British Heart Foundation
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Travel Insurance Yes or No ??

This is a personal opinion on Travel Insurance and I wonder how other people handle this tricky subject.

I have H F ( diagnosed ) and I have had an M I in the past, I have also had by pass surgery.

My bank offer ( free ) Travel Insurance I phoned the Insurer who advised me I would not be covered for anything Heart Related on the policy, but I would be covered for any other issues. Lost Luggage, Theft etc so I don't bother now to take out any special Insurance for my Heart Condition ( Europe Only )

I take my medication as directed so work on the basis that I have as much Insurance for my heart condition as possible !!! So what's the worst that can happen, possibly have a Heart Attack E111 will cover that, Repatriation same as if it I was here. I have a friend who had an MI he was in Hospital for a week and then Flown home to Shetland. So its looks like flying is not an issue ( I wouldn't tell Ryanair or Easy Jet ) what prompted these thoughts was my son just asked was we going away this year.

So yes Ferry to France then casual drive through France down to the Costa del Sol and should I be unlucky enough to get ill My wife will drive us back, or should I pass away my best friend will hire a Transit and throw me in the back.

Insurance is a game albeit it can be a risky one, but when The Cardiologist says " by all means go on holiday " I think I will not bother with special Heart insurance again this year.

Very Personal Opinion but interested in others views.

Regards

Frank W

6 Replies
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I would say yes to travel insurance I know it costs more for us with anything heart related ... But you gave me laugh 🤭 about your best friend will hire a transit and throw you in the back ... ♥️ Gillian

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Hi

I have travel insurance, yes more expensive than previously, but I figure worth the cost. The E111 will cover you for local treatment yes, but bringing in the dreaded Brexit, will that option be available post March 2019?

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I would not risk it. I know of someone who had an accident whilst on holiday and the insurance company would not pay out saying that an undeclared medical condition was responsible. This was extremely unlikely but they had found a way to avoid paying out! You know insurance makes sense!

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Hi

I wasn't advocating not having Travel Insurance I was just saying is it worth all the extra to cover your Heart Condition !!! I disclosed my Heart Condition and that is all that I am not covered for.

Regards

Frank W

Reply

If you are staying within the EU, and for as long as we remain in the EU, then the E111 should cover your medical needs. But that'll only likely be good through 2018 (depending on when Brexit actually happens and what sort of Brexit we get).

I usually take out an annual travel insurance policy for peace of mind as much as anything. It has gone up since my CABG, but my worldwide policy is still under £300. It really comes down to where you are going and how much you want to pay for peace of mind!

Pays your money .......

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I haven't travelled yet since having my CABG four months ago but when I do I will definitely take out insurance albeit a higher premium now as it will give me peace of mind...and as the cardiologist advised me to avoid stress I will gain peace of mind having travel insurance. Personal choice.

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