If you receive cover for any of these conditions
You may have to pay an extra premium or deal with special conditions, limitations and excesses on your policy.
Some heart conditions are more serious than others, but regardless of the severity, we can help you find travel insurance that will cover your heart condition. We've compared a host of travel insurance brands to see which ones consider pre-existing heart conditions and how you need to declare your condition when getting your policy.
Specialising in covering all pre-existing conditions - including heart-related issues like heart attacks, stents and those who have undergone pacemaker surgery - these brands don't have blanket exclusions, and consider all heart conditions, including severe ones.
|Travel insurance brand||How do I get considered for my heart condition?||Apply|
|You can declare your condition with a medical assessment||Get quote|
|Australia Post||You can do an online medical questionnaire and you may need to pay an additional premium||Get quote|
|AllClear||All heart conditions are considered||Get quote|
|You can do a medical screening online or over the phone and you may need to pay an additional premium||Get quote|
|InsureandGo||You can do a medical screening online or over the phone if you haven't had any heart complications in the last five years.||Get quote|
|Insure4less||You can do an online medical questionnaire||Get quote|
|Travel Insurance Saver||You can declare your condition with a medical assessment||Get quote|
|Virgin||You can submit a medical assessment over the phone or online||Get quote|
|youGo||You can do a medical assessment over the phone or online and you may need to pay a premium and get decreased cover limits||Get quote|
|You can select a Standard or Top cover plan and declare your condition||Get quote|
|Boomers||Apply online or call the contact number shown on the back cover of this PDS.||Get quote|
|Holiday Rescue||Complete assessment and contact provider.||Get quote|
|Apply online or call the contact number shown on the back cover of this PDS.||Get quote|
|itrek||Complete medical assessment and additional premium may apply.||Get quote|
|Complete medical assessment and additional premium may apply.||Get quote|
|Qantas||Complete medical assessment and additional premium may apply.||Get quote|
|Simply||Complete medical assessment and additional premium may apply.||Get quote|
|Webjet||Apply online or call the contact number shown on the back cover of this PDS. Additional premium may apply.||Get quote|
|World2cover||Apply online or call the contact number shown on the back cover of this PDS.||Get quote|
Although angioplasty is considered to be minimally invasive, if you've undergone angioplasty or had a stent fitted in your heart, insurers will class this as a pre-existing medical condition and you'll need to inform the insurer about it when you take out a policy.
You'll need to complete an assessment of your condition and provide the following information:
Some insurers will completely exclude atrial fibrillation. However, there are travel insurance brands that provide cover on a case-by-case basis. You'll need to complete a medical assessment so the insurer can better understand your situation.
Cardiomyopathy affects approximately 1 in 500 Australians. There are several types of cardiomyopathy, the most common being a dilated or enlarged heart, which can lead to fatigue, shortness of breath, heart palpitations, fainting and even chest pains.
Since there are sevveral types, the insurer assesses cardiomyopathy on a case-by-case basis when you apply for cover.
You'll need to complete a medical assessment so the insurer can better understand your situation.
If you have suffered a heart attack, you can still get travel insurance cover. As with any pre-existing medical condition, you must declare it to your insurer at the time you take out the policy. Whether the insurer covers you and how much it costs will depend on the following factors:
If you do receive cover, you'll likely have to pay an extra premium and deal with special conditions, limitations and excesses on your policy
If you've sought treatment for heart palpitations but fail to disclose this to your insurance provider, insurers will consider your heart palpitations a pre-existing heart-related condition even though it may not seem serious.
Any heart conditions that arise on your trip as a result of palpitations will not be covered without disclosure.
Many travel insurance providers will not provide overseas cover of expenses relating to an automated implantable cardioverter-defibrillator (ICD or AICD), and policies will specifically list it as a pre-existing condition.
This means standard policies may not cover any medical costs directly, or indirectly, related to the ICD, such as any other heart conditions which may be connected.
To get overseas medical cover for ICDs, you can either:
To make arrangements for ICD cover, you need to customise your policy around it, and at extra cost. This may let you get more flexibility, but can also cost more than finding a policy which includes cover for it by default.
It may be difficult to find travel insurance providers that cover ICDs. InsureAndGo is one of few options available, and has a range of benefits for travellers with pre-existing conditions such as options for unlimited medical cover, and does not require testing requirements prior to getting cover.
You may have to pay an extra premium or deal with special conditions, limitations and excesses on your policy.
The following factors will determine whether you can get cover:
A heart condition is basically any condition related to the heart that affects its operation or the blood vessels it connects with. A heart condition can affect the heart muscle, the valves, the heart’s rhythm or the blood vessels. Common heart conditions include the following:
It is vital that you declare your heart condition when you take out a policy as it is considered a pre-existing condition. An insurer's aim is to provide you with cover for an agreed level of risk and without disclosure of a pre-existing heart condition, the provider is taking on extra risk that they did not agree to. After you declare certain conditions, insurers will assess whether they will cover you as well as decide on the appropriate premiums if they do agree to cover you.
Although it seems like a shortcut to lowering your premiums, if you don’t declare your heart condition to your insurer and you have an incident on your holiday that is related to the heart condition, then you will not be covered for any medical treatment or hospital expenses incurred because of it. If you're in a country such as Japan or America, where healthcare is extremely expensive, then you'll be facing a huge bill that you'll have to pay yourself. Having booked his long-awaited European holiday, Matt was counting down the days until he would depart on his dream getaway. A couple of days before his departure, Matt visited his doctor for a heart check-up after noticing an irregular heartbeat. The condition was deemed non-life-threatening and although Matt was still awaiting test results, he headed off overseas without a care in the world. However, after a week in Amsterdam, Matt became hospitalised with hypertension (abnormally high blood pressure). Although Matt was sure these expenses would be covered by his travel insurance, when he phoned his insurance company, he received a nasty shock. Since he had the check-up before his departure, he was classified as having a pre-existing condition which he did not tell his insurer about. The medical and hospital costs he incurred overseas were excluded from cover, leaving Matt severely out of pocket and completely broke. Matt did not disclose his heart condition once he found out about it.
Matt's $2400 Check-up
Costs Matt faced
Cover received from his travel insurance provider
Having booked his long-awaited European holiday, Matt was counting down the days until he would depart on his dream getaway. A couple of days before his departure, Matt visited his doctor for a heart check-up after noticing an irregular heartbeat.
The condition was deemed non-life-threatening and although Matt was still awaiting test results, he headed off overseas without a care in the world. However, after a week in Amsterdam, Matt became hospitalised with hypertension (abnormally high blood pressure).
Although Matt was sure these expenses would be covered by his travel insurance, when he phoned his insurance company, he received a nasty shock. Since he had the check-up before his departure, he was classified as having a pre-existing condition which he did not tell his insurer about. The medical and hospital costs he incurred overseas were excluded from cover, leaving Matt severely out of pocket and completely broke.
Matt did not disclose his heart condition once he found out about it.
This shows the importance of reading the fine print of an insurance policy's PDS to make sure you’re fully aware of what is and isn’t covered. It also acts as a crucial reminder of how vital it is that you notify your insurer of any changes to your circumstances—no matter how insignificant they may seem.
Insurers offer different methods for you to disclose any pre-existing medical conditions and heart problems you may have. Depending on the insurer, you may have to do one or more of the following:
Once you’ve provided all the relevant information concerning your health, your insurer will provide a written notice to let you know whether you will be offered cover. You’ll also be notified of any special conditions or exclusions that may apply to your policy and of any premiums you are required to pay before cover will take effect.
Typically, you'll be asked for the following information:
If you suffer from heart disease and decide to travel, make sure you are aware of the following:
Many high-end credit cards come with complimentary travel insurance. If you pay for your trip with your card, you will usually be able to enjoy some form of travel insurance cover when you begin your getaway.
While this free cover is undoubtedly a bonus, as a general rule, most credit card travel insurance policies will automatically exclude cover for pre-existing medical conditions, so chances are your heart problem won’t be covered. Credit card travel insurance is usually quite limited when compared with normal travel insurance, including much lower limits on cover for overseas medical expenses, so shopping around for standalone travel insurance is crucial.
*Information accurate as of August 2015. Subject to change
Picture: colette_kent, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
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