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Guide to getting travel insurance coverage for people with heart issues

If you’ve been diagnosed with a heart condition or had heart-related health problems, you have to pay attention carefully to your travel insurance policy. Even if you haven’t had any health issues before you head on your trip, you must still purchase an insurance policy that offers medical coverage— including your heart condition. 

The last thing you need when you are abroad trying to enjoy your trip is dealing with high medical bills because of your health, which is why travel insurance exists for people with heart conditions. 

Can I Get Travel Insurance If I Had a Heart Attack?

You can get travel insurance after your heart attack. Medical conditions, like heart attacks, shouldn’t stop you from traveling. However, it can be more challenging to find travel insurance that caters to your medical needs and offers appropriate medical coverage. In the case of a heart attack, as long as your doctor has declared you fit to travel, you can purchase your travel insurance without any issues. 

Of course, you have to declare your condition to your insurance provider and submit your medical exam and a note from your doctor proving you are fit to travel. In addition, some insurance companies may ask you to go through a medical screening by filling out a health form and answering questions about your condition. 

What If I’m Traveling With Family Members?

If you are traveling with your family members, then you have the option to choose between one of the following travel insurance policies: 

  • Individual travel insurance. With personal travel insurance, you and every family member will have a single travel insurance policy. You can customize your medical coverage related to your heart condition. However, if any of your family members cancel the trip due to medical issues, you may not get a refund. 
  • Family travel insurance. A family travel insurance package is a single policy that covers you and your family members as a group. For example, you can buy family travel insurance with medical coverage regarding your heart condition. 

It’s up to you and your family members to explore the travel insurance options and decide which policy fits you. 

Is Heart Attack a Pre-Existing Condition?

Most insurance companies consider your heart attack a pre-existing condition if you are on medication due to your heart condition. So let’s say, for example, you had a heart attack five years before you plan on traveling. If you are still taking medication (anticoagulants, beta-blockers, medicine for high blood pressure, etc.) to lower your chances of having another heart attack, you are considered to have a pre-existing condition. 

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Is Travel Insurance for Heart Attack More Expensive? 

Travel insurance can be more expensive because of your heart attack. This is because your heart attack can be considered a pre-existing condition, and you have to pay more to get pre-existing condition coverage. You may also opt to pay for a higher maximum of medical coverage if something happens with your heart condition, which will raise the cost of your premium. 

However, the overall price of your travel insurance depends on many factors. Therefore, you must do plenty of research and compare different insurance policies to find the most affordable price. 

Best Travel Insurance for People With Heart Conditions 

Best travel insurance for people with heart conditions is one that offers coverage (or at least a waiver) for pre-existing conditions. You can get a free quote and compare policies at Insubuy.

Some of the best travel insurance companies include:

  • Allianz travel insurance. 
  • Axa. 
  • Seven corners. 

How Do I Find Travel Insurance With Heart Conditions?

One of the best ways to find travel insurance if you have a heart condition is using a comparison market tool or an insurance broker. With either of these options, you will have access to reviews of several insurance plans and compare their prices, benefits, and coverage options. Then, after you’ve decided on an insurance plan, you can purchase your policy via the insurance broker. 

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