At JustCover, we understand that health isn’t one-size-fits-all. That’s why we can include multiple pre-existing conditions in your policy, not just high cholesterol. Whether you’re managing your blood pressure, your heart health, or something else entirely, we’ll tailor a travel health insurance quote that fits you.
Examples of the types of health conditions we can cover include:
- Asthma
- Atrial fibrillation
- Cancer
- COPD
- Disability
- Heart condition
- High blood pressure
Will an EHIC cover you for medical assistance for high cholesterol while abroad?
Yes, it will. Your European Health Card (or EHIC) lets you access any medically necessary treatment when you’re travelling in the EU. That includes things like seeing a doctor or getting emergency medication.
But the EHIC does have its limitations:
- It only covers state healthcare on the same basis as local residents. That might mean free treatment in places like Spain. But in countries like France, you may need to make a co-payment.
- It won’t cover private care. Depending on where you’re travelling, that might be the recommended option. For example, in Greece and Cyprus, many travellers find that private clinics offer faster access and better care.
- It won’t cover the cost of repatriation. That’s if you need to be flown home in an emergency.
- It’s not a replacement for travel insurance. The EHIC doesn’t include things like lost medication. It won’t cover extra accommodation costs if you’re delayed due to illness.
Having both an EHIC and travel insurance for high cholesterol lets you travel smart, knowing your health is in safe hands.
A simple 3-step process to book your high cholesterol travel insurance
Get your quote in seconds
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 recommendations from our team
"High cholesterol is one of the most common conditions our customers live with. For most, it’s stable and doesn’t cause any issues. But, whether it’s changes to your routine or misplaced medication, travel can add a few curveballs.
It’s important to have cover that understands the realities of managing your health abroad. Our high cholesterol travel insurance covers lost medication, cancellations and more. We’ll make sure you’re supported if things don’t go quite to plan."
Peter Clark - JustCoverDirector
What our customers say
“JustCover gives us a personal touch, and the lady I spoke to 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 reviewWhat are the risks of travelling with high cholesterol?
For most people, travelling with high cholesterol is perfectly safe. But like any health condition, it’s worth being mindful of a few things. Here’s how to stay well while you’re away.
- Keep moving – Long periods of sitting on a flight can slightly increase the risk of blood clots. Stay hydrated and move around regularly. Wearing compression socks (if advised by your doctor) can help reduce that risk.
- Watch the climate – Hot temperatures can lead to dehydration, which may affect your blood pressure.
- Breathe easy – Pollution in busy cities can also put extra strain on your cardiovascular system. If you’re travelling somewhere with poor air quality, try to limit strenuous outdoor activity. It can help to stay indoors during peak pollution hours.
How to prepare for your trip
Heading abroad with high cholesterol? With the right cover and a little preparation, you’ll be able to enjoy the adventure ahead.
- Sort your travel insurance early. You’ll need to declare high cholesterol when you apply.
- Get your EHIC. Travelling to the EU or Switzerland? A European Health Insurance Card can help you access public healthcare.
- Pack your medication. Keep your cholesterol medication in your hand luggage, along with a copy of your prescription and a letter from your GP. This can help if you need emergency supplies while you’re away.
- Stick to your routine. Try to take your medication at the same time each day, even if you’re changing time zones. Setting reminders on your phone can help keep things on track.
- Plan for healthy choices. Look out for fibre-rich meals and make time for gentle movement. Even a short walk can make a difference.
- Know what to do if something goes wrong. If you lose your medication or feel unwell, call our 24/7 medical helpline. We’ll guide you through what to do next and help you access care locally.
Frequently asked questions about travel insurance for high cholesterol
What is considered high cholesterol for travel insurance?
High cholesterol is usually defined as having a total cholesterol level above 5mmol/L. But when it comes to travel insurance, there’s no fixed cut-off or “too high” number. Everyone’s health is different. Some people may be advised by their doctor to aim for lower levels, depending on their overall risk factors.
For travel insurance purposes, what matters most is whether your condition falls within our medical warranty. That means you’ll need to let us know if, in the last two years, you’ve:
- Taken any prescribed medication, for example, statins like atorvastatin or simvastatin.
- Received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation – for example, a cholesterol check at your GP surgery.
Is high cholesterol classed as a pre-existing medical condition for travel insurance?
Yes, high cholesterol is considered a pre-existing medical condition for travel insurance, even if it’s well-managed with medication. A pre-existing condition is any health issue that falls within our medical warranty. You’ll need to let us know if you (or anyone else on the policy) has:
- Taken prescribed medication or received medical advice or treatment in the last two years.
- Been placed on a waiting list for treatment that could affect your travel plans.
That might sound a bit formal, but it’s simply to make sure your travel insurance gives you the right protection while you’re away. If you don’t declare your high cholesterol, you won’t be covered for any costs related to it during your trip.
Does high cholesterol affect my ability to get annual multi-trip travel insurance?
High cholesterol won’t stop you from getting annual multi-trip travel insurance with JustCover. You just need to declare it when you apply. We insure people with high cholesterol and over 1,300 other medical conditions. We can even insure you if you’re managing more than one health condition at a time.
Once you’ve answered a few simple questions, we’ll tailor your policy to suit your needs. It’s all about making sure your cover reflects your health, so you’re properly protected wherever you go.
Are you still able to fly if you have high cholesterol?
Yes, you are. Most people with high cholesterol fly without any issues, especially when they stick to their medication routine.
If you’re heading abroad, it’s a good idea to pack your medication in your hand luggage. And bring a copy of your prescription, just in case. With the right travel insurance in place, you can relax and enjoy the journey.
Are there age limits for high cholesterol travel insurance?
Not at JustCover. We don’t set an upper age limit for travel insurance if you’re living with high cholesterol – or any of the 1,300+ medical conditions we cover. Whether you’re over 50 or over 80, our senior travel insurance will support your health and your holiday plans.
The only exception is our winter sports cover, which has an age limit of 65.
Will you need a doctor’s note or medical certificate to get travel insurance for high cholesterol?
No, you won’t need a doctor’s note or medical certificate when you buy high cholesterol travel insurance with us. There’s no need for a medical check-up, either. When you get your quote, we’ll ask simple questions – like whether you take medication and if you’ve had any recent hospital visits. This helps us tailor your cover to suit your needs.
What if your medication or condition changes before you leave for your trip?
We know that your health can change. But if you’ve started a new medication or had a recent complication, it’s important to let us know before you go. It means you’ll be properly protected if you need support while you’re away.
At JustCover, we’re here to make life simple. So if anything’s changed since you bought your policy, just get in touch. We’ll talk you through what to do next and make sure your cover still suits your needs. That way, you can travel worry-free, knowing we’ve got your back.
What should you do if you misplace your medication abroad?
Lost your statins on holiday? With JustCover, you’re never on your own. Call our 24/7 emergency medical helpline as soon as possible. We’ll guide you through the next steps and help you access replacement medication locally. If you’re in the EU or Switzerland, your European Health Insurance Card (EHIC) may also help you access public healthcare. Keep it handy if you need an emergency prescription.
It’s wise to travel with a copy of your prescription and a list of your medications. This makes it easier for local doctors or pharmacists to issue replacements. If your usual medication isn’t available, they may offer an alternative. And if you need to pay for emergency supplies, keep your receipts. You’ll need them to make a claim.
When should you buy high cholesterol travel insurance?
Life doesn’t always stick to the itinerary. That’s why the best time to buy your high cholesterol travel insurance is as soon as you’ve booked your trip. Sorting your cover early means you’re protected from the moment your plans are in place.
Even if your cholesterol is stable, you’ll still need to declare it. That way, you’re protected by cancellation cover if your health takes an unexpected turn before you go. So once your flights or accommodation are confirmed, go ahead and tick travel insurance off the list. It’s quick, it’s easy – and it’s one less thing to worry about.
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2. Up to a maximum of 183 days of travel per year.
3. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
4. 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.
5. Based on 128 responses, correct as of 27/08/2025.