Can you get travel insurance if you have had a stroke or TIA?
Having a stroke should not prevent you from travelling abroad. Find out more about getting travel insurance after a stroke.
And, since there are more than 1.3 million stroke survivors in the UK, it’s a good job that there are plenty of specialist medical travel insurance providers who can cover people who have had a stroke or TIA (mini-stroke) in the past.
If you’ve had a stroke in the past, stroke travel insurance cover provides you peace of mind - knowing that should you become unwell or face a medical emergency on holiday, you’ll be taken care of. With multiple types of cover including single-trip and annual multi-trip insurance, you can tailor your insurance to suit you.
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Declaring your condition
Even if you had a stroke a long time ago - it’s still important to declare it with us when comparing travel insurance.
Once you do, it’s likely that you might be asked a few questions, such as:
- How many strokes have you had?
- How long ago was your last stroke?
- Are you awaiting surgery for this condition or for any scans?
- Do you currently use any mobility aids?
- Have you had any transient ischaemic attacks (TIA) since your last stroke?
The answers you provide help insurance providers to determine the more specific nature of your condition, while getting a clearer insight into your medical background.
This helps them to offer you the appropriate insurance for you after a stroke when you start comparing quotes.
What does stroke travel insurance typically cover?
You can expect this type of cover to include the same things that a standard travel insurance policy would include - but you can also claim for stroke-related medical issues (whereas you otherwise wouldn’t be able to).
This will normally include:
- Lost, Stolen or Damaged Personal Belongings: Including any medication you need to treat your condition.
- Emergency Medical Expenses and Repatriation: Specifically including any stroke-related medical expenses incurred by emergency medical treatment.
- Cancellation and Curtailment: If you suddenly decide to cancel your trip or end up cutting it short.
- Travel Delay: This won’t always be included, check with your provider.
- Personal Liability: If you cause accidental damage to another person or someone else’s property - cover is provided.
You can compare this type of cover across a range of leading providers, click below to get started.
Get a quoteOptional extras
Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.
This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.
Get cheap quotes from specialist stroke travel insurance providers
Comparing quotes will make it much easier to find the right travel insurance policy to cover your medical conditions with pre-existing medical travel insurance.
We work with plenty of specialist providers, and once you tell us about your trip and medical condition(s) you’ll be able to compare competitive quotes, all in one place - saving you money and precious holiday-planning time.
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Frequently Asked Questions
Yes, having a stroke or TIA (transient ischaemic attack) doesn’t mean you can’t get travel insurance. Stroke travel insurance is designed to provide peace of mind by covering medical expenses and emergencies related to your condition while you’re abroad.
The members of our panel cater to pre-existing medical conditions, ensuring you find the right cover for your trip.
Although not as serious as a stroke, if you have had TIA, you should absolutely purchase travel insurance that covers this particular condition. If you don’t, then any problems caused or lasting symptoms from the TIA whilst you’re on holiday may not be covered by your policy – and you could be left out of pocket should you have to seek medical help on your trip. Get a quote.
It’s important to tell your insurer about your stroke or TIA to ensure your policy accurately covers your needs. When comparing quotes, you’ll be asked a few questions—such as when the stroke occurred, how many strokes you’ve had, and whether you use mobility aids.
Standard travel insurance may not cover pre-existing medical conditions like stroke or TIA. This type of policy ensures that you’re protected if you need medical care abroad, giving you peace of mind to enjoy your trip without worrying about unexpected costs.
By being honest, you’ll avoid complications should you need to make a claim.
Stroke travel insurance typically includes all the standard features of a travel insurance policy, such as:
- Emergency medical expenses & repatriation related to your stroke or other medical issues
- Cancellation if a medical situation prevents you from travelling
- Lost, stolen, or damaged belongings (including medication)
Some policies may also include or allow you to add extras like cover for travel delays or cruise holidays.
Cover for a stroke abroad will depend on the specifics of your travel insurance policy. When purchasing a policy, it’s essential to declare your pre-existing medical conditions, including any history of strokes. This ensures that you’re fully covered should you require medical treatment while travelling.
Definitely! You can extend your policy with optional extras, like:
- Gadget cover for phones, laptops, or cameras.
- Cruise cover if your trip involves travelling by sea.
- Winter sports cover if you plan to hit the slopes.
Ask your provider about the extras available and whether they match your holiday plans.
The ability to travel after a stroke depends on several factors, including the severity of the stroke and your recovery progress. It’s crucial to consult with your healthcare provider before planning any trips.
Typically, short-haul flights may be possible within a few weeks of a stroke if your health is stable, while long-haul flights might require a longer recovery period. Ensure you follow your doctor’s advice and have all necessary medications with you.
Yes, you should plan your trip carefully to ensure a safe and relaxing experience. Here are some tips:
- Check with your GP: They’ll advise whether you’re fit to travel, especially if your stroke was recent.
- Avoid long flights: Look for trips without lengthy travel times to avoid excessive fatigue.
- Stay mobile: Do in-flight exercises and stay hydrated to reduce the risk of DVT (deep vein thrombosis).
- Book accessibility-friendly options: Choose hotels and activities that cater to your mobility needs.
Read our Top Tips for Travelling After a Stroke for more!
Premiums for stroke travel insurance vary depending on factors like the severity of your condition and destination. However, comparing quotes from specialist providers is the best way to find competitive prices. Using a dedicated comparison service ensures you filter policies tailored to your needs without overpaying.
To find the right policy for your next trip, compare quotes now. A perfect holiday starts with the right cover!
That’s where we come in! Medical Travel Compared lets you compare policies from over 30 trusted UK travel insurance providers.
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* Price is based on 1 traveller aged 61, who has declared Stroke and is travelling to France for 7 nights. The price is correct as of January 2025. Prices may vary according to your individual requirements.
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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.