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Travel Insurance for Heart Conditions

Specialist travel insurance for heart conditions.

Providing your doctor has cleared you for travel, there is no reason why you shouldn’t! The best place to begin is with Specialised Travel Insurance for heart conditions. Using our quick and easy online quote process, you can answer a few questions about your heart condition diagnosis, including any if you have suffered a heart attack or heart failure, and then we’ll compare a range of insurers to get you the perfect deal for both cover and cost. We will only show you Travel Insurance policies specific to your heart condition, as well as your age, destination, and duration of your trip. A doctor’s certificate is not required when declaring your medical history and heart condition.

Medical Travel Insurance with Heart Condition Cover

Our panel of specialist medical insurers cover virtually all heart conditions, including Travel Insurance after a heart attack, angina, irregular heartbeat and ischaemic heart disease. If you have a pacemaker fitted or stent procedure, it should also be declared. We work with a panel of expert medical insurers, who provide premium Travel Insurance with heart condition cover. We are confident in our abilities to provide everyone with the means to travel safely, and if we can’t, we’ll signpost you to somewhere we think can cover your specific heart condition.

Our specialist Heart Conditions Travel Insurance offers emergency medical support, available online 24 hours a day, 365 days a year. Just Travel Cover provides policies that ensure support is always accessible.

Travel Insurance for Heart Conditions FAQs

Frequently asked questions about Travel Insurance for Heart Conditions .

What is Travel Insurance for heart conditions?

Travel Insurance for heart conditions is a specialised type of insurance designed to meet the needs of individuals travelling with cardiac-related health concerns, including Travel Insurance after heart attack, heart failure Travel Insurance and cover for specific heart conditions. This insurance covers medical treatment for pre-existing heart conditions while you are away from home, ensuring that you are not left facing financial strain along with your health concerns in the event of an unforeseen medical issue related to your heart condition.

When seeking Travel Insurance with heart conditions, it’s important to declare all aspects of your heart condition. Our panel of insurers specialises in providing cover for travellers with a history of heart-related issues, including those looking for Travel Insurance after a heart attack, or cover for conditions such as angina, arrhythmias, and ischaemic heart disease. By ensuring you have the right Travel Insurance for your heart condition, you can travel with confidence, knowing you’re adequately covered should something not go to plan relating to your heart condition.

What does Travel Insurance for heart conditions cover?

Travel Insurance is crucial for safeguarding against unforeseen medical emergencies abroad, especially for those with pre-existing heart conditions like angina or cardiovascular disease. It’s vital to declare these medical heart conditions to ensure substantial cover for treatments needed while travelling. Having the right cover for heart conditions could save you a lot of money when it comes to medical bills should you need treatment abroad for an existing or previous heart condition. Plus, your Travel Insurance for heart conditions will also offer cancellation cover, for example, if you need to cancel your trip for medical reasons relating to your previous/existing heart conditions.

Can I get Travel Insurance for all destinations if I’ve had a heart attack?

It is our aim to provide you with a Travel Insurance quotation wherever you’re going and whatever pre-existing medical condition you have – that’s why we work with specialist providers who cover hundreds of pre-existing medical conditions, including heart conditions and if you have suffered a heart attack. Let us know where you’re going and declare your medical conditions, and we will show you a list of prices and insurance options from insurers that can provide Travel Insurance after a heart attack.

Is Travel Insurance more expensive with angina or heart problems?

If you are wondering how much Travel Insurance is with a heart condition, Travel Insurance may be more expensive if you declare medical conditions as it provides cover for medical bills relating to these conditions rather than just treatment for any new injury/illness you sustain on holiday. The cost of treatment varies by country, and insurers will consider this, along with your age, and trip length, when calculating the premium. When you get a quote online, we compare prices and cover and show you a list of options to choose from, most of the time with a bronze, silver and gold option, depending on the level of cover you need. This way, you can compare heart condition Travel Insurance policies and choose the best option for your travel needs and budget.

Can I get Travel Insurance with a heart condition?

Yes, you can. We understand that some insurers may turn you away for your pre-existing heart conditions, but we are confident we can help you. We work with multiple insurers who specialise in cover for pre-existing medical conditions, including heart problems and heart conditions. Once you declare your heart condition and answer some questions, we will only show you the providers that can provide Travel Insurance with heart condition cover tailored to you.

If I have a heart condition and diabetes can I get Travel Insurance?

We can provide Travel Insurance with cover for hundreds of pre-existing medical conditions, including heart conditions, cholesterol, high blood pressure and diabetes. So, if you’re diabetic and you have had heart problems, then make sure you declare both medical conditions and answer our medical screening questions as accurately as possible. We will then show you a list of providers offering the cover you need so you can compare polices and choose the best level of cover for you.

Can you get travel insurance that covers my heart condition and my cancer diagnosis?

Finding Travel Insurance when you have/or have had cancer and you have had heart problems can be challenging and expensive. We work with specialist medical insurers to provide you with a choice of high-quality affordable cover for all pre-existing medical conditions. After entering your personal details, you can screen all conditions at the same time, answering a few questions to ensure you have the right medical cover in place. We’ll then show you a list of options to choose from, only showing you prices from providers who can cover both your heart conditions and cancer, should you need any treatment related to your pre-existing medical conditions when you’re on holiday.

Can I get Travel Insurance with cover for heart conditions at any age?

Yes, some of the insurers on our panel provide cover for all ages and can cover your pre-existing medical conditions too, for example, if you have had a heart attack, a bypass, or you’re living with angina. When getting a quote, it is extremely important to declare all of your pre-existing heart conditions, high blood pressure or high cholesterol. Even if your medical condition is controlled by medication, or you suffered a heart attack in the past, it must be declared.

Is there an upper age limit for Travel Insurance if I’ve got heart conditions?

We believe that age and medical history should not be a barrier to travel, and that’s why there’s no upper age limit on some of our policies. All quotes are tailored to you, so when you enter your details and answer the medical questionnaire, we will only show you prices from the insurers that can provide cover for you. Whether you’re over 55 or over 85, we could have a heart condition Travel Insurance policy for you.

Is Travel insurance more expensive after a heart attack?

Travel Insurance to cover heart conditions can be costly and vary depending on where you’re going due to the cost of medical treatment in that particular country. If you are wondering how much Travel Insurance is after a heart attack, it can vary depending on the severity of your heart condition, other pre-existing medical conditions, your age and the destination you are visiting and how long for. 

While some insurers may turn you away, we work with insurers who specialise in covering pre-existing medical conditions, and we will compare prices and policies for you to find the cover you need. It’s important to remember that the price you pay for Travel Insurance is not just based on your medical history and conditions, but also age, destination and trip length, and will also depend on whether you want a single trip or an annual policy.

Will Just Travel Cover compare Travel Insurance for my heart conditions?

Yes, we will compare a range of specialist insurers to ensure we provide you with the best possible policy that covers your heart conditions. You will also usually have a bronze, silver and gold option to choose from where cover limits and excesses vary, along with the price.

Just Travel Cover works closely with our insurers to compare prices and policies. Get a quote and compare prices online. If you need further assistance or would rather speak to us directly, give us a call, and we will advise and direct you through the process.

Travel Insurance for All Kinds of Heart Conditions

• Heart attacks
• Ischaemic Heart Disease
• Atrial Fibrillation (irregular heart beat)
• Heart Murmurs and Heart Valve

How to Get a Quote

• Choose which type of travel insurance you require (single trip or annual)
• Give us some information about your trip (destination and dates)
• Declare your heart conditions along with any other medical conditions you have
• Add any travel insurance options you require, such as Winter Sports
• Choose from a range of travel insurance policies 

We Compare Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all insurers

What You Need to Know:

To ensure that your heart conditions are covered by your Travel Insurance you must declare your heart condition , as well as any other medical conditions you have. It is important that you answer the medical questions fully and accurately. We don’t need to see a doctor’s certificate. If you have had a heart bypass, a pacemaker fitted or a stent procedure, these will also need to be declared to us to ensure that you are properly covered by your Travel Insurance for heart conditions. Working with a panel of insurers, who are experts in providing travel insurance cover for heart conditions, means that we are able to find five-star Travel Insurance for someone with a heart condition . Don’t worry if you’ve been turned away by other insurers, we are confident that we will be able help you.

24 Hour Emergency Medical Support

All of our specialist Travel Insurance policies for heart conditions include access to a 24 hour emergency medical support service . A support team is available by phone 24 hours a day, 365 days a year, so if you do become ill on holiday and require medical treatment you can be sure that help and support will be available when you need it.

The Importance of Declaring All Medical Conditions

When you buy Travel Insurance it is extremely important to declare all of your pre-existing medical conditions , including any heart conditions, high blood pressure or high cholesterol.  Even if your medical condition is controlled by medication, such as with high blood pressure, or your heart attack was a long time ago, it still needs to be declared when you buy travel insurance to ensure that you are properly covered.

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Our online quote and medical screening engine enables you to compare and buy Travel Insurance quickly and easily.

Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for a trip of a lifetime.

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Heart conditions and travel insurance

Article contents.

Tegan Oldfield

3 August 2023 | Updated 20 October 2023 | 5 minute read

If you’re one of the seven million people in the UK living with a heart condition , it’s important to get the right travel insurance for you.

Here we discuss how to get insurance that covers you and your condition and how to stay safe while travelling.

Is it safe to travel with a heart condition?

You should speak to your doctor to find out if it is safe for you to travel.

For many, going abroad with a heart condition is still safe. Even if you have a pacemaker, cardiac resynchronisation therapy (CRT) device or implantable cardioverter defibrillator (ICD) fitted, you should be able to travel.

If you’ve recently had a heart attack or a major operation like heart surgery, you may need a letter from your doctor to prove you are fit to fly or travel.

Can I get travel insurance with a heart condition?

If you’re looking for travel insurance for heart conditions, each insurance provider will have their own rules around what they cover.

If you have pre-existing heart issues, you need to declare this to your insurer. Check whether the policy covers your specific condition and what it will protect you for, including any care you may need while away.

You can use MoneyHelper’s medical directory to find suitable insurance to cover your condition or by you can call 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).

Find out more about travel insurance for medical conditions .

What heart conditions can travel insurance cover?

Insurers that provide cover for pre-existing conditions typically cover:

• atrial fibrillation
• high blood pressure and cholesterol
• heart attack/myocardial infarction
• cardiomyopathy
• blocked or narrowed arteries
• valve disease
• aortic aneurysm
• heart failure
• aortic stenosis

Check your policy book carefully to make sure your condition is covered; if you’re unsure, call your insurer.

What information do I need to tell my insurer? 

You usually need to tell your insurer about any medical condition you’ve had within the last two years. But with a heart condition, you must tell them if you’ve ever had one.

You’ll need to let us know about:

• any problems with your heart
• recent surgeries or procedures you’ve had
• any emergency hospital visits
• the medications you take for your condition

You should always answer these questions truthfully. If you don’t let us know about a medical issue that you later need to claim for, your insurance will be invalidated . 

This means you won’t be covered for the cost of any treatments you need or if you need to cancel a trip as a result of your heart condition.

Remember to inform your insurer about any health changes between buying your policy and going on holiday.

Is travel insurance with heart conditions more expensive?

You might have to pay more for your travel insurance if you have a heart condition.

It’ll depend on the severity of your condition and any other health problems you might have, but the price of your premium will always depend on:

• where you’re going
• how long you’re going for
• what activities you’ve planned

Travelling with a pre-existing heart condition

When travelling with a heart condition, you should bring:

1. A valid Global Health Insurance Card (GHIC) , so you can access lower-cost medical care if you’re travelling to Europe. Read our guide on using the GHIC in Europe .

2. Enough medication to last your trip and a few more days’ supply to be safe. Read our guide on travelling with medicine .

3. A Device Identification Card , if you have a heart device fitted (such as a pacemaker), which doctors can refer to if you do need treatment.

4. Recent medical letters, records of treatment you’ve had, and a copy of your electrocardiogram (ECG) , for the same reason as above.

Flying with a heart condition

You can also take a few measures while travelling to your destination to keep your heart healthy.

If you have a heart device, let the security staff at the airport know. Your device shouldn’t be affected if you walk through the security scanners at a reasonable pace, but the staff will need to be careful when using a handheld metal detector.

They should hold it at least 15cm away from your device and avoid repeatedly sweeping over or lingering over it for a while.

You also might be at higher risk of developing deep vein thrombosis (DVT) on flights, so move around regularly and wear compression socks to help prevent a blood clot.

Speak to your doctor before flying to get specialised advice.

What to avoid on holiday with a heart condition

Specific temperatures and activities on holiday could worsen your heart disease symptoms. You should avoid:

• Very hot or cold locations. Your heart will have to work harder, which can cause medical issues. Try to visit places with a mild climate and avoid using spa facilities like hot tubs, saunas or steam rooms.
• Travel to high altitudes. High altitudes can affect your heart, lungs and blood flow as the air is thinner, and it’s harder to take in the oxygen your body needs. Check with your doctor before travelling to anywhere 2,000 metres above sea level.
• Adventurous sports. Things like diving, skiing or other adventurous activities can strain your body and heart. You’ll need the go-ahead from your doctor to take part, but you should speak to your insurer too, as we might not cover you if you’re going to take part in high-risk activities.   

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Heart Condition Travel Insurance

Compare cover from as little as £8.71*.

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Travel insurance for people with heart conditions

We understand how difficult it can be to find competitive travel insurance when you have a heart condition - so we’re making it easier for you!

With Medical Travel Compared , you can compare fast quotes for specialist travel insurance for pre-existing heart conditions in a matter of minutes.

Compare heart condition insurance policies across over 30 well-known and reliable insurance providers to find excellent cover at an amazing value. You’ll find suitable travel insurance for someone with a heart condition in no time - meaning you can get back to planning your holiday!

There are a number of things to consider when travelling with a heart condition, so it’s important to ensure you have the right travel insurance to give you the peace of mind you need to enjoy your holiday.

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

Do I need to declare my heart condition for holiday insurance?

It’s important to declare any heart conditions in order to compare quotes for the specialist cover you need.

This applies if:

• You’ve recently been diagnosed and are receiving treatment for a heart condition
• You’ve EVER been diagnosed with a heart condition in the past
• You’ve had a heart attack - but since made a full recovery

Getting a quote with us is easy and quick. 

During the process, it’s likely that you will need to answer some questions based on the specific nature of your condition.

The answers you provide enable us to gather more of an understanding of your medical history. This helps us to provide you with quotes from a range of different providers that you can compare.

What heart conditions can be covered with my travel insurance?

When it comes to heart-related conditions, there are many different types, and you may be wondering if yours will be covered.

The good news is that we can help you find cover for a variety of different heart conditions including: 

• Angioplasty
• Atrial Fibrillation
• Cardiomyopathy
• High Blood Pressure

You can even get travel insurance after a heart attack or travel insurance for heart failure for a lower price than you might imagine, and travelling after a heart event doesn’t need to be off-limits with the right cover and considerations.

Top tips for travelling if you've had a heart attack

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

Having a heart attack is understandably a scary experience but advances in treatment mean that survival rates have never been better. Having a heart attack certainly shouldn't stop you from enjoying holidays in the future, but you do need to take extra precautions.

• You need to declare any heart condition to your travel insurance company before you book if you've ever been diagnosed with a heart condition, including a heart attack, even if you've made a full recovery. If you don't declare this, it could invalidate your travel insurance.
• How soon you can fly after you've had a heart attack depends on your risk of another heart attack – never fly unless you've been advised by your medical team that it’s safe to do so.
• If you're at very low risk of a second heart attack, you may be able to fly in as little as three days after your heart attack, according to the NHS. However, this is unusual: you'd usually need to be under 65 years old, have no complications, have no history of a heart attack in the past and have no further treatment planned.
• If you're over 65 or have had a heart attack in the past, your doctor may advise you can fly 7 - 10 days after, so as long as you don't have any symptoms or complications and no more treatment is planned. As before, always check with your medical team that it's safe for you to fly.
• If you've had a heart attack, you should not drive for at least four weeks: this may be longer if you haven't made a full recovery. If you're planning to hire a car while abroad, check the regulations in the country you're travelling to before you get behind the wheel.
• Many people with heart attacks have high blood pressure. This shouldn't stop you from flying as long as your blood pressure is controlled.
• If you've had a heart attack, you'll almost certainly be taking several medications to reduce your risks – including medicine to lower your blood pressure and cholesterol and prevent your blood from clotting too easily. Order your medication from your GP well in advance, to make sure you have enough for the whole length of your holiday. Ideally, take a few days' extra supply in case of problems or delays while you're abroad.
• Carry your medication with you in your hand luggage, along with a copy of your repeat prescription and a letter from your doctor if needed. Check you know the rules about carrying medicines in your hand luggage and taking medication abroad .
• Hot weather can put extra strain on your heart. Do make sure you avoid getting dehydrated and over-exposed in the sun. Remember that the sun's rays are usually at their most powerful between 11am and 3pm local time.
• If you've had a recent heart attack or heart surgery, avoid destinations at very high altitudes: air is thinner especially at more than 2,000 metres above sea level and this can increase the risk of angina or shortness of breath.
• Oxygen levels in aeroplane cabins are a little lower than at home, but if you can walk up a couple of flights of stairs without too much shortness of breath, you shouldn't have problems.
• Exercise is actively encouraged for those who have had a heart attack, as it can greatly strengthen your heart and lungs as well as help reduce the risk of another heart attack. However, do avoid strenuous exercise you're not used to, especially in hot weather, while you're on holiday and don't suddenly start doing a lot of exercise if you're not used to it: after a heart attack, you need to build up gradually.

What is covered by heart condition travel insurance?

This usually varies from provider to provider. 

Broadly speaking - any given travel insurance policy will include the following: 

• Cancellation
• Medical expenses & repatriation
• Theft/loss of belongings
• Personal accident

Cover will also depend on the nature of your condition (as per the answers you provide during the medical screening process, see below) and also whether you choose to select any optional extras. 

The level of cover will depend on the type of heart condition you have. Providers will also take into account your medical history.

There are also optional extras you can add to your policy such as gadget cover . 

And, depending on the type of holiday you’ve booked and activities listed on your itinerary - you might also be interested in cruise holiday cover or even winter sports cover .

Travel insurance for children with heart conditions

Under 16s with heart conditions can also be covered. 

You just need to declare their pre-existing conditions on their behalf when comparing quotes for travel insurance. 

This applies to single trip and annual trip policies - as well as family and group travel insurance policies.

Compare quotes from specialist heart condition insurance providers

Using our online quote comparison tool couldn’t be easier. The process literally takes minutes - so you can get back to the more exciting part of planning your holiday before you know it!

First of all, we need to know a few personal details about you and your trip. Then you can select the type of cover you need - whether that's single trip cover or an annual multi-trip policy (don’t forget to add optional extras if you need them!).

Then, you can declare your heart condition(s) including details on whether you have a pacemaker before comparing quotes. It’s as straightforward as that.

And, because we work with over 30 specialist medical travel insurance providers, you won’t struggle for choice!

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Frequently Asked Questions

It is simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Once you've declared all of your relevant pre-existing medical conditions, we'll only show you quotes based on the conditions you have told us about.

* Price is based on 1 traveller aged 61, who has declared Atrial Fibrillation and is travelling to France for 7 nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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Don't just take our word for it...

If we're unable to help you find cover for a pre-existing medical condition , the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their  website.

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Why Choose Able2Travel?

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Heart Conditions Travel Insurance

Able2Travel Heart Condition Travel Insurance

Able2travel travel insurance – a caring and sensitive travel insurance for people suffering from a heart condition..

Are you suffering from a heart condition and struggling to find suitable travel insurance for your trip? You are not by yourself, as according to the British Heart Foundation roughly 1 in 10 people in the UK suffer from a circulatory heart condition.

However, even if you are diagnosed with a heart condition, we believe everyone should have the opportunity to travel. At Able2Travel Travel Insurance, we are pleased to be able to assist our customers with our specialist heart condition Travel Insurance that is available as a Single Trip and Annual Multi-trip travel insurance for travellers with heart conditions (depending on age).

What Heart Conditions Has Able2Travel Travel Insurance Covered in the Past?

At Able2Travel Travel Insurance, we have been helping travellers who have been diagnosed with a heart condition in finding travel insurance cover for over 15 years. With our Able2Travel Travel Insurance for Heart Conditions, we have covered different heart conditions including the following:

• Atrial Fibrillation (one of the most common types of Arrhythmia Heart Conditions)
• Atrial Flutter
• Cardio Myopathy
• Heart Attack
• Heart Bypass
• Heart Failure
• Heart Pacemaker
• High Blood Pressure
• Ischaemic Heart Disease
• Tachycardia

So, if you are looking for holiday insurance for a specific heart condition, you can be assured of receiving a fast, sensitive, and competitively-priced travel insurance solution that does not get in the way of your travel plans.

Are You Looking for Travel Insurance While On A Waiting List?

If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition, this doesn’t necessarily mean you can’t or shouldn’t travel. Here at Able2Travel, there’s a strong possibility that we may be able to find you a Travel Insurance solution, so you can travel with peace of mind while on a waiting list.

We may even be able to find you cover just in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery, which many other insurance providers simply can’t offer.

To get a quote for Travel Insurance while on a waiting list for medical treatment, please contact Able2Travel on  +44 (0)1483 806 826  to speak with one of our specialists.

Is it needed to declare heart conditions on travel insurance?

Yes, since Heart Conditions are pre-existing medical conditions, it is important to declare any heart condition you may have when taking out a travel insurance policy at Able2Travel. If you do not declare this pre-existing medical condition, it can make your travel insurance policy invalid when it comes to making a claim.

You can declare your pre-existing heart condition for your travel insurance policy, by completing our medical screening process online and seeing if we can provide cover for it. Alternatively, you can speak with one of our specialists by the phone to complete this process.

Heart Condition Travel Insurance - What is Covered?

Our heart condition travel insurance policies offer competitive protection for your trip including a wide range of policy benefits such as:

• Trip Cancellation - up to £5,000
• Emergency Medical Cover – up to £10 million
• Baggage - up to £3,000
• Travel Delay & Missed Departure - up to £1,000
• Travel Accident - up to £20,000

Other Areas of Cover Included as Standard

• Cover for 1,000s of Medical Conditions
• Cruise Cover
• Loss of Travel Documents - up to £500
• Plus so much more...

Additional Cover Available

• Optional Sports Cover
• Additional Cover for your cruise - including missed port cover

Click here to see the full Able2Travel Travel Insurance Table of Benefits.

Able2Travel Travel Insurance has over 15 years of experience in finding travel insurance cover for travellers with medical conditions, so whether you are looking for travel insurance for a heart condition, cancer or for another medical problem, you can be assured of receiving a fast, sensitive and competitively priced heart condition travel insurance solution for your travel plans.

What COVID Cover Is Available on Able2Travel Travel Insurance For Those With Medical Conditions?

All our Able2Travel Medical Condition Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:

• Section A – Trip Cancellation
• Section B – Trip Interruption
• Section C – Travel Delay & Missed Departure
• Section F – Emergency Medical Cover/Dental Cover Abroad
• Section G - Emergency Transportation

You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording .

Click the “Get a Quote” button to get specialist medical travel insurance with COVID cover to protect your holiday.

Heart Condition Travel Insurance - Policy Features

Able2Travel Travel Insurance offers 3 levels of travel insurance cover for both Single Trip and Annual Multi-Trip travel insurance policies, enabling you to pick a travel policy that is suited for your individual needs.

The policy features table below will help you understand the different features on Single and Annual Multi-Trip travel insurance policies depending on the level of travel cover that you choose.

*Available to extend to 45 days or 60 days for an additional premium.

**Available to extend to 45 days for an additional premium.

If you would like to contact us either email us at: [email protected] , or call us on +44 (0)1483 806 826 .

How do I get a Heart Condition Travel Insurance Quote?

It’s quick and easy to get a quote for an Able2Travel Travel Insurance for a heart condition quote: just click the ‘Get a Quote’ button to get a fast heart condition travel insurance quote online, or if you prefer to speak with someone then you can call our team direct on 01483 806 826 .

All heart condition travel insurance enquiries are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our heart condition travel insurance specialists have access to a wide range of travel insurance options and will assist you in finding travel cover for all medical conditions. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the travel insurance with heart conditions cover you need with one call to Able2Travel Travel Insurance.

For a heart condition travel insurance quote please call 01483 806 826 or click the button below!

Get An Instant Travel Insurance Quote

Prefer to talk to us, additional policy options for pre-existing medical condition travel insurance, cruise cover option, winter sports cover option, sports travel insurance.

Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.

Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.

Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!

Important Information for Customers with Serious Medical Conditions

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

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• This insurance is suitable
• Travel Insurance

Travel Insurance for Heart Conditions

Conditions affecting the Heart can vary widely, in some cases only requiring monitoring or regular medication to have little impact on daily life; in other cases leading to the need to surgery, long-term careful management and some compromises both at home and when travelling. Buying the right Travel Insurance is an essential consideration for anyone with a Cardiovascular condition and a history of illness affecting the Heart can continue to have any impact on insurance cover for some time even after the condition has been corrected. Many travel insurance policies have exclusions or restrictions on existing medical conditions, so it is important to find a policy that takes into consideration both your medical history and current treatment so that you can travel with peace of mind. In the UK, over 7.5 million people are living with a Heart or Circulatory condition and whilst treatment and medication options are improving, Coronary Heart Disease remains a serious illness and the most common cause of Heart Attack. Travelling with inadequate insurance is never advisable, but for travellers with a current or historical Heart condition, comprehensive insurance is a must. We understand the importance of insurance cover for Cardiovascular and related conditions and our experienced Sales Consultants can guide you through the medical screening to help you choose the right cover for your needs . Worldwide Travel Insurance offers cover at competitive rates, with low medical endorsment premiums, giving you the cover you need at an affordable cost.

To find out more about insurance options for travellers affected by Diabetes, please call our office UK(+44) 01892 833338 or email us .

• Product Information
• Medical Conditions
• Sports & Activities

Benefits to travellers with Heart conditions when buying travel insurance with us:

• We offer a Specialist Screening service over the telephone for customers in the UK with medical conditions including Cardiovascular
• Medical screening is also available for some EU residents - please contact us for information
• For residents of other Countries, we are currently unable to screen existing medical conditions, so please contact us to discuss the policies we can offer
• In addition to our main range of comprehensive policies, we have insurance options with no age restrictions; cover for medical conditions whether long-term or recently diagnosed; cover for higher risk conditions. This enables us to assist you in finding the right cover for your individual needs
• We can cover UK and EU-based travellers with Heart Disease; Arrhythmia; Atherosclerosis; Angina; Atrial Fibrillation;Cardiomyopathy; Congenital Heart Disease; Ischaemic Heart Disease. We provide cover if you have had successful heart surgery; stenting; a Pacemaker fitted; Angioplasty; Cardioversion.
• Our policies can also insure many associated conditions including High Blood Pressure; High Cholesterol; Diabetes.
• our Sales Consultants are highly trained to provide a friendly, sympathetic and professional service.

Buy travel insurance from the experts...

• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund if you have not travelled and no claim has arisen.

Customers with Serious Medical Conditions

If you are resident in the UK, the Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help. Go to www.moneyadviceservice.org.uk or call 0800 138 7777 (Mon to Fri 8am – 6pm).

A wide range of Insurance Policies to suit your individual needs

Our policies include:.

Your security with Worldwide Travel Insurance:

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Free Spirit

Medical Travel Insurance With No Age Limits

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Travel insurance with medical conditions and disabilities

At Free Spirit, we’re proud to be different. We aim to provide travel insurance with medical conditions that covers pre-existing conditions and disabilities for people of any age. This is what makes us different to standard travel insurance providers; we do our upmost to help people with medical conditions and disabilities have the holiday or trip away they deserve.

Specialist travel insurance with medical conditions

As the first specialist travel insurance scheme of its type, Free Spirit is dedicated to those who have been declined travel insurance cover elsewhere due to their health. Ours is now one of the UK’s largest medical travel insurance schemes for people with pre-existing conditions and disabilities.

So, don’t worry if you have struggled to find travel insurance for your medical condition or disability in the past. We’ll do all we can to offer you a specialist travel insurance policy to suit you.

What are pre-existing medical conditions?

Essentially, a pre-existing medical condition can be defined as anything you’ve received a diagnosis for, or take prescribed medication for.

At Free Spirit, we do our best to offer travel insurance for almost any pre-existing condition or disability. Some of the most common medical condition we cover include:

• High blood pressure
• Type 2 diabetes
• Heart attack
• Atrial fibrillation
• Breast cancer
• Chronic obstructive pulmonary disease (COPD)
• Kidney conditions

Take a look at our more detailed list below of medical conditions and disabilities that Free Spirit can cover.

Free quote for travel insurance cover for medical conditions

When looking for a quote for travel insurance to cover your pre-existing condition, it’s vital to let the insurance provider know your full medical history, as failing to mention any medical condition could invalidate your policy. It’s also important to answer all medical questions accurately as providing incorrect answers could affect any claim you make.

At Free Spirit, our medical screening process is designed to enable you to declare all of your medical conditions and answer a series of simple questions, so that you get the cover that’s right for you.

Why is it so important to cover your pre-existing medical conditions before you travel?

While it’s not a legal requirement to have travel insurance for pre-existing conditions and disabilities in place, if you needed to cancel your trip due to your medical condition without insurance, you could be liable for loss of deposit or cancellation costs. Having specialist travel insurance means you will be protected for irrecoverable costs that you incur. Equally, your travelling companions will also be covered provided they are included on your policy. It’s important to read the Insurance Policy as terms and conditions will apply.

The importance of cover for your pre-existing medical conditions when you travel

One of the main reasons people purchase travel insurance is to cover themselves for emergency medical expenses. Provided you have declared your medical condition(s), you will be protected whilst travelling in the event you have a medical emergency due to your pre-existing medical condition and need treatment. Without the correct cover in place, you could be faced with having to pay thousands of pounds for medical costs or repatriation charges.

Plenty of standard travel insurance providers offer cheap prices, but it’s unlikely they will include the level of cover you need for your medical condition or disability.

Many of these insurance providers will exclude cover for health conditions, or may simply refuse to offer travel insurance for pre-existing medical condition s or disabilities altogether. This can lead to people travelling abroad without adequate cover, but it’s simply not worth the gamble. Not only can this put your health at risk but it can also leave you liable for enormous bills if you need medical treatment while overseas, or if you need to be repatriated back home.

Is there really no age limit to Free Spirit medical travel insurance?

Our travel insurance for medical conditions and disabilities has no upper age limit , so whatever your age you can ensure you are covered when you go on holiday.

• We can offer over 65s cover for single trips of up to 115 days or up to 45 days if you are aged 76 years or over.
• Our cover for over 70s can include an unlimited number of trips with an annual multi-trip

Over 80s and over 90s

• For over 80s and over 90s , we can offer cover for single trips of up to 45 days.

Your medical travel insurance checklist

Make sure to consider these key features when looking for travel insurance for medical conditions or disabilities:

1. When should I purchase cover?

It’s best to take out your travel insurance as soon as you have booked your trip so that you have the benefit of cancellation cover.

With an Annual Multi-trip policy, cancellation cover begins on the date you choose to start your policy. If you already have a trip booked and you want to be covered immediately, you should select today’s date.

With Free Spirit, you can choose to start your Annual Multi-trip policy later (up to 32 days from today’s date) but there would not be any cancellation cover between now and the start date you choose.

2. Can you add your travelling companions to your policy?

With Free Spirit, you can. They too can claim if you needed to cancel your holiday because of your pre-existing medical condition or if your trip had to be cut short because you became unwell.

3. Does your insurance provider understand your health needs?

A specialist provider like Free Spirit will be more sympathetic to your unique medical needs. Our travel insurance policies are specially designed for people like you.

4. Do you have the freedom to travel where you want to?

We believe if you are well enough to travel to your dream destination, you should be covered to do so. Free Spirit will aim to cover your medical conditions or disability throughout Europe, as well as further afield such as the USA, Canada or the Caribbean (although these countries mean higher premiums).

5. Will you be covered for other essential aspects of travel?

Make sure your policy has cover not just for emergency medical and cancellation costs, but for your personal belongings and travel documents too. If your flight is late leaving, will you be covered for travel delay or journey disruption? How about if you lose your prescribed medication or medical aids? With Free Spirit, you’re covered*.

6. What medical questions will I be asked when I apply for a quote?

You will be asked a series of questions relating to your specific medical condition. It is important to have all that information to hand when you are applying for a quote so you can accurately answer all the questions.

Insurers do not normally ask to see your formal medical records when you apply for travel insurance, but may request them if you make a claim.

7. Can I obtain travel insurance if my condition is terminal?

Free Spirit is one of the few specialist providers that can provide cover for people with terminal or life-limiting conditions. For a quotation, please call us on 02392 419 080 .

8. I am on a waiting list for treatment/investigation, can I apply for cover?

Unfortunately, we are unable to provide cover under these circumstances. However, we will be able to consider quoting once all treatment and or investigation have been completed (including results).

9. What is the excess on the policy?

Check the excess you will have to pay in the event of a claim. Some standard travel insurance policies with cheap rates may be tempting, but the excess can catch you out! Our policy excess is never more than £100 per person.

10. Am I covered for taking part in activities whilst I’m away?

If you are planning to take part in activities on holiday, it’s important to check if you are covered. Free Spirit provides cover for over 100 activities free of charge .

11. Does the policy include cover for medical aids and medication?

For those travelling with a medical condition, the chances are that you will be taking medication with you. The Free Spirit policy includes cover for loss or damage to medical aids up to £1,000 (‘Super’ cover) and up to £2,000 (‘Super’ Duper). Loss or damage to prescribed medication is covered up to £250 (‘Super’ cover) and up to £500 (‘Super Duper’ cover).

Comparing medical travel insurance – The pre-existing medical conditions and disabilities we cover

We aim to provide specialist travel insurance for virtually any medical condition or disability, including:

Cancer (all types) Travel Insurance

We are specialists in providing cover for all types of cancer, including:

• Bone cancer
• Brain cancer
• Cervical cancer
• Liver cancer
• Lung cancer
• Kidney cancer
• Oesophageal cancer
• Ovarian cancer
• Prostate cancer
• Skin cancer
• Thyroid cancer

Heart Condition Travel Insurance

Don’t let a heart condition stop you from travelling. Get a specialist quote and cover today from Free Spirit.

• Cardiomyopathy
• Heart Failure
• Heart Disease
• Vascular Disease

Mental Health Travel Insurance

If you have a mental health condition, we can provide you with the cover you need when you travel abroad.

• Bipolar affective disorder
• Schizophrenia

Brain and Cerebral Conditions Travel Insurance

Most types of brain-related condition can be covered with Free Spirit travel insurance.

• Alzheimer’s
• Cerebral Palsy

HIV and AIDS Travel Insurance

With Free Spirit, you get travel insurance to cover HIV and AIDS that includes cover for the complications that may occur as a result of the condition.

Back Problems and Neck Conditions Travel Insurance

Free Spirit can provide travel insurance for people with back problems. No matter what the issue, we hope to be able to offer you the peace of mind you need when you travel.

Circulatory and Blood Conditions Travel Insurance

Don’t let circulatory conditions stop you from travelling. Our specialist travel insurance includes cover for loss or damage to prescribed medications.

• High cholesterol
• Hypertension
• Peripheral vascular disease

Bowel and Bladder Conditions Travel Insurance

Travelling with a bowel condition can be uncomfortable. Take the stress out of your planning and get a travel insurance quote and cover with Free Spirit

• Ulcerative colitis
• Crohn’s
• Irritable bowel disease (IBS)
• Bowel adhesions
• Bowel prolapse
• Perforated bowel
• Twisted bowel
• Bowel obstruction/blockage
• Diverticulitis

Central Nervous System Disorders Travel Insurance

Most types of central nervous system disorder can be included in your travel insurance cover with us.

• Cerebral palsy
• Multiple Sclerosis (MS)
• Muscular Dystrophy
• Motor Neurone Disease
• Parkinson’s

Breathing and Lung Conditions Travel Insurance

Most pre-existing breathing conditions will need specialist travel insurance. Cover yourself with Free Spirit’s specialist travel insurance policy.

• Cystic fibrosis
• Lung disease
• Sleep apnea

Joint and Bone Conditions Travel Insurance

We can provide travel insurance for people with pre-existing joint conditions.

• Brittle bone disease
• Broken bone
• Osteoporosis

Kidney Conditions Travel Insurance

If you have a kidney condition, travel insurance that covers it can be hard to find. Use our online medical screening and get an immediate quote.

• Kidney disease
• Kidney infections
• Renal failure
• Kidney Transplant
• Renal Tract infections

Rare Conditions Travel Insurance

Protect yourself when you travel with medical condition travel insurance. Make sure you disclose your rare condition when you get a quote and purchase your Free Spirit policy.

• Genetic disorders
• Epidermolysis bullosa
• Neuroendocrine cancer

Liver Conditions Travel Insurance

Pre-existing conditions relating to the liver may be covered by Free Spirit travel insurance. Apply for cover today for peace of mind travel.

• Fatty liver
• Gall stones
• Liver failure

Disability Travel Insurance

Don’t let a disability stop you from travelling. We cater to a number of different disabilities and include cover for loss or damage to medical aids and prescribed medications.

• Motor neurone

Organ Transplant Travel Insurance

If you have had an organ transplant, it can be hard to find the travel insurance cover you need.

• Heart transplant
• Kidney transplant
• Liver transplant
• Lung transplant
• Pancreas transplant

Call us today on 02392 419 080 and talk to our friendly staff.

*As with all travel insurance policies, terms, conditions and exclusions will apply.

CUSTOMER REVIEWS

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Testimonials

I have assisted my friends one of whom has medical conditions with obtaining insurance cover with Free Spirit. This is the fifth year with Free Spirit…

Brilliant company and brilliant prices for people who have health issues and need holiday insurance, the site was easy to use no hassle. My condition …

Just wanted to pass on my gratitude to your team efforts in getting our insurance cover so quickly. Your customer services department filled me with c…

I felt it was only fair to say thank you for a job well done on our behalf without much upset. I was gutted that we had to cancel our special cruise a…

We were very happy with the service we received from Free Spirit, our medical expenses claim was settled hassle free.

As on our previous experience with Free Spirit we again have nothing but praise for your service. The medical questions asked initially were adequate …

I wanted to commend you on a very pleasant and courteous customer service operator I spoke to regarding my travel insurance cover. Having numerous exi…

Free Spirit and the assistance company have given us really good service and I shall have no hesitation in recommending your services.

I would just like to say how impressed I have been with the way the business has been conducted and my compliments to Emma and Lauren that I have been…

I would recommend Free Spirit for their excellent value medical condition travel insurance.

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What's the Best Travel Insurance for Pre-Existing Medical Conditions?

You may think that a pre-existing condition means anything you’re being treated for at the time you purchase your travel insurance. The definition is actually broader than that. Allianz Global Assistance defines a pre-existing medical condition as:

An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy:

• Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
• Presented symptoms; or
• Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

It’s important to know that the illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Let’s consider a few scenarios:

• Sudden, debilitating pain in an arthritic knee forces you to cancel your planned trekking tour of Iceland. Because you consulted your doctor about knee twinges three months ago, it’s considered a pre-existing condition.
• While sightseeing in Shanghai, you suffer a mild heart attack. Because you were diagnosed with coronary heart disease three weeks before purchasing travel insurance, this is considered a pre-existing condition.
• You were diagnosed with lupus many years ago, but it’s been in remission. You feel pretty good when you book your cruise to Bermuda, except for some fatigue and a rash. Then the Caribbean sun triggers a serious lupus flare, sending you to the hospital. Because you had symptoms when you booked your trip, this is considered a pre-existing condition.

2. Travel insurance requirements for covering pre-existing medical conditions 

If you’re dealing with a pre-existing medical condition, that does not mean you can’t get travel insurance, or that you shouldn’t travel at all. You just have to read the insurance policy documents very carefully to make sure you meet all the requirements. As Conde Nast Traveler puts it , “it’s best not to make assumptions. Returning home in pain is bad enough. Don’t intensify it by unnecessarily paying thousands of dollars you could use on your next trip.”

Certain Allianz Global Assistance plans can include pre-existing medical condition coverage as long as you:

• Your policy was purchased within the time frame specified in your plan (usually 14 days of the date of the first trip payment or deposit.) In other words, don’t dawdle! Buy travel insurance as soon as you book your trip, so you don’t forget.
• Are a U.S. resident.
• Make sure you’re medically able to travel on the day you purchase the plan. Don’t assume you’re cleared to travel just because you feel OK that day. If you’re living with a chronic condition, or if you’ve recently had surgery or cancer treatment, it’s wise to get written approval to travel from your doctor.
• On the policy purchase date, insure the full non-refundable cost of your trip with Allianz Global Assistance — including trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. Make sure you include your airfare, hotel reservations, tour bookings and any other nonrefundable costs when you’re insuring your trip. If you incur additional non-refundable trip expenses after you purchase your policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.

3. What’s excluded from travel insurance coverage for pre-existing conditions

While most pre-existing conditions are covered by Allianz Global Assistance travel insurance, there are a few exceptions. Mental and nervous health disorders and normal pregnancy aren’t covered, for instance. If you want to make sure your particular condition is covered, speak with an insurance specialist before you buy.

Also, check the cap on trip costs. For the OneTrip Prime Plan , for instance, the total cost of your trip must be no more than $50,000 per person.

Why Allianz Global Assistance offers the best travel insurance for pre-existing medical conditions 

If you have any kind of chronic health problem, travel insurance can save your vacation — or even your life. The best travel insurance for pre-existing conditions is the OneTrip Prime Plan from Allianz Global Assistance, which includes abundant coverage for covered emergency medical expenses overseas (up to $50,000). You also get emergency medical transportation benefits up to $500,000 to travel to the nearest appropriate medical facility or to return home. This is huge, especially if you suffer from a serious condition that might require advanced treatment. The OneTrip Premier Plan doubles these amounts.

Travel insurance from Allianz Global Assistance also can include trip cancellation and interruption benefits to reimburse you for non-refundable trip payments, in case you have to cancel your travel because of your covered pre-existing medical condition or another covered reason. You also get personalized, one-on-one help in emergencies from our hotline staff. Every day they help travelers who are suffering medical emergencies, lost documents, travel delays and other crises, all around the globe. But, our hotline experts say, the toughest thing they deal with is having to tell a customer who’s seriously ill that their pre-existing medical condition's not covered. That’s why it’s so important to follow the rules and meet the requirements.

Have questions about how to choose the best travel insurance for your covered pre-existing medical condition? Call our travel insurance advisers anytime at 1-866-884-3556. Travel happy!

Related Articles

• Trip Cancellation Insurance: Covered Reasons Explained
• When Does Travel Insurance Cover Existing Medical Conditions?
• Travel Insurance 101: Covered Illnesses

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HelloSafe » Travel Insurance » Medical Travel Insurances » Hearth Conditions Patients: Which Travel Insurance?

Hearth Conditions: Which Travel Insurance?

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Table of Contents

Do you have (or have you had) heart conditions and would like to get travel insurance for your coming trip in case you face medical expenses abroad?

Travel insurance that covers heart conditions treatment can be hard to find or very expensive. But you’ve come to the right place.

In this guide, we will explain everything you need to know about heart conditions travel insurance: is heart conditions travel insurance compulsory? What specific medical cover should you get if you have or have had heart conditions? What are the best heart conditions travel insurance companies and how much will you pay? Let’s dive in!

Why do I need travel insurance if I have (or have had) heart conditions?

Travel insurance for heart conditions patients is not compulsory.

However, you should know that your national healthcare cover, your European Health Insurance Card (if you are travelling in Europe), your credit card travel insurance or any other kind of assistance you would have as a country resident or citizen, may not be sufficient to cover any medical expenses you may have abroad.

Some countries may ask for valid proof of travel insurance to deliver visas, whether you have pre-existing medical conditions or not. 

Much more than a nice-to-have, travel insurance is one of the highest value-for-money insurance products, especially for people with heart conditions.

A recent study from Which has shown that in around 10000 UK travellers in 2018, 64% of them have already had medical treatment while travelling abroad. The average spend of medical care abroad is around £1300. But it can be much more.

As a heart conditions sufferer, you may especially face expenses such as:

Travelling in Europe, what does my European Health Insurance Card cover?

As a current or former heart conditions sufferer, always remember that while travelling in Europe, your first ally is your EHIC card. Your EHIC card will cover for any treatment you may need abroad, including any treatment linked to a pre-existing heart conditions.

Remember that your EHIC will only cover you until 31/12/2020, the time of Brexit. Make sure you have both EHIC and travel insurance before travelling. Many insurers will ask you to get your EHIC if travelling in Europe, and would waive the excess if you have a valid card with you.

If you are going to Australia or New Zealand, the UK also has specific healthcare system cooperation programs. 

For any specific information on the European Health Insurance Card, check out the NHS website .

Can I easily get travel insurance with or after heart conditions?

If you have been diagnosed with heart conditions, whether you are in remission or not, you may find it difficult to find cheap heart conditions travel insurance that will cover you for your trip without major exclusions.

Getting travel insurance after heart conditions can indeed be very time-consuming and you could end up paying three or four times the price people without a medical history would pay for a standard cover policy.

Unfortunately, insurers will see you as being at higher risk of making a claim such as:

• Cancelling your trip for reasons due to heart conditions, such as an important medical appointment being postponed
• Needing expensive medical treatment linked to your heart conditions while travelling abroad
• Needing repatriation to the UK.

We all agree that this is unfair, especially, for example, if you are in a very stable condition. But don’t worry, some insurers – fortunately – have agreed to cover people at higher risk. You could get travel insurance post heart conditions either through:

• Companies that will provide you with standard cover as they would do for any other tourist, but may invalidate any claim due to your treated heart conditions (if you are sure about your recovery and only need cover for a few days trip, for example);
• Or specialised travel insurance for heart conditions sufferers (or other existing medical conditions).

We are here to help you find the best and cheapest travel insurance after heart conditions surgery depending on your current medical condition, your age, the length and destination of your trip, etc.

What are the best travel insurance policies for heart conditions patients?

You will find below a list of specialist travel insurance policies for heart conditions patients – as well as for those with other pre-existing medical conditions – who will provide you with good cover and dedicated assistance.

All the above insurers are specialists in covering pre-existing medical conditions. Unless it is clearly mentioned in the features, they all use the Verisk screening system and apply a change in health disclosure in their policy which will allow them to inflate premiums and change or cancel your travel insurance policy if an unexpected event related to your healthcare occurs before your trip.

Find out more cheap travel insurance for heart conditions with our 100% anonymous tool.

Do I need to declare heart conditions for travel insurance?

You are required by law to declare any pre-existing medical condition when purchasing an insurance policy.

A pre-existing medical condition is typically one for which you have been diagnosed and have received treatment before you apply for any travel insurance policy, regardless of whether this is short- or long-term.

Therefore, heart conditions counts as a pre-existing medical condition. You are therefore required to declare your heart conditions to your insurer, whether you are in remission or not.

Good to know

Not disclosing your heart conditions could invalidate your claim as well as your entire travel insurance policy.

How does heart conditions screening for travel insurance work?

If you have heart conditions, or any pre-medical condition, you are more likely to be screened before applying for a policy.

On insurers’ websites, you’ll be asked to answer a set of questions administered most of the time by the Verisk medical screening system before getting quote results. Some insurers may have their own set of questions and may attribute their risk rating based on your answers.

Those questions are the most common ones you may find on insurer's websites. In the case that there is no screening system on an insurer’s website, you will need to disclose any health condition by contacting your insurer directly.

How much is heart conditions travel insurance?

Here are some indicative quotes for single trip and annual travel insurance for heart conditions patients:

* Quotes above are only indicative and for heart conditions with no recent complications.

It is quite difficult to give precise ranges of how much heart conditions care travel insurance is. Prices are based on a wide range of criteria and will not only depend on your pre-existing medical condition, but also:

• Your age and destination
• If you’re going for a single or annual multi-trip, as mentioned above
• If you’re subscribing to upgrades such as cruise, business or gadget cover
• The length of your stay abroad
• If you’re travelling alone, with your partner, a group or your family
• The financial limits you’d like to get in case of a claim
• The excess amount you’re willing to pay
• What you will be doing abroad (e.g. winter or extreme sports).

What is usually covered by heart conditions travel insurance?

Insurers covering a pre-existing medical condition such as heart conditions often provide a high compensation amount for trip cancellation, medical expenses and repatriation.

Here is a typical list of what you should pay attention to while applying for heart conditions travel insurance cover:

Besides compensation limits, you should also go for a company including specific healthcare upgrades as standard such as:

• Bespoke medical screening before applying for travel insurance : the possibility to easily talk to someone and find the right cover for your needs (especially for terminal illness)
• UK-based 24/7 assistance helpline while you’re abroad : dedicated free-of-charge landline to get healthcare advice and help in finding the right doctor or hospital abroad, reactive assistance, etc.

If you are about to make a medical claim while you are abroad, we advise you to get your insurer to accept it first and pay upfront. In the case you need to pay up front, always keep receipts and submit your claim as soon as possible. 

What is not covered by heart conditions travel insurance?

That will vary from one insurer to another.

Besides the main exclusions usually found in insurers’ policy booklets (terrorism, strikes, natural disasters, claims related to drug, alcohol, etc.), regarding pre-existing travel insurance, your claim may be invalidated:

• If you are travelling without your doctor’s consent
• If you have been told you have a terminal illness and you have applied for travel insurance without saying so
• If you are waiting for a diagnosis or medical treatment at the time of applying.

Does travel insurance cover terminal heart conditions?

As said above, most insurers will not cover any terminal illness diagnosed, and therefore won’t cover incurable heart conditions.

However, we’ve come up with a list of companies still offering cover for people with terminal heart conditions depending on the length and destination of your trip, the stability of your medical condition and your doctor’s consent:

Most of the time, insurance companies will still ask you a minimum duration between your prognosis and your return travel date. You should also know that no insurer will cover you for your trip against your doctor’s consent.

What if I am diagnosed with heart conditions after having applied for travel insurance?

When it comes to medical condition travel insurance, insurers often add an ‘ongoing duty of disclosure’.

It basically means that if any important change related to your healthcare occurs after you applied for travel insurance policy, they have the right to either:

• Screen you again;
• Raise your premiums;
• Change your policy contract;
• Cancel your policy.

Most of the time, if your health condition changes, insurers will either:

• Provide you with new travel insurance for your new health condition with an additional fee;
• Provide you the same insurance but the new condition will be excluded;
• Or simply offer no cover, as they consider your condition too risky.

Ask for a pro rata refund or full refund if they cancel or change your policy before you make any claim. 

Can you travel abroad with heart conditions?

The short answer is yes, of course.

However, here are some tips we would advise you to carefully read:

• Get your doctor’s consent and advice before travelling with past or current heart conditions.
• Get any vaccinations needed.
• Get the right heart conditions travel insurance for your trip, covering treatment linked to your disease and any medical care you may need abroad, and carefully read your policy booklet (exclusions, limits and deductible amounts, etc.)
• If you are not in remission, be sure that the trip will not be too much effort and not too tiring for your medical condition.
• Remain prudent and take with you your doctor’s phone numbers and local emergency contact details. If possible, travel with someone.
• Make a list of needed medication and keep them in their original packaging (for customs) and store them safely. Prepare back-up meds.

Top 5 tips to get cheaper travel insurance quotes for heart conditions victims

If you have or ever had heart conditions, here are some tips you may like to use to lower your insurance premiums:

• Use our comparison table to find out which companies are the best and the cheapest for heart conditions patients.
• Take your phone and try to speak to humans! If you have someone on the phone, they are more likely to understand your heart conditions medical situation and find you the appropriate cover.
• Go for single trip cover rather than annual multi-trip . You’ll be seen as a lower risk traveller as you will only need cover for a defined stay.
• Change your destination and opt for European trip rather than a roadtrip across the USA’s legendary Route 66! You’ll be less likely to make a very high medical care claim, which could see your premium go down.
• Benefit from a joint travel policy discount, insuring both your partner or family and yourself.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

Specialist Travel Insurance

Travellers with medical conditions, aged over 65 or pregnant.

Getting  travel insurance  is usually an easy task, but for travellers who are pregnant, over the age of 60 or who have pre-existing medical conditions, it can sometimes seem like a difficult process. And since the Coronavirus pandemic, there are now other potential complications to consider when purchasing travel cover, making it seem all the more tricky.  

Thankfully, there is specialist cover available for travellers who may pose a higher risk to insurers, depending on their needs and health status.  

In this guide, we tell you what medical conditions need to be declared when applying for travel cover, what the different types of specialist travel insurance policies are and the penalties for not disclosing information to your insurer.  

In this guide:

Why is travel insurance important and what does it cover?

What type of travel insurance do I need?

What medical conditions need to be declared?

What happens if you don't declare medical conditions?

Types of specialist travel insurance policies

Does travel insurance cover Coronavirus?

Why  is it  important to have travel insurance and what does it cover?  

When going on holiday or travelling abroad for purposes other than leisure, it is important to have a travel insurance policy in place to financially cover you for unexpected events that may occur during your trip.  

A travel cover policy will protect you if you experience any of the following situations while travelling:  

• Lost or stolen luggage
• Cancellations (due to medical reasons)
• Emergency medical costs

And most comprehensive policies will also provide the following:  

• Death and disability cover
• Personal liability cover
• Luggage cover
• Cover if you’ve had to extend your trip as a result of bad weather

All travel insurance policies differ, however, so be sure that you fully understand what you are covered for and what you are not covered for before you purchase one. It is highly important that your policy is right for your needs, particularly as Coronavirus restrictions may now be included in policies.  

While we are incredibly lucky to have the NHS in the UK, British people travelling abroad are very unlikely to have access to free healthcare, and even a small medical emergency could set you back hundreds of pounds - even thousands or millions, depending on your situation.  

With a travel insurance policy, you get the peace of mind that you are covered for such high costs if something were to go suddenly wrong while abroad on your travels.  

Read more:  Travel Insurance Explained  

What type of travel insurance do I need? 

If you’ve planned a weekend away or a week abroad this year, then you will need a single trip travel insurance policy.  

If you are travelling more than twice in one year, however, you will need either a multi-trip or annual holiday insurance policy. This type also tends to be more cost-effective than getting several single travel policies.  

If you are a single parent, travelling as a couple or with your family, you should also be able to get tailored policies to suit your situation.  

Generally, people tend to get standard travel insurance, but there are many instances where an individual will need a specialist policy.  

Do I need a specialist policy? 

If you are over the age of 60, you have a pre-existing medical condition or you are pregnant, then it is likely you will need a specialist travel insurance policy.  

You may also need tailored cover if you are looking to take a more adventurous journey, such as a gap year, or you’re planning on doing some extreme activities while abroad.  

Many travel insurance companies will tailor their cover to suit your needs, while others may only provide standard cover, so you’ll need to compare a range of deals and quotes offered by different companies in the UK to find one that provides insurance that suits you and your budget.  

Alternatively, you can contact a travel insurance broker who will do this for you, by searching through a range of policies and companies to find you the best deal.  

To see the different types of specialist cover available, see our  list of policies below .  

What medical conditions do you have to declare for travel insurance? 

When buying travel insurance, the insurer will want to know about any pre-existing medical conditions, in addition to your age and whether or not you are pregnant, of course.  

If you’ve experienced any physical or mental health conditions before, which you have seen your doctor about or which require you to take medication to manage and treat it, you must declare it to your insurer when purchasing cover.  

Each travel insurer differs, so some may want to know more about your condition(s) and look further into your medical history than others. Either way, it is important that you are completely honest about any past health issues, because if you don’t declare them, it could invalidate your policy when you need it.  

Will my medical condition affect my premiums? 

Each travel insurer will have a list of medical conditions that they provide cover for, and they will deem some conditions to be more serious than others. For more serious conditions, they may raise the cost due to the increased risk posed by the individual.  

Some insurers may not even provide cover to suit your needs or medical condition, however, so you will need to get specialist cover from a specialist provider if not.  

For less severe medical conditions that do not require ongoing treatment and aren’t deemed to be as high-risk as other conditions, such as asthma, you might be able to get standard cover without an increase in price, but it completely depends on the insurance company and the severity of your condition.  

Even if you don’t personally deem your condition to be very serious, you should still disclose it to your insurer to ensure you are fully covered for your journey.  

Coronavirus pandemic - Am I covered for Covid-19? 

Due to the Coronavirus outbreak, it is even more vital that you disclose any health-related conditions, as your condition may affect you more if you were to have Covid-19.  

If you have previously had Coronavirus, you must also declare this to your insurer as well as any other medical conditions, otherwise, you will not be fully covered and your policy may end up being invalid.  

Read more:  Refunds for Unused Travel Insurance During Coronavirus  

What happens if you don’t declare medical conditions for travel insurance? 

If you haven’t told the travel insurance company about your medical history, it is likely that any medical conditions you do have, no matter how serious, will not be included in your cover.

So, if you fall ill while abroad due to a pre-existing condition that you did not declare, you could end up having to pay a huge medical bill to cover the costs, as any claims you make on your policy will be invalidated.  

Additionally, if you don’t inform your insurer about any related illnesses that can occur as a result of your current condition, you will also not be covered for this.  

For example, if you have asthma and develop a severe chest condition while abroad, you will only be covered for related medical costs if you told your insurer about your asthma.  

Depending on your medical condition, your age and whether or not you are pregnant, this can all have a significant impact on the type of cover you need, as well as the cost.  

Policies differ from company to company, so you may need to do your research to find an insurer that is offering cover for your specific needs, or indeed use a broker to do all the hard work and find a policy best suited to you.  

In the UK, there are travel insurance policies available for people who need cover for:  

• Medical treatment abroad
• Cancellations that occur due to the illness of a family member
• General cancellations
• One way trips
• Travellers who have already left the UK
• Backpackers
• Business travel
• Travellers who are over 60 and 70 with medical conditions
• A child who is travelling alone
• Travellers who are disabled
• Women who are pregnant
• Taking part in extreme sports
• People who want to take a gap year  
• International students
• Non-UK residents
• Sports tours
• Working abroad
• Group travel

There is also specialist cover for specific medical conditions (including operations) such as:  

• Breast cancer
• Cancer (including those with leukaemia and in remission)
• Cystic fibrosis
• Mental illness (depression, anxiety, psychosis, etc)
• Diverticulitis
• Enlarged prostate
• Heart conditions (heart attack, heart failure, stroke, heart bypass, heart stent, valve repair, valve replacement)
• High blood pressure
• High cholesterol
• Joint replacement
• Transplant (kidney, liver, etc)

And it is also possible to get specialist cover:  

• Whilst awaiting diagnosis or treatment
• During or after chemotherapy
• Before or after radiotherapy

Does travel insurance cover Coronavirus? 

As the global Coronavirus pandemic alters and continues to affect travel plans, travel insurance companies are also constantly changing policies and terms to account for the crisis and the impact it’s had. If you have an existing travel insurance policy, such as annual cover for example, then you should contact your insurer to see where you stand.  

If your annual policy is due to be renewed, you should still be covered for problems relating to Coronavirus, provided you renew with the same company - but you should still check this with them. If you renew with a different insurer, you are unlikely to be covered for Covid-19.  

If you are looking to purchase a new travel insurance policy, it is important to remember that many companies will have exclusions regarding Coronavirus in their policies, so you must be sure to check with your insurer and make sure you fully understand what you are covered for and what you are not.  

Again, your best bet may be getting in touch with a travel insurance broker who can search the market to find you an insurer that offers policies covering Covid-19.  

Insurance advice with Compare UK Quotes 

It is important to remember the seriousness of disclosing medical conditions when purchasing cover, as the Coronavirus pandemic has understandably brought about many complexities and uncertainties regarding health and insurance.  

With any type of insurance, it’s always crucial that you remain truthful and open when purchasing cover, otherwise you risk voiding the policy if you ever need to make a claim, which defeats the whole purpose of getting cover in the first place.  

For more information regarding insurance, medical conditions and Coronavirus, see our related guides below.  

Related articles

Refunds for unused travel insurance during coronavirus, life insurance with an illness: a - z list of medical conditions, refunds on cancelled events & subscriptions due to coronavirus, latest news.

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Specialist travel insurance

Specialist travel insurance by AllClear is designed to provide travel insurance cover where other providers may not, for those of all ages. Our tailored policies cover pre-existing medical conditions, medical emergencies and cancellations. For peace of mind on your travels, get a quote today!

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Specialist travel insurance from allclear, our 5 star trustpilot rating.

Specialist travel insurance is designed to cover your medical conditions, unlike many standard policies. This type of travel insurance gives you peace of mind if have medical conditions and wish to travel. You will then be covered for medical emergencies, even those related to COVID-19, which is vital to prevent any unexpected medical bills while you’re away.

Many standard travel insurers have no appetite to offer specialist holiday insurance cover beyond a certain age and where medical conditions are involved, a fact recognised by AllClear when it launched 16 years ago.

In that time we have offered cover for over 1300 medical conditions and can rightly be described as travel insurance specialists.

Knowledge and choice

In 2010, AllClear became the first company to launch an online comparison website for specialist holiday insurance cover. A select panel of other travel insurance specialists were invited to join our panel of providers so we can truly offer the widest possible choice and a range of prices from those who most understand the cover needs of the customer.

Annual multi-trip or single trip specialist travel insurance?

We offer both variations and you need to consider carefully what best suits your needs.

If you have a number of planned trips over a 12 month period then annual multi-trip specialist holiday insurance is likely to be your best option.

There are some important elements of an annual multi-trip policy that you need to be aware of.

Maximum trip lengths vary by age and by the provider. It is important that before purchasing your specialist travel insurance that you check the maximum trip lengths for the provider you wish to select. AllClear annual multi-trip products have a maximum trip length of 31 days if you are 70 and over and 45 days if you under 70.

Additionally, all of your planned holidays or trips must originate and finish in the UK.

Where you may only have one holiday planned or a small number of short trips, then single trip travel insurance cover is likely to be a more suitable option.

It can also be a viable option if you plan an extended stay in one location – trip lengths in this scenario can be up to 92 days.

Is age a factor?

AllClear prides itself on being an inclusive brand. Our mission is to provide specialist travel insurance regardless of condition, age or destination.

During our relatively quick and easy to follow screening process you will be required to input your age but only those specialist travel insurance providers who offer cover for the age you have given will display prices.

Benefits of AllClear Cover

Simple 3 step quote process, 1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes.

We strive to ensure that we can deliver the widest possible choice for as many different medical conditions as possible. We believe we can genuinely say we are travel insurance specialists but don’t take our word for it.

Our customers are regularly invited to review both our service and products and we have currently received over 50,000 Trustpilot reviews.

We take our feedback seriously and monitor the reviews in order to continuously improve our customers’ experience.

AllClear is currently rated an outstanding five-stars with a TrustScore of 4.8 out of 5!

Read AllClear Trustpilot Reviews

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 24 November 2023

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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Introduction to HTH Worldwide Travel Insurance

• Plans Available
• How to Purchase and Manage Your Policy

HTH Worldwide Customer Service and Support Experience

Compare hth worldwide travel insurance.

• Why You Should Trust Us

HTH Worldwide Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate HTH Worldwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

HTH Worldwide provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

HTH Worldwide Travel Insurance FAQs

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

You can read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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