It doesn’t matter what age you are, a heart attack can happen anytime, anywhere. If you have a history of heart conditions and love travelling abroad, don’t forget to buy medical travel insurance. There are online insurance comparison websites that have many insurers on their database to choose from. Do a little research before deciding which policy to opt for.
You can easily find an insurer who offers great deals and discounts to anyone who isn’t 100% fit. You just have to be sensible about where you go and for how long. Remember one thing, you need to ensure you are covered when travelling with a heart condition, no matter where in the world you take a holiday.
Travellers with pre-existing medical conditions
As people age, health issues become a matter of great importance. Whether minor or serious, it’s important to have a medical insurance policy if you have any of the following:-
- High cholesterol
- High or low blood pressure
- A heart condition
It’s advisable to declare pre-existing medical conditions, past and current, when applying for travel insurance if you’re over the age of 65. The beauty of using online health insurance comparison sites is that you only need to complete a medical screening questionnaire once. This will save you time and cash.
Handy hints, tips and advice
Browse online to read the many handy hints, tips and advice when buying travel insurance. On some policies you can add your travelling companions to make sure they have added security if something untoward was to happen while away from home. Annual policies often specify the maximum number of days you can spend on a trip. If you’re on holiday for more than 31 days, check the policy terms to make sure you are fully covered.
Another useful tip if you’re travelling with a heart condition onboard a cruise ship for instance is cover will protect you if you:-
- Fall ill on the cruise
- Need to be airlifted to a mainland hospital
- Miss port departure for any reason
- Need to be confined to your cabin
There are online guides about buying travel insurance so make sure you read the small print before planning your next vacation.
Do’s and don’ts of travelling with a heart condition
It’s always good to know the things you should do and the things you shouldn’t do if travelling when you have a heart condition. Don’t get caught out, read about some of the following points:-
- Get insurance cover from the day you leave the UK until your return.
- Buy cover as soon as you have reserved your holiday to protect against cancellation.
- Get a quote for the Caribbean, Canada or the US before booking your trip. Insurance to these places can be slightly expensive especially for those people who have pre-existing medical conditions.
- Tell your insurer if you plan going on a cruise, if you don’t it could invalidate the policy.
- Mention if you are taking part in any activities like skiing or snowboarding and buy the relevant winter sports cover. This obviously won’t apply to holidaymakers who have trouble with their hearts.
Finally check the excess limit on the particular policy you decide to buy. This is the amount you will have to pay if you have to make a claim. Tell your insurer if you intend visiting more than one country, this will facilitate you having cover for all the places you go to.
On the “don’t” side:-
- Don’t omit any information which you feel might save you cash. Declare all of your medical conditions.
- If you have a pre-existing medical condition, with medical costs being so expensive abroad, don’t underestimate the importance of having the right travel insurance policy.
- Tell your insurer if you take any sort of precautionary medication, they want to know everything about you.
- Remember to take your EHIC card if you go to another EU country. This will give you access to local health care free of charge or a reduction in cost.
Above all, if you have any questions don’t hesitate to get in touch with online experts who know all there is to know about medical travel insurance for people with heart conditions.
Keep comparing prices of travel insurance
A good idea for holidaymakers with heart conditions is to keep comparing prices of travel insurance. Being over 60 can affect the price of your insurance policy too but it doesn’t mean you can’t go abroad anymore. By shopping around via online travel insurance comparison websites, you’re sure to find a policy within your budget and one that suits you perfectly.
There’s also the option to buy an annual or a single trip policy. It’s not worth paying extra if you’re not going outside Europe, so hang on to your money. Insurance companies advise choosing your destination wisely. For travellers with pre-existing medical conditions, your destination can make a huge difference to your travel insurance premium. Some countries operate a high level of health care which is very expensive, so do a little research before booking up.
Only pay for the cover you need, it’s not a good idea to pay over the odds for protection you really don’t require. Whatever your holiday is costing, find a travel insurance policy that will cover that exact amount and no more as you just won’t need the extra cover.
Last minute holidays may not need cancellation cover, so bear this in mind. It’s not necessary to pay for cancellation cover if there’s no risk that the holiday may be cancelled. Just pay for the:-
- Cover you need
- Protection if you have a heart condition
- A single trip or an annual multi trip
- Medical expenses if you’re going on a cruise
Be safe and buy the best travel insurance available from online insurance comparison companies and enjoy your holiday.