Travel Insurance for Heart Conditions
- Up to £10 million - Emergency Medical Expenses Cover
- Up to £5,000 – Cancellation Cover Per Person
- Up to £450 – Replacement Prescribed Medication Cover
3 Options available including:
Cruise Cover Option, Winter Sports Cover Option, Sports Travel Insurance...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Travel Insurance for Heart Conditions
For the Love of Travel, with Cover for Heart Conditions
Living with a heart condition doesn't mean you have to put your travel plans on hold. We understand that planning a trip can mean you have more to think about. This can range from managing medications and staying on top of your routine, to knowing what you’d do in a medical emergency far from home.
With over 7.6 million people in the UK currently living with a heart or circulatory disease it's a question we hear often: "Can I get travel insurance with a heart condition?" The good news is that many people can, depending on their circumstances.
Our heart condition travel insurance is designed to cover a variety of situations where your heart condition may affect your holiday plans. For instance, cover if you need to cancel your trip, emergency medical treatment abroad, and replacement of lost or delayed prescribed medications.
You’ll also be covered for standard travel disruptions like delayed flights or lost luggage.
Click below to get a heart condition travel insurance quote.
What Heart Conditions Can Able2Travel Travel Insurance Cover?
At Able2Travel, we provide cover for thousands of pre-existing medical conditions, including a wide range of heart problems. So, you can explore with greater reassurance.
- Coronary Artery Disease (CAD) e.g. Angina, Heart Attack, Ischaemic Heart Disease
- Heart Rhythm Disorders (Arrhythmias) e.g. Tachycardia, Bradycardia, Atrial Fibrillation (AFib), Atrial Flutter
- Heart Valve Disease e.g. Stenosis, Regurgitation
- Heart Muscle Disease (Cardiomyopathy)
- Other Heart Conditions e.g. Congenital Heart Disease, Heart Failure
If your heart condition isn’t listed here, don’t worry — these are just a few examples of what our travel insurance with pre-existing heart conditions has covered previously.
Why Choose Able2Travel Travel Insurance?
For over 15 years, Able2Travel has specialised in providing travel insurance for people with heart conditions, helping thousands of travellers explore the world with confidence. We also provide cover for a wide range of related conditions, such as high blood pressure and high cholesterol.
We know that no two conditions are the same. That's why we take the time to understand your specific circumstances. We help you find cover that suits your needs, allowing you to focus on your holiday, not on what might go wrong.
But don't just take our word for it. See why customers place their trust in us by reading our verified Able2Travel reviews.
What Does Able2Travel Travel Insurance for Heart Conditions Cover?
Our travel insurance with pre-existing heart conditions covers a range of holiday mishaps including:
- Emergency Medical Cover – Covers emergency medical care costs abroad, including hospital stays relating to your declared conditions
- Trip Cancellation - Covers non-refundable travel and accommodation costs if you need to cancel your trip for an insured reason
- Replacement Prescribed Medication - Cover for the cost of replacing essential medication if it’s lost or delayed during your journey
- Emergency Transport – Covers the costs of bringing you back to the UK if it becomes medically necessary
- Emergency Medical Assistance - 24/7 Emergency Assistance team to assist you in finding a doctor or medical facility and provide multilingual support to help you navigate medical care
Which Travel Insurance for Heart Conditions is Right for You?
When choosing what is the best travel insurance for heart conditions, it’s not only about the cost. Instead, it’s about knowing what’s included and feeling confident that you have the right support when it matters most.
Able2Travel offers three levels of cover so you can choose the option that best matches your travel needs.
| Policy Highlights (per person) | Silver (£) | Gold (£) | Platinum (£) |
| Emergency Medical Cover | 10 million | 10 million | 10 million |
| Trip Cancellation | 1,500 | 2,500 | 5,000 |
| Mobility & Disability Equipment | 750 | 1,000 | 1,500 |
| Replacement Prescribed Medication | 150 | 300 | 450 |
| Emergency Transport | No Limit | No Limit | No Limit |
The table above highlights some of the benefits included with our travel insurance for people with heart conditions. To view full travel insurance comparison table, please refer to the policy wording.
Click below to get a heart condition travel insurance quote.
Tailor Your Travel Insurance for Heart Conditions
We believe managing a heart problem shouldn't stop you from pursuing your passions. That's why we offer optional extras to tailor your cover, ensuring your heart problem travel insurance suits your plans.
- Cruise Cover – Added protection for cruise holidays, covering unique situations like onboard medical emergencies or missing a port
- Winter Sports Cover – Peace of mind for winter getaways, covering you while skiing, snowboarding, or enjoying other cold-weather activities (up to 21 days)
- Sports Cover – Protection for a wide range of more adventurous activities
Explore the World with Peace of Mind
With Able2Travel’s specialist travel insurance for people with heart problems, you can set out on your journey knowing you have cover you can rely on.
Focus on creating memories and enjoying new experiences — not on worrying about what could go wrong.
Heart Condition Travel Insurance Options
Winter Sports Cover Option
Provides protection for lost, damaged, or stolen ski equipment (owned or hired), cover if you miss prepaid activities, and includes over 30 activities like skiing, snowboarding, and more.
Cruise Cover Option
Cover provides protection against cruise-specific incidents, including Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.
Sports Travel Insurance
Covers over 100 sports and activities, from hiking and cycling to scuba diving and ziplining, perfect for active holidays and adventure getaway.
Frequently Asked Questions About Travel Insurance for Heart Conditions
1. Do You Have to Declare Your Heart Problems on Holiday Insurance?
Yes — all existing or ongoing heart problems must be declared when you get a quote for holiday insurance for heart problems.
Being open about your heart condition helps make sure you’re properly protected while travelling, and it also ensures your policy remains valid.
If there has been a change to your condition, such as a change in medication or symptoms, while your policy is active, it’s also important to let us know so your cover stays up to date.
2. What Will I Be Asked When Buying Heart Condition Holiday Insurance?
To make sure your heart condition holiday insurance gives you the right cover, you’ll need to answer a few medical screening questions.
The questions will vary depending on your condition, but may include:
- Diagnosis & Medical History – What specific heart condition have you been diagnosed with, and how severe is it?
- Associated Conditions - Is your heart condition linked to any other health issues or complex related conditions?
- Medical Procedure – Have you had any procedures for your condition, what type were they, and how recently were they carried out?
- Hospital admissions – Have you been admitted to hospital for your condition in the last year?
- Current Treatment – Have you been referred to or treated by a specialist? What medication have you been prescribed? Are you currently waiting tests, results, or surgery?
3. Can I Rely on The GHIC Instead of Travel Insurance for Heart Problems?
The GHIC (Global Health Insurance Card) provides you access to state-provided healthcare in EU countries, at the same level as a local would receive. However, it doesn’t replace holiday insurance for pre-existing heart conditions. The reason is that there are important limitations on what it can cover.
For example, it won’t cover costs for private medical treatment if necessary or emergency medical transport to get you home (known as medical repatriation).
Also, cover against trip cancellations, travel delays, lost/damaged luggage, and replacement of lost or delayed prescribed medications wouldn’t be covered under GHIC.
4. How Much Is Travel Insurance with Heart Condition?
The cost of travel insurance for someone with a heart condition isn’t a single fixed price, as it is based on several factors.
For instance, your age, trip duration, destination, and how well-managed your heart condition is. The price will also be influenced if you have any other pre-existing medical conditions to declare on your policy.
5. What Types of Holiday Insurance for Heart Conditions Can You Get?
Finding the appropriate holiday insurance for people with heart conditions begins with choosing the policy type that matches how often you travel. At Able2Travel, we offer two main types of cover to choose from:
- Single Trip Cover: Suitable for those who are going on one-off holiday, and the cover starts from the day you travel until you come back home
- Annual Multi-Trip Cover: Ideal if you’re planning to get on holiday more than once within a 12-month period. This would cover unlimited trips within that period.
6. What Destinations are Covered Under Holiday Insurance for Heart Problems?
At Able2Travel, we offer cover for people with heart conditions travelling to Europe and beyond. From staycations in the UK to city breaks in Europe and long-haul worldwide trips. Our cover is divided into five areas:
UK Only Coverage (For UK Residents Only)
- Area 1: Includes England, Scotland, Wales, and Northern Ireland, as well as Isle of Man
Europe Coverage
If you’re travelling to Europe, you can choose between two types of holiday insurance with heart condition cover, depending on the countries you’re visiting:
- Area 2: Includes all countries in Area 1, Western & Northern Europe, Mediterranean Islands, and Eastern Europe
- Area 3: Include all countries in Areas 2, and including Turkey
Worldwide Coverage
If your trip involves travelling beyond Europe, you’ll need worldwide holiday insurance for pre-existing heart conditions, which includes cover for countries outside of Europe. Able2Travel has two options to choose from:
- Area 4: Includes all countries in Areas 1, 2 and 3 (excluding the USA, Canada, the Caribbean and Mexico)
- Area 5: Includes all countries including those in Areas 1, 2, 3 and 4
7. How to Get Your Quote for Heart Problems Travel Insurance?
To get a quote for your policy with Able2Travel is simple and stress-free. Here’s the process:
- Tell us about your trip – choose your destination, when you’d like cover to begin, and who will be travelling
- Complete the medical screening about your heart condition or any other medical conditions you’ve had – this can be done online or over the phone
- Get your personalised quote
- Compare three levels of cover and choose the option that suits you best
- Add optional extras to tailor the policy to your needs, such as cruise cover or winter sports cover
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.