Travel Insurance after a Heart Attack
Experiencing health difficulties like a heart attack should not prevent you from travelling abroad.
However, you should always check with your doctor in advance before making any holiday plans.
Having already had a heart attack, you should be aware that this will affect your travel insurance, because people who have had one are already at a higher risk to have another.
But don’t be concerned, as heart attack travel insurance can be purchased through Medical Travel Compared and we’ll find the best possible prices available.
We’ll just ask you for a few details regarding your situation and provide you with a list of quotes for you to compare.
Having the necessary cover is not just important for peace of mind, but can also save you time and money should an emergency occur.
Treatment for a heart attack can be expensive abroad, so a suitable policy from one of the many specialist travel insurance providers we work with is a vital requirement for your holiday.
Do I Need Travel Insurance after a Heart Attack?
Regardless of whether you have a pre-existing medical condition, we always advise purchasing travel insurance ahead of your holidays so you can enjoy your trip without worry.
As mentioned above, people who have already experienced a heart attack are at a higher risk of having another – so it’s crucial to get covered before jetting off.
Should the unfortunate and unexpected happen again, medical expenses in foreign countries can be high, and the cost of cutting your holiday short can also be expensive.
The right heart attack travel insurance policy can cover you for emergency medical expenses and repatriation amongst other benefits.
This should therefore be a high priority on your holiday preparation checklist if you have suffered a heart attack in the past.
What Does Heart Attack Travel Insurance Cover?
Medical Travel Compared is not an insurer, but we do work with over 40 leading insurers to help you compare a range of heart attack travel insurance quotes.
The level of cover you might expect to receive varies from insurer to insurer, but a typical medical travel insurance policy might usually include:
- Emergency Medical Expenses and Repatriation
- Personal Accident
- Personal Liability
- Legal Expenses
- Travel Delay
- Lost, stolen or damaged personal belongings
You must declare that you have suffered a heart attack in the past when buying heart attack travel insurance.
Our Medical Screening function includes a series of multiple choice questions that you need to answer accurately to ensure you get the best possible cover available.
Is a Heart Attack a Pre-Existing Medical Condition for Travel Insurance?
A heart attack qualifies as a pre-existing medical condition – and therefore should be declared when looking to buy a medical travel insurance policy.
Failure to do this may result in not being covered for any potential problems that may unfortunately occur during your holiday.
This is due to the fact that having suffered a heart attack in the past may affect the type of travel insurance you can buy, as well as the cost.
Medical Travel Compared can help you find the best possible deals on heart attack travel insurance once you declare this as a pre-existing condition.
Do You Have to Declare a Heart Attack on Travel Insurance
This isn’t a legal requirement, but we would always advise that you do so to ensure you get the required cover.
If you’ve suffered a heart attack in the past, fail to declare it, and then suffer another while on your travels – your policy may not be adequate enough to cover the required costs of treatment amongst other expenses.
Should you need to pay for a hospital visit in a foreign country, the insurance provider is unlikely to foot the bill if you didn’t declare – meaning that you will need to cover the costs yourself, which can be expensive in some cases.
You can enjoy your holiday with complete peace of mind once you declare – so we always recommend this as the best course of action.
Will a Heart Attack Affect My Travel Insurance?
A heart attack will affect your travel insurance for the reasons mentioned above.
This is because a heart attack is considered to be a pre-existing medical condition, and you should declare your medical conditions when purchasing a medical travel insurance policy.
Otherwise you run the risk of voiding your policy, and even worse – not being covered for your condition while you’re away on holiday.
Declaring that you’ve suffered a heart attack in the past will also affect the price of your policy, however, this is only because the level of cover will be better than what you would get in a typical travel insurance policy.
We always advise considering the level of cover over getting the cheapest possible option.
How Long after a Heart Attack Can I Get Travel Insurance?
Experts suggest those who have suffered a heart attack should wait between six weeks and three months before travelling.
That being said, you should always consult your GP before making any significant travel plans – as they are always better placed to advise you on your own personal health.
It is also worth remembering that some airline operators may have certain restrictions in place for those flying after a heart attack.
Aside from that however, most important questions are asked during our Medical Screening process when trying to get a quote.
Compare quotes today and get the right heart attack travel insurance policy to suit you.