Standard travel insurance tends to exclude cover for pre-existing medical conditions, and this can include coronary heart disease (sometimes called ischaemic heart disease). If you have been diagnosed with CHD, you will need to disclose it when applying for travel insurance to ensure that you are covered for your trip. For travel in Europe, you should also ensure that you have a valid European Health Insurance Card (EHIC).
A travel insurance policy which covers coronary heart disease offers you protection in the event of any complications relating to your CHD whilst on holiday. You would be able to access a 24 hour emergency medical assistance line, with operators fluent in many languages who can speak to medical staff wherever you are. Expenses such as ambulance and hospital admission costs, and repatriation to the UK, also tend to be covered by the medical expenses section of a policy. Cancellation cover would mean that if you were deemed unfit to travel before your holiday, for reasons relating to complications of your CHD, you would be entitled to make a claim. Please be aware that different insurers offer different levels of cover, and you should check the cover limits of the policy prior to purchase.
Depending on the main cause of your coronary heart disease, you may find it difficult or expensive to obtain cover if you are under investigation, or awaiting a treatment. Once treatment is complete or after diagnosis it can, though not always, get easier for you to obtain travel insurance however you will certainly need to declare the condition if you want any medical cover. Please do speak to your doctor prior to making any travel arrangements.
Our online medical screening makes it easy to compare travel insurance that covers pre-existing medical conditions at MedicalTravelInsurance.co.uk. When entering your details you will be asked some questions relevant to your condition and related conditions, any treatment you have received, and any medication you are taking. The answers you provide will allow us to quickly assess your current health situation and tailor travel insurance quotes that will provide suitable cover for you.
For further information and advice on travelling with coronary heart disease, you may find the links at the below helpful.
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Our medical travel insurance team are ready to provide you with assistance regarding your quote. If you would prefer to talk to an advisor to receive a quote or have a query please contact our UK based customer service team. Find out details on our contact us page.