If you suffer with a heart condition, it need not be the barrier it once used to be, now you are still able to travel virtually anywhere in the world. Of course, finding the right travel insurance for heart patients can be a challenge.
Amazingly, nearly 915,000 people living in Britain today have suffered a heart attack and survived, that is according to the British heart foundation, thanks to the likes of pacemakers, stents and heart bypasses. Is it viable for them to get the right travel insurance cover?
Travel insurance with a pacemaker
It certainly is possible to get travel insurance despite having a pacemaker or heart stents. It is vital though to make sure you declare your medical condition fully prior to booking your insurance. Of course, the price is almost certain to rise, and often you will find that some additional conditions will be tagged onto your terms (no strenuous sporting activities, for example), but these are certainly not reasons to prevent you getting the cover you want.
Pre-existing medical conditions
Pre-existing medical conditions which includes heart conditions, essentially means that you recognise that you knew about the condition prior to booking your trip, this includes injuries or illnesses as well as what medication you take and what treatment/operations that are soon to happen or currently ongoing.
Other possible conditions needing to be declared include diabetes, problems with breathing and cancers. Lots of policies you will find have age limits and depending on age and gravity of the medical condition they may include exclusions.
So, if you are determined to still travel despite your pre-existing medical condition, it’s important to realise first that you will likely have to through some medical screening, and the policy cost will substantially increase.
What should you know before you go?
- Always declare your current heart condition to the prospective insurer
It is vital that you declare your pre-existing medical condition to your insurer, because failing to mention these when attempting to make a claim will only lead to it being rejected and you very much out of pocket. Do not be deceived into thinking that an EHIC (European Health Insurance Card) will rescue you in this situation, because that deals primarily with minor issues that you would receive by the NHS in Britain.
- What should you do before your holiday?
Ensure you chat with you GP prior to travelling, make sure you let them know where you are going and for what duration. Some insurers may need to get a letter from your GP declaring that you are fit for travel. This can also provide some peace of mind for you as well as your insurer.
- What should you take with you on your trip?
Ensuring you take with you the correct mediation or prescriptions is of the utmost importance, it would also be prudent to take a list of your medication and medical devices so that in a medical emergency, someone will be able to find out just what you need. It would also be useful to find out what you can take on board the plane as cabin luggage in case there are any complications during the flight.