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travel insurance advice please

Ossie7 profile image
31 Replies

I would like to book a short break away to Iceland and looked into travel insurance today but was told due to underlying health condition of AF I couldn’t be insured . I have had AF for 5 years , had 3 electrical cardioversions , 2 ablations , multiple medications , the usual really ! My AF is currently stable on meds , but I’m on waiting list for ablation no 3 which will be a good 12 months .

My question to you knowledgeable lot is which travel insurance companies do you go through ? ( I’m UK based ) I know many of you have said that you travel worldwide , even when in persistent AF so I can’t believe I will be excluded for all further travel ( I bloomin well hope not !!)

Look forward to your advice .

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Ossie7 profile image
Ossie7
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31 Replies

You may like to take a look at our Travel and Insurance page on our website here: heartrhythmalliance.org/afa...

On there is a list of insurers whom AF Association has found to be sympathetic to travellers with a heart condition.

Hope this helps!

Ossie7 profile image
Ossie7 in reply to

Thanks Katrina , I will .

Jalia profile image
Jalia

Do try Saga travel insurance. I found them very good and dealt with them on phone.

Ossie7 profile image
Ossie7 in reply toJalia

Rhanks Jalia

johnMiosh profile image
johnMiosh

Try an ordinary comparison site and add your disclose your AF. It will ask about your treatment, current status and how many times you have presented at A&E. I never went to A&E, and my AF only increases the premium by a pound. A single visit to A&E, should not affect it but regular trips to A&E (or other impact such as driving license revoked) will make it much more expensive

sportscoach profile image
sportscoach

Always used a company by the name of Staysure.....

staysure.co.uk/why-staysure/

rc-k profile image
rc-k

I was happily insured with Staysure until I went on the waiting list for a second ablation. I suspect it may be the waiting list that is the problem - not the AF.

Ossie7 profile image
Ossie7 in reply torc-k

I’m the same , on a waiting list

GordonEdin profile image
GordonEdin in reply toOssie7

That might be your main problem. The on-line forms for declaring health issues normally seem to first ask you to declare that you are not awaiting investigations or treatment. If you are, then they will either not be interested or will want more details before deciding.

oliviab9 profile image
oliviab9

hi , I always use all clear have had no issues with them .

Ossie7 profile image
Ossie7 in reply tooliviab9

Thanks

Mrsvemb profile image
Mrsvemb

Most companies will insure AF. I suspect in your case, they are refusing cover because you are on a waiting list for treatment. It would be the same for being on a waiting list for any treatment.

It might be worth trying All Clear. They will insure things that no other company will insure. At a premium of course. May be worth trying them.

JOY2THEWORLD49 profile image
JOY2THEWORLD49

Hi

I found you either pay a surcharge of about $100 or not. But I have had a stroke with AF and thyroid cancer discovery which is all out.

I have never run to the hospital, or A&E.

Your call to cover or not. Just be honest as if anything happend they will research.

I use 1-Cover or Southern Cross and there is Evermore.

Cheri jOY. 73. (NZ)

KMRobbo profile image
KMRobbo

Cover for you.

Luludean profile image
Luludean

Hi, I’m on persistent AF znd get infurance through Aviva. I travel to NZ. Good luck. L

Octaviascout profile image
Octaviascout

You should have no problems buying travel insurance. Our worldwide travel insurance is through the Nationwide BS .. I paid £113 to cover my PAF. You may find it prohibitively expensive if you’ve had an unplanned visit to hospital in the past 12 months. We did a road trip of Southern Iceland last summer .. it’s a fantastic country, enjoy.

Jajarunner profile image
Jajarunner

I used Staysure.

ninks01 profile image
ninks01

Hi, traveled (flew) twice last year to Malta and Southern Italy, declared my AF...in fact over declared on second trip , as i put a regular hospital visit down as an unplanned visit. I got insurance via a comparison site and the end insurer was Avanti....cost me about £40 extra for the second trip. The insurance covered me and the mrs. Good luck and enjoy the trip.

Enable profile image
Enable

I am UK based with persistent afib and travel worldwide frequently using Staysure. Never had any problems getting insured and thankfully never had to make a claim.

Wildcat12 profile image
Wildcat12 in reply toEnable

I've just checked for us to travel as a couple to USA and Canada, we both have AF controlled by meds, age 65 and 68 and Quote was for £1200 for multi trip - is that a good price?

Enable profile image
Enable in reply toWildcat12

Its difficult to say because insurance for the US is always more expensive than anywhere else and obviously the duration. I haven't been to the US or Canada since I've had afib .

P0rtnahapp1e profile image
P0rtnahapp1e

Just took out insurance yesterday for next Mondays skiing trip to La Tania in France. I always use Staysure and travel abroad 4/5 times a year, including cruises and American trips.

It was £135 this time as I had to add a TIA to my list of ailments, but still good value considering I have permanent AF, DCM, Heart failure, liver failure, diabetes type 2 and am on a cupboard full of medication daily.

Living in Northern Ireland I do have the added benefit of having dual nationality so still have my euro health card. I’m only British when it suits and Irish for EU travel. 😀

Jetcat profile image
Jetcat in reply toP0rtnahapp1e

😂👍

Ossie7 profile image
Ossie7 in reply toP0rtnahapp1e

wow , and still skiing ! Enjoy your trip x

Jetcat profile image
Jetcat

I’m sure you will find a company to insure you. I can’t remember which one s Iv used in the past, post office was one I did use once!!! not the cheapest though.!!! but Iv always managed to get insured with my AFIB so keep trying you’ll be ok.👍

momist profile image
momist

+1 for StaySure. They are very easy to speak to on the phone, and do listen to what you have to say. Others may be just as good . . .

TracyAdmin profile image
TracyAdminPartner

Good Morning, We offer some advice regarding travelling and travel insurance on the AF Association webpage heartrhythmalliance.org/afa... you may also find a number of Insurance Companies to contact for quotes from the Useful Links page: heartrhythmalliance.org/afa....

Finally, you may like to download the AF & You booklet which also provides some helpful tips and advice regarding holidays \ travel etc.

heartrhythmalliance.org/afa...

booklet
Barb1 profile image
Barb1

It's the waiting for a procedure, that is your problem.

Nugger profile image
Nugger

Its terrible as you get older,my mum is 88,on several tablets & would love to go outside the uk but travel insurance quotes take it off the table,something to look forward to!

Qualipop profile image
Qualipop

The refusal is simply that one company. There are plenty of others who cover pre existing conditions. Stayssure seems very popular. DO make sure that you t ell them of ALL conditions you've had and presently have. As you are waiting for treatment, that could be the main problem. Remember they will find any excuse to not pay up so do declare everything. Last year my son went to the USA . He just used the insurance that was offered with his trip and it was only 2 days before his flight that I realised he hadn't mentioned his sleep apnoea.He had been discharged as no longer having it but they still needed to know. He had a panic phone round to find a new company

CDAJ profile image
CDAJ

I use Saga

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