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British Heart Foundation
6,829 members4,277 posts

Travel and life insurance with a heart condition

Hi everyone,

We’ve seen lots of discussion on the community about travel insurance. For anyone with a heart condition that may need some guidance on insurance, here’s everything you need to know.

Where can I find travel insurance?

Holidays are supposed to be relaxing but it can be frustrating to sort out insurance when you’re recovering from a heart attack or heart surgery, so – the BHF has put together a list of insurance companies who may be able to help you find a suitable travel insurance policy:

bhf.org.uk/informationsuppo...

How do I answer the medical questions for insurance quotes?

It’s a good idea to talk to your GP before purchasing an insurance policy as they’ll be able to help you answer the medical questions.

As I’m sure some of you will know, the health declarations that insurance companies ask for are often very detailed, particularly about your past and present health conditions and medications. It’s really important to declare all your past and present health conditions. If you leave out important information this could result your claim being refused…the less holiday drama, the better!

What if I can't find travel insurance?

The British Insurance Brokers’ Association (BIBA) may be able to help if you’re finding it difficult to get travel insurance: biba.org.uk/CustomerHome.aspx

What if I have a complaint?

If you have any complaints or think you have been treated unfairly as a result of a policy claim, the Financial Ombudsman Service is there to help you: financial-ombudsman.org.uk/

Life insurance:

There are some insurers who specialise in providing life insurance for people with health conditions. We don't work with any of these insurance companies and can't guarantee that they will offer insurance to everyone: bhf.org.uk/informationsuppo...

Travel insurance is always a hot topic so here a few threads on the community you might also find helpful:

healthunlocked.com/bhf/post...

healthunlocked.com/bhf/post...

healthunlocked.com/bhf/post...

Happy travels!

17 Replies
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Thank you Helen for sharing. I for one will have to re-look at travel insurance since being diagnosed with SVT and Mitral valve regurgitation. I have travel insurance included in my bank account package, but will have to contact them now to see where I stand. Rie

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Hi Rie, hope they continue to insure you. I've also got Mitral (& aortic) valve regurgitation & hypertrophic cardiomyopathy too....my bank refuses to renew my insurance as I was diagnosed just a few months ago. They would have insured my angina for £115 extra but not now I have the extra conditions. Im finding it hard to get insurance....this week 42 companies have refused to insure me. All the best. Clare

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I got mine from Staysure

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Even some banks will insure you for a small extra premium. With my SVT my free insurance was converted for about £40.

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I am a member of the Womens' Institute which costs £41 p.a they offer a group travel scheme to members for £195 p.a. worldwide cover Inc USA with only two conditions. One is that you are not terminally ill (defined as less than 12 months to live) or that you are not travelling against a doctor's advice otherwise no health screening,so much easier. Also you might just like the friendly no they meetings and meet new people and develop new interests.

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Hi Helen

There are a large number of questions coming in about life insurance. Please could you do a piece about that and pin it to the site?

Steve

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Hi Steve, thanks for this. All the relevant info that the BHF has on life insurance is on the same insurance page mentioned above: bhf.org.uk/heart-health/liv... If anyone has any questions on this, best thing to do is contact our heart helpline 0300 330 3311 and our nurses will be happy to help. I'll change the title of the post to include life insurance too :)

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Thanks Helen 😃

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I use Freedom insurance, based in Cambridge. ....they have a website. Also Saga and the post office are helpful.

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Thank you Helen for inviting me to the forum

Currently going through all the worry of diagnosis in may..

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Hey Rob6868, welcome :)

You've come to the right place if you want to talk. You can also give our nurses a call if needed: bhf.org.uk/heart-health/how...

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Hi Helen

Sorry I didn't realise you were the administration

Could you send my long message to the bhf nurses so they can reply to me.

It would be so grateful and save me writing it all over again

Thank you

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Hi Rob6868, no problem! I've replied to your direct message about this.

:)

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I found insurancewith.com good for travel with pre-existing conditions.

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Hi Helen

Well went in for my Angiogram on 23rd

Didn't find it too uncomfortable and didn't need sedating so that was good.

But had stent put in after they found 90/100% blockage on LAD .

Apparently I was an awkward patient in a nice way haha because my blockage was in a very difficult place and he said my artery was curved and went up and around. ...would you know what that means?

After the procedure I was obviously monitored but as the day went on I complained I was still getting what I thought was angina pain. ...it's what had stopped me from doing any exercise before I went into hospital (And is something that I love so much and miss)... I comented on it and cardiologist said I was a tricky patient?

I asked him if my left and right arteries are OK and he said there fine...and walked away..

But on the ct scan he saw it showed a very small amount of furing but they said it's nothing and we have dealt with the problem.

I believe I had a drug endured stent put in..

Once again I fall into the "sods law of patients as the called me haha...fit lost 2stone swimmer runnerving gym goer none smoker or drinker...cholesterol was a bit high at 5.7 a month before surgery but I got my tryglicerides down to 1.3 this week and overall cholesterol to 4.3....The cardiologist doesn't know this

Also because the pain is still there

They then gave me an echogram and another enzyme test...enzyme test came back with score of 4 only 12 hours after stent being put in so that's aparently good?

The consultant checked echo and said all valves are working fine so what I'm complaining of "must be cardio muscular" I've now been put on 40mg Atorvastatin that have already started giving me side effects...

Ticagrelor 90mg

Lansoprazole 30th

And the obvious Aspiin 75mg

My question is why am I on such a high dose of statin when original cardiologist who saw my ct scan put me on 20mg

Secondly could this still be angina I'm feeling even though he said he's said he's said he has dealt with blockage.

Or are these post stent pains as its only been 2days.

Im so desparate for answers

Im not a tablet fan and I just want to get back to my fitness soon but with no chest pain..Im what people call a fidit arse! Sorry! But you know what I mean.

I was 16.10st and now 14.1st so have done everything I can along with diet

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After recently being diagnosed with heart failure I contacted my travel insurers. After only a few questions about my treatment they were happy to continue my policy with an additional premium of £93, for our couples annual insurance

Thoroughly recommend goodtogoinsurance.com

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I recommed to members that you should always speak to a consultant rather than just answering questions online. I received a quote of £756 for single trip cover on a price comparison website. This was reduced to £299 by speaking to AllClear.

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