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AF Association
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UK to USA Long Stay Travel Insurance?

Hello All, I’m new and this is my first question, so my apologies if this has already been discussed previously. Please can you make recommendations / suggestions for a good Long Haul, Long Stay (couple of months) Travel Insurance, for someone in the UK, with PAF and on daily Anticoagulant and Beta Blocker, visiting the USA. Thank you.

On Apixaban & Bisoprolol

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I don't have any personal experience of travel insurance (with AF) to the USA, but the Atrial Fibrillation Association (AFA) has a list of insurers they have "found to be sympathetic to travellers who have a heart condition" here:

heartrhythmalliance.org/afa...

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Thank you very much for your reply. It is much appreciated. x

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If you or your partner were in the civil service or some other public service employment check out one of my recent posts. This can be done by clicking on “members” above and then type my name in the search box and all my posts should appear.

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Thank you very much for your response. Unfortunately neither of us were in the civil service or public service employment, but it’s very good information for those who were.

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Funnily enough age can be the biggest problem.l got USA insurance for 24 days with Avanti. Just got annual European with Staysure.

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Thank you very much for replying. Yes, I also have reached the age where it’s affecting my insurance. Thank you for the information of the companies you used.

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Make sure and read the fine print. Many insurers won't cover conditions that are currently being treated. I had trouble getting coverage for my Mother who had persistent AF so she could come and visit me in California. It is scary. The cost to go to the emergency room in Napa CA 4 years ago was $14,000US before treatment. X-ray, Cat Scan, 1 bag-of fluids and 2 aspirin were $2,600. (Personal experience). AIr ambulance $25,000. If you can get $1mm in coverage I would recommend it.

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Yes, thank you very much for that advice. It can be very costly for medical treatment there if not covered properly. I don’t think the insurance companies like to pay out either. lol

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I always went to an insurance broker to get best deal and although it costs a lot it is vital to have insurance especially for the USA and make sure it covers medical assistance for journey home, just in case.

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Thank you very much for your answer. We’ve gone through comparison web sites in the past but now I have to make sure the policy covers my health issues for sure, so a broker might be a good option. As you say we need cover in case we need medical assistance to get home.

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I went to the USA with A/F and after having a stroke and breast cancer, I didn't need to declare the cancer because it was past and I was on 5 year course of drugs but I did declare, obviously, the other two and my broker found me the best deal for the ill health and age and it was worth the cost for peace of mind, in spite of the fact that I didn't need to use it thankfully the reassurance was enough, I just made sure that I took enough medication and Warfarin to last me. Have a lovely trip.

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Oh my, you seem to have had more reason than me to be concerned about your health whilst there. Glad to hear that you didn’t need to use it but as you say it’s worth it for the reassurance alone. Thank you for your good wishes and advice.

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Most insurers tend to limit stays to 28 days so be prepared to be charged more for longer stays - annual insurance doesn’t always cover stays of more than 60 days - depends upon the company.

I have 4 long term chronic conditions I need to declare and cannot get annual insurance so combined with being 65+ find it is loaded but I found that Travelinsurance4medical who are part of the World First company provide the best overall cover, especially for US. I’ve used them for 10 years now, have had to cancel 2 trips and been able to cancel the insurance with no penalities, claimed once and they were very helpful and I had no quibbles and they offer a range of cover from basic through to gold standard, depending upon your budget - I rarely cover for holiday for instance as usually never pre-book anything through a company.

The one time I did book a cruise through Saga - I took up their insurance - then had 3 emergency hospital admissions - Saga rang me and withdrew my insurance and as I couldn’t board without insurance and it was 3 days before we were due to depart - I was upset and furious. World First to the rescue - no bother and at a price which was £15 less than the original Saga policy.

Hope that helps.

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Wow! They sound like a great company, and a good job you used them. Thank you so much for sharing that information and the company’s name, it is much appreciated. x

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