When you’re going on holidays with your family or travelling with friends you want to do so with complete peace of mind, which means having comprehensive travel insurance for while you’re away. Under normal circumstances this is just a matter of clicking a box on a website but if you have a pre-existing medical condition travel insurance can become dramatically more complicated in a heartbeat – and especially with heart conditions of any kind.
At HeartWeb we’ve teamed up with Insurance Choice to offer great value travel insurance for people with a heart condition. Single or multi trip, long or short haul, pre-existing medical conditions, up to 110 years old … Insurance Choice CAN help
If you have any of the following heart problems you may find it quite difficult to get a travel insurance quote that is even remotely affordable:
* Recent heart-attack
* Had stents fitted
* Cardiomyopathy (heart disease)
* Cardiac arrhythmia (irregular heartbeat)
The reason why travel insurance quotes for pre-existing heart conditions is so high is that having an existing heart condition could potentially require urgent medical assistance whilst overseas and this is the reason most insurance companies will either refuse cover or just give you a quote that’s unfeasible except for the very wealthy. Remember it’s not in the best financial interests of any insurance company to pay out on any claim – they’re in the insurance business to collect premiums and earn interest on that; they avoid paying out on claims as much and as often as they can.
There may be the temptation on your part to not disclose your pre-existing heart condition when getting travel insurance but not declaring full details of your condition when getting cover will most likely results in a claim being refused, if you were to need to make a claim while travelling. There is the option of getting a European Health Insurance Card (EHIC) but don’t confuse this with actual travel insurance cover because an EHIC is only designed to lower the costs of medical treatment in a foreign country; it does not replace proper travel insurance and you should ideally have both a European Health Insurance Card and full travel insurance for complete peace of mind.
So there are no benefits to not making a full health declaration, including all past and present medication conditions, when applying for travel insurance.
Remember that your travel insurance needs to cover the cost of potentially having to be air ambulanced home with a trained medical professional accompanying you. Or if you need to stay in a foreign country for several days or weeks you may also need to cover the cost of a family member or friend to stay there with you. Otherwise you could wind up paying all these costs yourself and this could quickly spiral into a bill for several thousand pounds at the very least.
If you have a pre-existing heart condition and you’ve been searching for travel insurance you’ll know just how frustrating this entire process can be – refusal after refusal or quotes that are so high you’re expecting some kind of comedy punchline afterwards. If you feel that you’re being treated unfairly by any of the insurance companies you’ve dealt with you can always register a complaint with the Financial Services Ombudsman (FSO) but that could take weeks or months to resolve.
In the meantime you can save considerable amounts of money by getting your travel insurance online from companies who specifically cater for people with pre-existing health conditions like cardiovascular (heart) issues. You won’t need to beg or bow when dealing with these companies because their insurance underwriters provide cover for cases just like yours every single day and truly understand your predicament.
At HeartWeb we’ve teamed up with Insurance Choice to offer great value travel insurance for people with a heart condition. Single or multi trip, long or short haul, pre-existing medical conditions, up to 110 years old … Insurance Choice CAN help.