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Travel Insurance for Heart Conditions

Looking for travel insurance that covers heart conditions? Compare with Savvy to help you get the cover you need today.

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, updated on September 4th, 2023       

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If you’re one of the 1.2 million Australians who suffer from a heart condition, getting travel insurance that covers your health issue is vital. Whether you suffer from atrial fibrillation or heart palpitations, if you’re in the market for travel insurance, Savvy can help you find a policy that caters to your medical needs.

By comparing with us, you can weigh up the cost of insurance for pre-existing heart conditions and find a policy which offers you peace of mind at the best price. Put your mind at ease and start comparing with Savvy today.

Can I get travel insurance that covers my heart condition?

Yes – you can be covered for treatment related to a heart condition on your holiday under your travel insurance policy. However, most insurance providers will require you to pay an extra premium if you want to be covered for any related medical expenses overseas. This is because companies deem you at a higher risk of complications overseas if you have a heart problem.

Insurers will require you to disclose any heart conditions before you purchase an international travel insurance policy. Heart conditions are usually defined as any of the following:

  • Angina
  • Atrial fibrillation
  • Cardiomyopathy
  • Coronary heart disease
  • Deep vein thrombosis
  • Peripheral vascular disease
  • Previous heart attacks

If you have undergone procedures relating to a heart condition, including valve replacements, stents and other related surgery, you will also need to declare this with your provider.

While this isn’t always the case, certain providers on the market don’t provide cover for heart conditions, even if you pay a higher premium. In this situation, you’ll likely still be covered for medical costs, such as injuries and illness, but you won’t be protected for heart-related treatment.

If you’re wondering why you need travel insurance if you have a heart condition and plan to head overseas, think about the out-of-pocket cost of hospital and medical treatment if you didn’t have coverage. Travelling to certain countries which don’t have universal health care without travel insurance can leave you footing medical bills into the tens of thousands of dollars.

Which other pre-existing health conditions can my travel insurance cover?

More than a quarter of all Australians suffer some form of pre-existing condition, so the chances are that cover for your long-term illness will be at the top of your wish list when you’re shopping around for the best travel insurance policy.

Travel insurance companies usually provide automatic coverage for about 30 to 40 different types of pre-existing medical conditions. Commonly covered health conditions include:

  1. Allergies, including eczema, hay fever and intolerance to certain foods
  2. Asthma, except for travellers over 60 or those with other lung disorders and diseases
  3. Bell’s palsy
  4. Carpal tunnel syndrome
  5. Cataracts
  6. Coeliac disease
  7. Congenital blindness and deafness
  8. Type 1 and 2 diabetes
  9. Epilepsy
  10. Glaucoma
  11. Incontinence
  12. Macular degeneration
  13. Migraines
  14. Osteoporosis
  15. Sleep apnoea

Much like cover for heart conditions, some travel insurance providers allow you to pay extra to cover more serious health issues including:

  1. Alzheimer's disease
  2. High blood pressure and high cholesterol
  3. Pregnancy
  4. Multiple sclerosis
  5. Certain types of cancer

However, there are some circumstances where travel insurance won’t cover you at all. These include:

  1. Treatment for a terminal illness
  2. Conditions including drug and alcohol addiction
  3. Someone travelling for medical treatment or advice
  4. Travelling overseas to take part in a clinical trial

If you’re applying for cover for a condition which isn’t listed on your insurer’s website, your provider will require you to complete a questionnaire. Some of the information you’ll need to provide your insurer include:

  • The name of your condition
  • Any medications you take to treat your condition
  • Whether you’ve seen a doctor recently
  • If you’ve been admitted to hospital in the past year
  • Whether you’re awaiting medical treatment

How do I compare travel insurance for heart conditions?

With so many options on the market, it can be hard to know where to start when comparing travel insurance policies for someone with a heart condition. Savvy helps you shortlist the best products by giving you the tools to find the policy which best suits your travel and health needs.

Some of the factors you should consider when you are shopping around for the best travel insurance policy include:

Types of coverage

Consider your health needs against the level of travel insurance coverage you need for your next holiday. Most basic and comprehensive policies can automatically cover minor heart issues, such as high blood pressure, which may provide you with ample coverage.

Costs

If you're chasing travel insurance policies which cover heart conditions, getting a few quotes will allow you to price match between providers. Premiums can vary from provider to provider, so making a quick comparison with Savvy will enable you to sniff out a policy with the most benefits at the best price. Cheapest isn’t always best, but it’s still crucial to try to save where you can whilst receiving the coverage you need.

Age limits

Travel insurers impose age limits on their policies, restricting cover to travellers over a certain age. These age requirements usually start at 70 but can go up to 130 years old. Comparing providers will allow you to find a policy with limits sufficient for your age.

Excess requirements

The value of excesses varies between providers, so it's worth having a quick look to find one that suits you best. Excesses can range from $100 to $250, with some insurers not charging you a cent to claim certain events. For example, if you've travelled to the Bahamas, suffered a heart attack and incurred a $2, 000 medical bill, your insurer can reimburse the full amount minus your $200 excess.

Types of travel insurance

Why compare travel insurance with Savvy?

Common questions about travel insurance for heart conditions

How do I declare a pre-existing heart condition?

Most travel insurance companies will allow you to declare your medical issue via an online or phone assessment. However, the protocols for declaring a heart issue vary from provider to provider. Depending on your circumstances, your provider can offer you coverage soon after.

Will it cost me more to cover my heart condition if I’m over 65?

Yes – the older you are, the more travel insurance will cost you, including if you want to cover a heart issue. In addition, premiums tend to rise once you hit 65 years old, which can mean you may have to pay a higher premium just to take out a policy, let alone be covered for your lingering heart issue.

Do I need to tell my insurer if I suffer from palpitations?

If you've recently visited the doctor due to heart palpitations, you must tell your travel insurance provider. Not disclosing this could void your policy after you suffer an incident relating to palpations while you’re overseas.

What happens if I die due to my heart condition overseas?

Your travel insurer can pay for the repatriation of your body if you die overseas due to your heart condition, as long as you’ve paid for the required coverage. For example, if you’ve taken out top-level cover and you pass away overseas, your insurer will allow your family to claim up to $30, 000 for bringing your body home and subsequent funeral.

Can I be covered if I have a heart issue and want to take a cruise?

Yes – most travel insurance companies provide cruise coverage for those with heart issues. If you’re planning on travelling to Ireland for a cruise along the Lakes of Shannon, most standard policies offer cruise cover automatically or as an added extra. However, if you have a heart issue, taking out cruise cover will likely cost you more.

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

Travel Insurance Banner - Middle-aged man holding his hands to his chest due to a heart condition.

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