Getting the right heart attack travel insurance

A heart attack shouldn’t hold you back when you want cover for a trip away. With Staysure, it won’t.

Our customers have voted us the UK’s Most Trusted Travel Insurance Provider by Moneywise in 2017 and 2018. We think it’s because we like to do travel insurance the right way. They know that with their cover sorted, they can concentrate on enjoying their holiday.

With proper medical travel insurance after your heart attack, you can have the same peace of mind. Isn’t it worth doing right?

You can get a tailored travel insurance quote to cover your heart attack online, or talk to us now on 0800 033 4902.

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Can I get travel insurance after a heart attack?

We consider everyone on a case-by-case basis and we can offer different levels of cover for both your medical and non-medical needs.

Before we can cover you, you must make sure that it’s safe to travel after your heart attack. If you’re unsure, ask your GP or doctor.

You will need to complete a medical screening online or over the phone to give us more information about your heart attack and other medical conditions.

What is a medical screening?

You’ll be asked few questions about your heart attack(s) and any other medical conditions you have.

So that your policy covers you correctly, it’s really important that you give accurate responses and don’t leave anything out.

If you have a medical condition and it’s left off your policy, that would mean you are not covered if you need to claim.

So it’s a good idea to have details of your medical condition to hand during the screening process.

What sort of questions are in the screening process?

Questions may include:

  • How many heart attacks have you had and how long ago was your most recent one?
  • Have you ever had a heart bypass, an angioplasty or a coronary stent, how long ago the procedure was performed and have you had a heart attack since the last procedure was performed
  • Have you ever had any angina symptoms (eg chest pain, chest tightness) since your last procedure? If so, how long ago was the date of onset (or treatment to prevent) your angina?
  • Are you awaiting any tests, test results, surgery or to see a heart specialist about new symptoms?
  • Do you have high blood pressure or cholesterol and are you taking any medication to manage the conditions? You will also be asked the number of medicines being taken and whether it has been prescribed/dosage has increased in the last six months?

We like to do everything by the book, just to be on the safe side. But don’t worry, the process is easy to follow and doesn’t take long.

You can get a quote online now, or you can call us 0800 033 4902.

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Why do I need travel insurance after a heart attack?

The NHS advises that anyone who has already had a heart attack,is at a higher risk for another one. No one wants to think about the possibility of having another heart attack – or indeed any other medical problem – while on a trip.

But most people will agree it’s better to be safe than sorry. Overseas medical treatment can be eye-wateringly costly, and it’s not much fun to suffer financial burden on top of health problems.

Travel insurance also doesn’t just cover medical matters, but also the nuts and bolts of travelling – late flights, cancellations, delayed baggage, personal items and gadgets, and extra activities.

The need to claim is actually more common than you might expect. 1 in 20 people made claims on their Annual Travel Insurance in 2017*.

Proper travel insurance cover makes it easier to simply relax and enjoy your holiday.

Do I need a European Health Insurance Card (EHIC)?

If you are travelling in most parts of Europe, yes. In fact it’s a condition of our insurance that you take an EHIC if your trip is in any of the countries covered by the EHIC agreement.

An EHIC entitles you to subsidised or free healthcare in most European countries when using their state healthcare provider (like our NHS). This covers all EEA countries (that’s all EU members plus Iceland, Norway, Lichtenstein and Switzerland). Please note, though: even within the EEA, a few places such Monaco and Jersey, won’t accept an EHIC.

If you do use your EHIC and you’ve still had to pay a subsidised fee for healthcare, we’ll remove the excess fee for medical emergency claims.

An EHIC does not cover you for any mishaps or additional costs that are not directly related to medical treatment. It will not cover you for medical repatriation, for instance. Nor, will it help if you have to cancel or break off your holiday.

So while taking your EHIC is a ‘must’ for you to take in (most of) Europe, it’s not an ‘instead of’ good travel insurance.

Types of travel insurance policies we offer

We offer two types of policy to suit the plans of you and your family:

Single Trip Travel Insurance is just right if you’re going for a one-off holiday. From UK city-breaks to worldwide tours, you’ll be covered with our Single Trip policy. You can add in as many stops as you want within the trip, and your cover can last for up to 3 months. Your cover stops once your holiday is completed.

Annual Travel Insurance may be better if you’re planning on taking more than one holiday within a year – it can cover all of your trips in that time.

Whatever your travel plans, and whatever your medical conditions, all of our policies can be tailored to fit your holiday perfectly.

What does our travel insurance cover?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

What happens if I need medical treatment while abroad?

It’s not a problem. You can call us 24-hours a day – so it doesn’t matter which side of the world you’re on.

We’ll help arrange medical treatment with local doctors, and we’ll also provide translation if you need it. And if you need to, you can even reverse the charges when calling us.

You’ll be covered for new flights home and accommodation should the unexpected happen and you end up in hospital. We will also pay for your travelling companion or partner to fly home with you, as well as providing a competent person to accompany any children home.

And it doesn’t stop there. If you have to cancel your holiday due to a heart-attack or other health-related problem, you will be insured against these costs.

What if I need to make a claim?

That’s fine. If you do need to claim, we’re right on hand to help.

With the right travel insurance to cover your heart attack, you can set off for sun, sea or snow knowing you’re in safe hands if something goes wrong. Doesn’t it make sense to do it right?

Get proper cover with a tailored policy

A competitive price for your travel insurance is always important. If basic level cover will do you nicely, then that’s fine.

But what if you need something extra? In that case, you may want to think about tailoring your plan to increase your cover where it’s needed.

Or, for full peace of mind, you could consider our comprehensive level cover. In most cases, it covers all the bases, and at your desired level of cover.

But if you’re doing something extra-special on holiday? Such as a cruise around the Caribbean? Or a spot of winter sports? No problem. A Comprehensive policy lets you upgrade for extra cover on these activities, so all is ship-shape and on-piste.

To get covered, simply talk to us for free on 0800 033 4902 or get a quote online.

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Can I change parts of my policy after I’ve bought it?

Whether it’s an update on your medical conditions or medication, or adding optional extras to your holiday, unforeseen changes can crop up.

If something does change before you set out on your holiday, we’ll need you tell us or you may not be properly covered if you have to claim. Do speak to us and we’ll do our best to see if we can increase the coverage where necessary.

With our policies, you can upgrade at any time as long as you haven’t travelled or made a claim.

Please note: while we can increase your policy coverage, we cannot reduce coverage in return for a partial refund. So please do check that you’re happy with the level of cover when you book.

Get your heart attack travel insurance quote today

Talk to us today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

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* 5.04% of people claimed on their Annual Travel Insurance Policy in 2017.