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Travel Insurance With Cover For High Blood Pressure

Don't let high blood pressure stop you from travelling. Compare travel insurance cover from over 20 brands.

High blood pressure shouldn’t stop you from travelling the world and visiting all the destinations you’ve long dreamt about. But before you embark on any international journey, it’s essential that you have an adequate level of travel insurance cover in place, and you’ll need to satisfy a few conditions in order to qualify for travel insurance for high blood pressure.

Can travel insurance cover me if I travel with high blood pressure?

To get travel insurance cover for high blood pressure you'll need to:

  • Declare your condition. You'll generally need to do this if it's not automatically covered.
  • Follow the conditions of the policy. This varies between policies e.g. some policies state no cover if you have any cardiovascular conditions or diabetes on some policies.
  • Pay any extra premium if required. If you need cover due to a pre-existing condition like heart surgery you may need to pay an additional premium.

General conditions

Depending on the policy, you may have to meet one or more of these conditions:

  • Your hypertension must be stable and managed by your doctor
  • You must have no known heart or cardiovascular conditions
  • You must not also suffer from diabetes
  • You must have not had any changes to your medication within the past 12 months
  • You must not be suffering any symptoms of, or be undergoing investigations into, your high blood pressure
  • Your current blood pressure reading must be within acceptable ranges

Which travel insurance brands cover high blood pressure?

ProviderMaximum blood pressureConditionsApply
1-cover-logoNo limit stated
  • No cover if you were hospitalised in the last 24 months
  • No cover if you have any form of cardiovascular condition or diabetes
Get quote
 AMEX Travel InsuranceNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
 Budget Direct Travel InsuranceNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
 Citibank Travel Insurance165/95
  • No cover if you have any known heart conditions
Get quote
   CoverMore165/95
  • No cover if you have any known heart conditions
Get quote
 Easy Travel InsuranceNo limit stated
  • Condition must be stable
Get quote
 Fast CoverNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
 Go InsuranceMust be within normal limits*
  • No cover if you're taking more than two medications for the condition
  • No cover if there has been a change in medication in the last three months
  • No cover if have been a smoker in the last 18 months
Get quote
iTrekNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
MultiTrip Travel InsuranceNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
 Simply Travel InsuranceNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
 Skiinsurance.com.auNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
 Southern CrossNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
 Travel Insurance DirectNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
Travel Insurance Saver LogoNo limit stated
  • Condition must be stable
Get quote
Virgin MoneyNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
Woolworths Travel InsuranceNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
Worldcare Travel InsuranceNo limit stated
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote
youGo165/95
  • No cover if you suffer a known cardiovascular disease or diabetes
Get quote

*According to the Department of Health & Human Services, State Government of Victoria, a normal reading is between 90/60 and 120/80. You should however, check with the insurer as its definition may differ.

pressure (1)How do insurers define high blood pressure?

Insurance providers define hypertension or high blood pressure as a pre-existing medical condition.

In the majority of cases, insurers will automatically provide cover for people with high blood pressure as long as you:

  • Do not suffer from any known cardiovascular disease or diabetes.
  • Do not exceed a normal limit of blood pressure (This limit is typically set at 165/95).

Do I need to tell my insurer if I have high blood pressure?

When you apply for travel insurance, you have a duty to inform the insurer of any pre-existing medical conditions you suffer from. Failing to do so could lead to your policy being cancelled or any future claims you make being rejected. So when you come to the section of your travel insurance application that asks you about your medical history, make sure to be upfront and honest about your high blood pressure.

But I thought high blood pressure is automatically covered?

While many travel insurance policies do state to automatically cover high blood pressure, it's best to declare as your specific condition may differ from the insurers definition of blood pressure. For example, you may have been hospitalised in the past due to a condition related to high blood pressure.

Dave doesn't declare

Dave was diagnosed with hypertension six months ago and is currently taking medication and attending regular check-ups with his doctor to keep the condition under control. But when Dave is buying travel insurance for his two-week holiday to the United States, he’s worried that declaring his high blood pressure will increase the cost of his premiums, so he decides not to disclose the condition.

So when Dave is hospitalised in New York as a result of his high blood pressure and existing medication treatment, his travel insurer refuses to pay his claim. Dave must cover more than $2,000 worth of medical and hospital bills out of his own pocket.

How do I disclose my condition?

Insurers typically split pre-existing conditions into three categories:

  1. Those that are automatically covered
  2. Those that are never covered
  3. Those that may be covered after the condition has been assessed

What about high blood pressure?

Most insurers will place high blood pressure into the first or third category, but double-check with your insurer. If you suffer from high blood pressure, some insurers will provide you with a health questionnaire to fill out.

Provide the following information

This will require you to provide details such as:

  • When your high blood pressure was first diagnosed and why
  • What your blood pressure reading was at that first diagnosis
  • Details of any ECG, X-ray, cholesterol (lipids) blood test or other investigations you have had
  • Details of the treatment you have received and the names and dosages of any medication taken
  • Details of the treatment you have received since your initial diagnosis
  • Your GP’s name and how often you attend for follow-up consultations
  • Your most recent blood pressure reading

Can I get cover if I’m on medication for high blood pressure?

Yes, it is possible to get travel insurance cover if you’re taking medication to control high blood pressure, but conditions apply in some cases. For example, some insurers specify that you must be taking no more than two medications. Another common condition is that you must have had no change in medication or dosage for a certain period of time such as three months.

Make sure you declare

The best way to find out is to declare your condition and medication when you apply for cover.

Am I covered if I've had a heart condition in the past?

If you have had a heart or cardiovascular related condition in the past, then you'll need to likely need to:

  • Declare your heart condition
  • Pay the additional premium if required
  • Follow any new set conditions of your policy e.g. no cover for that specific heart condition (but cover is provided for high blood pressure)

Learn more about travel insurance and heart conditions


Am I covered if I've been hospitalised in the past?

Most travel insurance policies will exclude cover for automatically covered pre-existing medical conditions like high blood pressure if you've been hospitalised in the past within a certain time period. For instance, within the last 24 months. If you have been hospitalised recently, you may be able to get covered by declaring your hospitalisation and paying the additional premium.


What happens if I'm hospitalised on my trip?

If you need to go to hospital as a result of high blood pressure, make sure that you or a travelling companion contacts your insurer’s emergency assistance line as soon as possible.

Why should I contact my insurer straight away?

Your insurer's emergency assistance team can help you:

Contacting your travel insurance as soon as possible will allow you to make a claim for other incidentals like trip interruption costs and additional expenses.


Can travel insurance on my credit card cover me?

One of the major downsides of many credit card travel insurance policies is that they automatically exclude all pre-existing medical conditions from cover. This means no cover is available in most cases if you suffer from high blood pressure. However, even if your condition is covered, credit card travel insurance policies typically limit the cover they offer for overseas medical and hospital expenses, so the benefits provided simply may not be sufficient to cover your costs.

Consider standalone travel insurance

It makes much more financial sense to invest in a standalone travel insurance policy when it comes to medical conditions. This is the best way to guarantee that you can be covered for high blood pressure and that an adequate level of medical cover is in place.


Tips for travelling with high blood pressure

  • Don’t let it hold you back. As long as your high blood pressure is well controlled, travelling the world is entirely possible. In fact, it could be argued that travel could be good for your health. With this in mind, don’t let high blood pressure put you off pursuing your travel dreams.
  • Talk to your doctor. Before you book any travel plans, book in a visit to your doctor to discuss your high blood pressure. Your doctor will be able to tell you what is and isn’t possible with your condition. Your doctor can also give you information about any extra medication or vaccinations you may need.
  • Have a pre-trip check-up. Just before you’re due to depart, visit your doctor for another check-up to make sure your condition is still under control and it’s safe for you to travel.
  • Pack enough medicine. It’s vital that you make sure you have more than enough medication to last you not only for your trip but also for a little longer. If your return home is delayed by circumstances beyond your control, you don’t want to run out of medication.
  • Reduce stress. Checking in for your flight at an airport can be a very stressful time. There are queues to stand in, security checkpoints to clear, and you’ll need to manage your fears that you haven’t packed everything you need. To make the check-in process as stress-free as possible, make sure you arrive at the airport with plenty of time to spare.
  • Pack extra medication. Include extra medication in your hand luggage in case your checked luggage goes missing.
  • Sit in the emergency exit row. Request an emergency exit seat so that you have a little extra leg room. Make sure to keep flexing your feet, and stretch your muscles during the flight to keep the blood circulating and reduce the risk of deep vein thrombosis.
  • Take your own snacks. Salty airline snacks like peanuts and crackers won’t help your blood pressure, so bring your own healthy snacks from home. Alcohol and sleeping pills should also be avoided, as they’re more likely to see you staying in the same position for too long.
  • Avoid adventure activities. Activities like scuba diving and parachuting can be dangerous for people with high blood pressure, so don’t participate in any activities you shouldn’t.
  • Relax. Travel is meant to be fun and enjoyable, so don’t let yourself get stressed out. Take a deep breath and relax.

Exclusions: When won’t you be covered

Travel insurance will typically not provide cover if:

  • You are travelling to seek medical treatment or review
  • You are travelling against the advice of a medical practitioner
  • Your claim is for deep vein thrombosis, if you have been diagnosed with either of these clots in the past, and if you do not take preventative measures for your trip
  • Your claim is for any condition for which surgery or treatment is planned
  • Your claim is for any condition for which you have been hospitalised within a certain time period such as 24 months

Compare travel insurance brands that cover high blood pressure


 
Picture: Shutterstock

Maurice Thach

Maurice is a publisher for finder.com.au. Daily research of Australia's insurance offerings allows him to breakthrough the noise of the many policies out there to uncover what can (and can't) be covered. Maurice hopes to make finding the right insurance easier for all.

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