Travel insurance if you have a heart condition is essential when you travel or take a holiday just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around.
Travellers with a heart condition have in the past paid significantly more for their travel insurance as those with a heart condition, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have a heart condition, but for the same person with a heart condition, the premium would be £36.41, that’s around 3 times more expensive.
Typically customers with a heart condition might also suffer with high blood pressure. In our example the premium would still be £36.41 assuming the applicant was taking 2 medications for high blood pressure.
Two additional rating factors are high cholesterol medication and smoking status.
And finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.