travel insurance to cover heart problems

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Heart conditions and travel insurance

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Tegan Oldfield

3 August 2023 | Updated 20 October 2023 | 5 minute read

If you’re one of the seven million people in the UK living with a heart condition , it’s important to get the right travel insurance for you.

Here we discuss how to get insurance that covers you and your condition and how to stay safe while travelling.

Is it safe to travel with a heart condition?

You should speak to your doctor to find out if it is safe for you to travel.

For many, going abroad with a heart condition is still safe. Even if you have a pacemaker, cardiac resynchronisation therapy (CRT) device or implantable cardioverter defibrillator (ICD) fitted, you should be able to travel.

If you’ve recently had a heart attack or a major operation like heart surgery, you may need a letter from your doctor to prove you are fit to fly or travel.

Can I get travel insurance with a heart condition?

If you’re looking for travel insurance for heart conditions, each insurance provider will have their own rules around what they cover.

If you have pre-existing heart issues, you need to declare this to your insurer. Check whether the policy covers your specific condition and what it will protect you for, including any care you may need while away.

You can use MoneyHelper’s medical directory to find suitable insurance to cover your condition or by you can call 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).

Find out more about travel insurance for medical conditions .

What heart conditions can travel insurance cover?

Insurers that provide cover for pre-existing conditions typically cover:

• atrial fibrillation
• high blood pressure and cholesterol
• heart attack/myocardial infarction
• cardiomyopathy
• blocked or narrowed arteries
• valve disease
• aortic aneurysm
• heart failure
• aortic stenosis

Check your policy book carefully to make sure your condition is covered; if you’re unsure, call your insurer.

What information do I need to tell my insurer? 

You usually need to tell your insurer about any medical condition you’ve had within the last two years. But with a heart condition, you must tell them if you’ve ever had one.

You’ll need to let us know about:

• any problems with your heart
• recent surgeries or procedures you’ve had
• any emergency hospital visits
• the medications you take for your condition

You should always answer these questions truthfully. If you don’t let us know about a medical issue that you later need to claim for, your insurance will be invalidated . 

This means you won’t be covered for the cost of any treatments you need or if you need to cancel a trip as a result of your heart condition.

Remember to inform your insurer about any health changes between buying your policy and going on holiday.

Is travel insurance with heart conditions more expensive?

You might have to pay more for your travel insurance if you have a heart condition.

It’ll depend on the severity of your condition and any other health problems you might have, but the price of your premium will always depend on:

• where you’re going
• how long you’re going for
• what activities you’ve planned

Travelling with a pre-existing heart condition

When travelling with a heart condition, you should bring:

1. A valid Global Health Insurance Card (GHIC) , so you can access lower-cost medical care if you’re travelling to Europe. Read our guide on using the GHIC in Europe .

2. Enough medication to last your trip and a few more days’ supply to be safe. Read our guide on travelling with medicine .

3. A Device Identification Card , if you have a heart device fitted (such as a pacemaker), which doctors can refer to if you do need treatment.

4. Recent medical letters, records of treatment you’ve had, and a copy of your electrocardiogram (ECG) , for the same reason as above.

Flying with a heart condition

You can also take a few measures while travelling to your destination to keep your heart healthy.

If you have a heart device, let the security staff at the airport know. Your device shouldn’t be affected if you walk through the security scanners at a reasonable pace, but the staff will need to be careful when using a handheld metal detector.

They should hold it at least 15cm away from your device and avoid repeatedly sweeping over or lingering over it for a while.

You also might be at higher risk of developing deep vein thrombosis (DVT) on flights, so move around regularly and wear compression socks to help prevent a blood clot.

Speak to your doctor before flying to get specialised advice.

What to avoid on holiday with a heart condition

Specific temperatures and activities on holiday could worsen your heart disease symptoms. You should avoid:

• Very hot or cold locations. Your heart will have to work harder, which can cause medical issues. Try to visit places with a mild climate and avoid using spa facilities like hot tubs, saunas or steam rooms.
• Travel to high altitudes. High altitudes can affect your heart, lungs and blood flow as the air is thinner, and it’s harder to take in the oxygen your body needs. Check with your doctor before travelling to anywhere 2,000 metres above sea level.
• Adventurous sports. Things like diving, skiing or other adventurous activities can strain your body and heart. You’ll need the go-ahead from your doctor to take part, but you should speak to your insurer too, as we might not cover you if you’re going to take part in high-risk activities.   

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What's the Best Travel Insurance for Pre-Existing Medical Conditions?

You may think that a pre-existing condition means anything you’re being treated for at the time you purchase your travel insurance. The definition is actually broader than that. Allianz Global Assistance defines a pre-existing medical condition as:

An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy:

• Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
• Presented symptoms; or
• Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

It’s important to know that the illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Let’s consider a few scenarios:

• Sudden, debilitating pain in an arthritic knee forces you to cancel your planned trekking tour of Iceland. Because you consulted your doctor about knee twinges three months ago, it’s considered a pre-existing condition.
• While sightseeing in Shanghai, you suffer a mild heart attack. Because you were diagnosed with coronary heart disease three weeks before purchasing travel insurance, this is considered a pre-existing condition.
• You were diagnosed with lupus many years ago, but it’s been in remission. You feel pretty good when you book your cruise to Bermuda, except for some fatigue and a rash. Then the Caribbean sun triggers a serious lupus flare, sending you to the hospital. Because you had symptoms when you booked your trip, this is considered a pre-existing condition.

2. Travel insurance requirements for covering pre-existing medical conditions 

If you’re dealing with a pre-existing medical condition, that does not mean you can’t get travel insurance, or that you shouldn’t travel at all. You just have to read the insurance policy documents very carefully to make sure you meet all the requirements. As Conde Nast Traveler puts it , “it’s best not to make assumptions. Returning home in pain is bad enough. Don’t intensify it by unnecessarily paying thousands of dollars you could use on your next trip.”

Certain Allianz Global Assistance plans can include pre-existing medical condition coverage as long as you:

• Your policy was purchased within the time frame specified in your plan (usually 14 days of the date of the first trip payment or deposit.) In other words, don’t dawdle! Buy travel insurance as soon as you book your trip, so you don’t forget.
• Are a U.S. resident.
• Make sure you’re medically able to travel on the day you purchase the plan. Don’t assume you’re cleared to travel just because you feel OK that day. If you’re living with a chronic condition, or if you’ve recently had surgery or cancer treatment, it’s wise to get written approval to travel from your doctor.
• On the policy purchase date, insure the full non-refundable cost of your trip with Allianz Global Assistance — including trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. Make sure you include your airfare, hotel reservations, tour bookings and any other nonrefundable costs when you’re insuring your trip. If you incur additional non-refundable trip expenses after you purchase your policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.

3. What’s excluded from travel insurance coverage for pre-existing conditions

While most pre-existing conditions are covered by Allianz Global Assistance travel insurance, there are a few exceptions. Mental and nervous health disorders and normal pregnancy aren’t covered, for instance. If you want to make sure your particular condition is covered, speak with an insurance specialist before you buy.

Also, check the cap on trip costs. For the OneTrip Prime Plan , for instance, the total cost of your trip must be no more than $50,000 per person.

Why Allianz Global Assistance offers the best travel insurance for pre-existing medical conditions 

If you have any kind of chronic health problem, travel insurance can save your vacation — or even your life. The best travel insurance for pre-existing conditions is the OneTrip Prime Plan from Allianz Global Assistance, which includes abundant coverage for covered emergency medical expenses overseas (up to $50,000). You also get emergency medical transportation benefits up to $500,000 to travel to the nearest appropriate medical facility or to return home. This is huge, especially if you suffer from a serious condition that might require advanced treatment. The OneTrip Premier Plan doubles these amounts.

Travel insurance from Allianz Global Assistance also can include trip cancellation and interruption benefits to reimburse you for non-refundable trip payments, in case you have to cancel your travel because of your covered pre-existing medical condition or another covered reason. You also get personalized, one-on-one help in emergencies from our hotline staff. Every day they help travelers who are suffering medical emergencies, lost documents, travel delays and other crises, all around the globe. But, our hotline experts say, the toughest thing they deal with is having to tell a customer who’s seriously ill that their pre-existing medical condition's not covered. That’s why it’s so important to follow the rules and meet the requirements.

Have questions about how to choose the best travel insurance for your covered pre-existing medical condition? Call our travel insurance advisers anytime at 1-866-884-3556. Travel happy!

Related Articles

• Trip Cancellation Insurance: Covered Reasons Explained
• When Does Travel Insurance Cover Existing Medical Conditions?
• Travel Insurance 101: Covered Illnesses

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Travel Insurance for Heart Conditions

Specialist travel insurance for heart conditions.

Providing your doctor has cleared you for travel, there is no reason why you shouldn’t! The best place to begin is with Specialised Medical Travel Insurance for heart conditions. Using our quick and easy online quote process, you can answer a few questions about your heart condition diagnosis, including any if you have suffered a heart attack or heart failure, and then we’ll compare a range of insurers to get you the perfect deal for Travel Insurance with Heart Condition cover for both cover and cost. We will only show you Travel Insurance policies specific to your heart condition, as well as your age, destination, and duration of your trip, so you can choose the best Travel Insurance tailored to your heart condition. A doctor’s certificate is not required when declaring your medical history and heart condition.

Medical Travel Insurance with Heart Condition Cover

Our panel of specialist medical insurers cover virtually all heart conditions, including Travel Insurance after a heart attack, angina, irregular heartbeat and ischaemic heart disease. If you have a pacemaker fitted or stent procedure, it should also be declared. We work with a panel of expert medical insurers, who provide premium Travel Insurance with heart condition cover. We are confident in our abilities to provide everyone with the means to travel safely, and if we can’t, we’ll signpost you to somewhere we think can cover your specific heart condition.

Our specialist Heart Conditions Travel Insurance offers emergency medical support, available online 24 hours a day, 365 days a year. Just Travel Cover provides policies that ensure support is always accessible.

Travel Insurance for Heart Conditions FAQs

Frequently asked questions about Travel Insurance for Heart Conditions .

What is Travel Insurance for heart conditions?

Travel Insurance for heart conditions is a specialised type of insurance designed to meet the needs of individuals travelling with cardiac-related health concerns. Travel Insurance with heart condition cover can include Travel Insurance after a heart attack, heart failure Travel Insurance, and cover for specific heart conditions, depending on what you declare during the medical screening. This insurance covers medical treatment for pre-existing heart conditions while you are away from home, ensuring that you are not left facing financial strain along with your health concerns in the event of an unforeseen medical issue related to your heart condition.

When seeking Travel Insurance with heart conditions, it’s important to declare all aspects of your heart condition. Our panel of insurers specialises in providing cover for travellers with a history of heart-related issues, including those looking for Travel Insurance after a heart attack, or cover for conditions such as angina, arrhythmias, and ischaemic heart disease. By ensuring you have the right Travel Insurance for your heart condition, you can travel with confidence, knowing you’re adequately covered should something not go to plan relating to your heart condition.

What does Travel Insurance for heart conditions cover?

Travel Insurance is crucial for safeguarding against unforeseen medical emergencies abroad, especially for those with pre-existing heart conditions like angina or cardiovascular disease. It’s vital to declare these medical heart conditions to ensure substantial cover for treatments needed while travelling. Having the right Travel Insurance for heart conditions could save you a lot of money when it comes to medical bills should you need treatment abroad for an existing or previous heart condition. Plus, your Travel Insurance for heart conditions will also offer cancellation cover, for example, if you need to cancel your trip for medical reasons relating to your previous/existing heart conditions.

Can I get Travel Insurance for all destinations if I’ve had a heart attack?

It is our aim to provide you with a Travel Insurance quotation wherever you’re going and whatever pre-existing medical condition you have, including if you have previously had a heart attack or have an ongoing heart condition – that’s why we work with specialist providers who cover hundreds of pre-existing medical conditions, including heart conditions and if you have suffered a heart attack. Let us know where you’re going and declare your medical conditions, and we will show you a list of prices and insurance options from insurers that can provide Travel Insurance after a heart attack.

Is Travel Insurance more expensive with angina or heart problems?

If you are wondering how much Travel Insurance is with a heart condition, Travel Insurance may be more expensive if you declare medical conditions as it provides cover for medical bills relating to these conditions rather than just treatment for any new injury/illness you sustain on holiday. The cost of treatment varies by country, and insurers will consider this, along with your age, and trip length, when calculating the premium. When you get a quote online, we compare prices and cover and show you a list of options to choose from, most of the time with a bronze, silver and gold option, depending on the level of cover you need. This way, you can compare heart condition Travel Insurance policies and choose the best option for your travel needs and budget.

Can I get Travel Insurance with a heart condition?

Yes, you can. We understand that some insurers may turn you away for your pre-existing heart conditions, but we are confident we can help you. We work with multiple insurers who specialise in cover for pre-existing medical conditions, including heart problems and heart conditions. Once you declare your heart condition and answer some questions, we will only show you the providers that can provide Travel Insurance with heart condition cover tailored to you.

If I have a heart condition and diabetes can I get Travel Insurance?

We can provide Travel Insurance with cover for hundreds of pre-existing medical conditions, including heart conditions, cholesterol, high blood pressure and diabetes. So, if you’re diabetic and you have had heart problems, then make sure you declare both medical conditions and answer our medical screening questions as accurately as possible. We will then show you a list of providers offering the cover you need so you can compare polices and choose the best level of cover for you.

Can you get travel insurance that covers my heart condition and my cancer diagnosis?

Finding Travel Insurance when you have/or have had cancer and you have had heart problems can be challenging and expensive. We work with specialist medical insurers to provide you with a choice of high-quality affordable cover for all pre-existing medical conditions. After entering your personal details, you can screen all conditions at the same time, answering a few questions to ensure you have the right medical cover in place. We’ll then show you a list of options to choose from, only showing you prices from providers who can cover both your heart conditions and cancer, should you need any treatment related to your pre-existing medical conditions when you’re on holiday.

Can I get Travel Insurance with cover for heart conditions at any age?

Yes, some of the insurers on our panel provide cover with no upper age limit, are suitable  for all ages and can cover your pre-existing medical conditions too, for example, if you have had a heart attack, a bypass, or you’re living with angina. When getting a quote, it is extremely important to declare all of your pre-existing heart conditions, high blood pressure or high cholesterol. Even if your medical condition is controlled by medication or you suffered a heart attack in the past, it must be declared.

Is there an upper age limit for Travel Insurance if I’ve got heart conditions?

We believe that age and medical history should not be a barrier to travel, and that’s why there’s no upper age limit on some of our policies. All quotes are tailored to you, so when you enter your details and answer the medical questionnaire, we will only show you prices from the insurers that can provide cover for you. Whether you’re over 55 or over 85, we could have a heart condition Travel Insurance policy for you.

Is Travel insurance more expensive after a heart attack?

Travel Insurance to cover heart conditions can be costly and vary depending on where you’re going due to the cost of medical treatment in that particular country. If you are wondering how much Travel Insurance is after a heart attack, it can vary depending on the severity of your heart condition, other pre-existing medical conditions, your age and the destination you are visiting and how long for. 

While some insurers may turn you away, we work with insurers who specialise in covering pre-existing medical conditions, and we will compare prices and policies for you to find the cover you need. It’s important to remember that the price you pay for Travel Insurance is not just based on your medical history and conditions, but also age, destination and trip length, and will also depend on whether you want a single trip or an annual policy.

Will Just Travel Cover compare Travel Insurance for my heart conditions?

Yes, we will compare a range of specialist insurers to ensure we provide you with the best possible policy that covers your heart conditions. You will also usually have a bronze, silver and gold option to choose from where cover limits and excesses vary, along with the price.

Just Travel Cover works closely with our insurers to compare prices and policies. Get a quote and compare prices online. If you need further assistance or would rather speak to us directly, give us a call, and we will advise and direct you through the process.

Travel Insurance for All Kinds of Heart Conditions

• Heart attacks
• Ischaemic Heart Disease
• Atrial Fibrillation (irregular heart beat)
• Heart Murmurs and Heart Valve

How to Get a Quote

• Choose which type of travel insurance you require (single trip or annual)
• Give us some information about your trip (destination and dates)
• Declare your heart conditions along with any other medical conditions you have
• Add any travel insurance options you require, such as Winter Sports
• Choose from a range of travel insurance policies 

We Compare Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all insurers

What You Need to Know:

To ensure that your heart conditions are covered by your Travel Insurance you must declare your heart condition , as well as any other medical conditions you have. It is important that you answer the medical questions fully and accurately. We don’t need to see a doctor’s certificate. If you have had a heart bypass, a pacemaker fitted or a stent procedure, these will also need to be declared to us to ensure that you are properly covered by your Travel Insurance for heart conditions. Working with a panel of insurers, who are experts in providing travel insurance cover for heart conditions, means that we are able to find five-star Travel Insurance for someone with a heart condition . Don’t worry if you’ve been turned away by other insurers, we are confident that we will be able help you.

24 Hour Emergency Medical Support

All of our specialist Travel Insurance policies for heart conditions include access to a 24 hour emergency medical support service . A support team is available by phone 24 hours a day, 365 days a year, so if you do become ill on holiday and require medical treatment you can be sure that help and support will be available when you need it.

The Importance of Declaring All Medical Conditions

When you buy Travel Insurance it is extremely important to declare all of your pre-existing medical conditions , including any heart conditions, high blood pressure or high cholesterol.  Even if your medical condition is controlled by medication, such as with high blood pressure, or your heart attack was a long time ago, it still needs to be declared when you buy travel insurance to ensure that you are properly covered.

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy Travel Insurance quickly and easily.

Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for a trip of a lifetime.

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Heart disease travel insurance

When you live with heart disease, taking regular holidays is a great way to relax and minimise stress. It’s important, however, to plan ahead carefully when you are going to be away from home.

First and foremost, it’s important to talk to your doctor about your heart disease and how it affects you before booking any trips . They will be able to confirm that you are well enough to go away. You can also discuss the things you should and shouldn’t be doing during your holiday, such as any activities you may want to participate in.

In many cases, having heart disease is no barrier to an enjoyable and fulfilling breakaway. However, being aware of how to take care of yourself while away is the best way to ensure your holiday is a relaxing getaway you need.

What is heart disease?

The term ‘heart disease’ is often used interchangeably with ‘cardiovascular disease’ and generally refers to conditions that involve or cause narrowed or blocked blood vessels. When fatty deposits build up in the arteries, blood flow is restricted and cannot travel around the body as it should. This impaired blood flow can in turn lead to further problems such as heart attacks , heart failure , angina , and strokes .

As a catch-all term, heart disease also covers heart rhythm problems and defects, such as arrhythmias and atrial fibrillation , as well as the things that cause them.

Please note, when looking for heart disease insurance, you must declare all of the conditions you have so that you are properly insured.

As it covers so many conditions, heart disease is very common. In the UK alone, the British Heart Foundation (BHF) estimates that there are approximately 7 million people living with a form of heart disease. Thankfully, modern medicine has helped to make them easier to live with; the annual number of heart disease-related deaths has fallen by more than half since the BHF was established in 1961.

What risk factors are associated with heart disease?

The risk factors for heart disease are many and complex; there can often be a mix of factors involved, including:

• Family history of cardiovascular disease, including heart attacks , strokes , angina , heart failure , hypertension , cardiomyopathy , and peripheral vascular disease
• High blood pressure
• High cholesterol levels
• Unhealthy diet
• Physical inactivity
• Alcohol intake

Many things that increase the likelihood of developing heart disease are associated with lifestyle. Of these, the World Health Organisation (WHO) lists an unhealthy diet, physical inactivity, smoking, and drinking too much alcohol as the ones linked to the biggest risk.

Why do I need specialist travel insurance for heart disease?

Even if your condition is under control and you feel well, it’s important to remember that heart disease can be unpredictable. Part of the joy of travel is being introduced to new places and experiences, but when you have heart disease, it is vital to take account of the impact this could potentially have on your health.

This is where heart disease travel insurance comes in. A travel insurance policy for heart disease should cover all of the conditions that relate to your heart and circulation, so should your health take an unexpected turn for the worse while you’re away, you will be cushioned from the costs of your medical treatment. Health care around the world, particularly emergency treatment, often comes with very high costs attached.

Without Heart Disease insurance in place, an extended stay in an overseas hospital can be incredibly expensive. What’s more, without heart disease travel insurance in place, you would also have to fund alternative travel arrangements to get you home, if you were unable to travel back as you had planned.

You may have already found that many standard travel insurance companies refuse to offer cover due to your heart disease, but that doesn’t mean you have to travel uninsured. A medical travel insurance provider, like Free Spirit, is best-placed to offer travel insurance to people of any age who have pre-existing health conditions , such as heart disease.

Our travel insurance for heart disease includes the essential aspects of cover you need , such as your medication and medical aids should they get lost or damaged. One of the most important protections we offer is cancellation cover, which ensures you don’t lose out financially on flights and/or accommodation costs if you have to cancel your trip in the run-up to your departure date due to your health*.  Having this arranged nice and early should give you peace of mind as you look forward to your holiday.

* Cover is subject to the terms, conditions, and limits of the Insurance Policy .

How can I get heart disease travel insurance?

It’s easy to get a quote for heart disease travel insurance with us. If you’d prefer to apply online, our fully interactive website includes medical screening, or if you’d rather talk to someone over the phone, our friendly travel insurance specialists are available on 02392 419 080. 

Whatever way you prefer to apply for travel insurance for heart disease, we will need to ask you some questions about your conditions and the way in which these affect you to determine your premium. The questions you are asked may vary depending on your personal circumstances, but some of the questions you may expect to be asked include:

• Have you ever had a heart bypass, an angioplasty, or a coronary stent?
• Have you ever been a smoker?
• How many (if any) heart attacks have you had?
• Do you suffer from atrial fibrillation (irregular heartbeat)?
• Can you always walk 200yds on the flat with no chest pain or tightness or breathlessness?

We like to do things thoroughly at Free Spirit, so we may well have other questions to ask. This just helps us ensure you get the right travel insurance for your heart disease. Please try to give us as much information about your heart disease as possible, so that we can make sure you’re properly covered for your upcoming trip.

If you’d like to know more about our heart disease insurance, or have any questions whilst getting a quote on our website, please don’t hesitate to call us. For a wealth of extra information, you can also take a look at our guide to travelling with heart conditions . Or, if you have a specific query, you can ask the Free Spirit Team , our resident expert in medical travel insurance.

Heart disease travel tips

Living with a heart condition can be challenging but enjoying a relaxing holiday can help – regardless of whether you’ve just been diagnosed or have been living with it for some time.

Here are some useful tips to help you travel safely with heart disease:

1. Choose your destination wisely

Think carefully about where you are going and what you are likely to do when you get there. A trip to Athens, for example, may involve lots of uphill walking and narrow steps, which can place unnecessary stress on your heart. Similarly, it might be best to avoid destinations that are very hot or very cold, or at a high altitude (over 2,000m).

Consider public transport as well – the easier it is to get around, the less strenuous walking you have to do. This is particularly important in warmer climes, where the heat really can sap your energy.

It’s imperative to think about healthcare provisions, and whether you’ll have easy access to professional help in the event of a medical emergency. Some smaller islands may not have accident and emergency facilities, for example. A little research should help you locate nearby pharmacies and doctors’ surgeries that stock any relevant medication, have a look in advance, and make a list to take with you so that you have the information to hand.

Speaking of medication…

2. Organise your medication in advance

it’s crucial that you sort out any medicines you need for your heart disease before going away for any length of time. If you are entitled to free prescription services here in the UK, the same is unlikely to be true in another country, so make sure you’re stocked up on everything you need before you leave. When you speak to your doctor ahead of booking your trip, ask them to prescribe more than enough medication for the time spent away, and keep a list of prescribed medicines – including all known names – in case you need more in an emergency.

Depending on where you’re headed, you may also need extra permissions to take your heart disease medicine with you overseas. Some countries have very strict rules about the medications they permit visitors to carry, and even some commonly prescribed medicines can be restricted. Our blog about taking medicine on holiday with you summarises the advice from the Foreign, Commonwealth & Development Office (FCDO), and it is also a good idea to speak to your doctor about this.

It’s also a good idea to split your supply of heart disease medication across your luggage, just in case one of your bags was to go missing. Finally, if your heart disease travel insurance provider has a 24-hour medical emergency helpline number we recommend you put it into your mobile phone and make a note of it somewhere before you travel. Couple this with your policy product name and reference, so that it is all ready to hand should you need it – even if your phone breaks or runs out of charge!

3. Long haul flights

Most people with heart disease are able to fly without any trouble, but it’s certainly worth talking to your doctor about it– especially if you’re flying long haul. There are a few precautions you’ll need to take if you’ve been fitted with a pacemaker or ICD (implantable cardioverter-defibrillator) as well. Airport security will need to be made aware, and you’ll be required to take the appropriate documentation.

You may also need to tell your airline ahead of time if you need to take any liquid medicines of over 100ml on board with you. Call them in plenty of time before your departure and they will be able to advise you.

The risk of deep vein thrombosis (DVT) may also be higher if you have heart disease, so be sure to invest in compression socks and move regularly during your journey. A quick walk once every hour is recommended, and make sure to drink plenty of water.

Don’t forget, you may be able to get extra help at the airport if you need it, including help transporting your luggage and/or early boarding.

4. Arranging the right travel cover

Having travel insurance for heart disease in place is an essential part of your pre-holiday preparations. If you’d like to know more about the heart disease travel insurance Free Spirit can provide, please don’t hesitate to get in touch , or apply online now.

We’re here to help

If you’d like to know more about our heart disease travel insurance, or have any questions whilst getting a quote on our website, head to our frequently asked questions page or get in touch with our friendly customer services team by calling 02392 419 080.

For further details of the cover we provide, take the time to read our insurance policy . You can also view our summary of cover by clicking here .

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Heart Problems Travel Insurance

Able2Travel Heart Problems Travel Insurance

There are around 7.4 million people in the UK suffering with Heart Problems. While having  heart problems such as heart failure is serious, if the condition is being managed effectively it shouldn’t necessarily get in the way of your trip or stop you getting the right kind of travel insurance for heart problems, for your needs.

At Able2Travel Travel Insurance, we specialise in providing travel insurance to people with pre-existing medical conditions such as heart conditions, like yours, allowing you to sit back, relax and enjoy your holiday.

We understand that long-term medical conditions such as Heart Problems can often be effectively managed by medication, enabling you to be insured and receive travel insurance for your heart problem. Our travel insurance policies for heart problems even include cover for lost or damaged prescribed medication and emergency replacement!

Able2Travel travel insurance provides an affordable and simple solution to those with pre-existing medical conditions such as heart problems seeking travel insurance. With 3 different levels of travel cover to choose from and deciding whether you need a Single Trip or an Annual Multi-trip policy, purchasing your travel insurance couldn’t be quicker or easier.

Are You Looking for Travel Insurance While On A Waiting List?

If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition, this doesn’t necessarily mean you can’t or shouldn’t travel. Here at Able2Travel, there’s a strong possibility that we may be able to find you a Travel Insurance solution, so you can travel with peace of mind while on a waiting list.

We may even be able to find you cover just in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery, which many other insurance providers simply can’t offer.

To get a quote for Travel Insurance while on a waiting list for medical treatment, please contact Able2Travel on  +44 (0)1483 806 826  to speak with one of our specialists.

Heart Problems Travel Insurance - What is Covered?

Our travel insurance policies for Heart Problems offer competitive Travel Insurance protection for your trip including a wide range of Travel Insurance policy benefits such as:

• Emergency Medical Cover – up to £10 million
• Baggage - up to £3,000
• Travel Delay & Missed Departure - up to £1,000
• Travel Accident - up to £20,000

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• Loss of Travel Documents - up to £500
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Able2Travel Travel Insurance has over 15 years of experience in finding Travel Insurance cover for senior travellers or travellers with medical conditions including travel insurance for Heart Problems, so whether you are looking for holiday insurance for a asthma or for another medical problem such as Heart Problems, you can be assured of receiving a fast, sensitive and competitively-priced travel insurance solution for your travel plans.

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All our Able2Travel Medical Condition Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:

• Section A – Trip Cancellation
• Section B – Trip Interruption
• Section C – Travel Delay & Missed Departure
• Section F – Emergency Medical Cover/Dental Cover Abroad
• Section G - Emergency Transportation

You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording .

Click the “Get a Quote” button to get specialist medical travel insurance with COVID cover to protect your holiday.

Heart Problems Travel Insurance - Policy Features

Able2Travel Travel Insurance offers 3 levels of Travel Insurance cover for both Single Trip and Annual Multi-trip travel insurance policies, enabling you to pick a Travel Insurance policy that is suited for your individual needs.

The Able2Travel Travel Insurance policy features table below will help you understand the different features on Single and Annual Multi-Trip travel insurance policies depending on the level of Travel Insurance cover that you choose.

*Available to extend to 45 days or 60 days for an additional premium.

**Available to extend to 45 days for an additional premium.

If you would like to contact us either email us at: [email protected] , or call us on +44 (0)1483 806 826 .

How do I get a Heart Problems Travel Insurance Quote?

It’s quick and easy to get an Able2Travel Heart Problems Travel Insurance quote: just click the  ‘Get a Quote’ button  to get a Travel Insurance quote online, or if you prefer to speak with someone then you can call our travel insurance team direct on  01483 806 826 .

All Heart Problems travel insurance enquiries are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our travel insurance specialists have access to a wide range of travel insurance options and will assist you in finding Travel Insurance cover for all medical conditions including Heart Problems. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the Travel Insurance cover for Heart Problems you need with one call to Able2Travel Travel Insurance.

For a Heart Problems Travel Insurance quote please call 01483 806 826 or click the button below!

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Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!

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. 

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Can I get Travel Insurance if I have a Heart Condition?

Confused about how a pre-existing heart condition will affect travel insurance? We provide you with the information you need to know before buying a policy.

• Buying Travel Insurance With Heart Condition

In many cases, a pre-existing heart condition won’t stop you from wanting to travel and experience different cultures, activities, foods and landscapes. 

While your heart condition might not factor too much into your travel plans (besides ensuring any medication you need is organised and packed, and you avoid activities your doctor has advised you to avoid) it can be important when it comes to whether or not you can be covered for a heart condition under your travel insurance policy.

Any heart condition, even those you may think are 'fixed' by a pacemaker or that are 'under control' with regular prescription medication, are still likely to be considered a pre-existing medical condition by your travel insurer.

However, this doesn't necessarily mean you shouldn’t purchase travel insurance, or that travel insurance won’t provide you with cover?

If you’re looking for travel insurance to protect you while you’re travelling but have a heart condition, you probably have a lot of questions.

Below we address some of the most frequently asked questions by travellers with heart problems, so that finding and understanding travel insurance is simple!

What do travel insurers consider a heart condition?

If you exhibit the symptoms of a heart condition, or have been diagnosed or treated for a heart condition at any time in your life, a travel insurer may consider you as having a ‘ pre-existing medical condition ’.

However, it really depends on the travel insurer .

When considering a travel insurer for your trip, you should always read their PDS to find out what they can and can’t cover, and whether or not they can provide cover for travellers with heart conditions.

Common heart conditions include:

• Coronary heart disease – the build-up of plaque inside the arteries.
• Deep vein thrombosis (DVT) – a blood clot in a vein, usually in the leg.
• Atrial fibrillation – a type of arrhythmia, where the heart does not beat in a regular rhythm.
• Cardiomyopathy – where the heart muscle becomes inflamed and enlarged.
• Angina – chest pain caused by lack of blood flow and oxygen to the heart.
• Prior operations – including valve replacement, stent procedures, and any other heart surgery.

Some important points to consider when travelling with a heart condition

The below is general advice only and is not intended to replace the advice from a medical practitioner or health care professional.

It’s important to be aware of your health and safety when travelling, especially if you have a pre-existing heart condition.

Before you travel, you may wish to consider some of the following:

The effects of high altitude

Travelling to countries at high altitude can result in heart complications. Lower oxygen levels can lead to breathlessness and an angina attack, for example.

Plane travel complications

Most popular travel destinations are a long flight away from Australia! Before you fly, visit your doctor to ensure you’re fit to travel by air. Some travellers with heart conditions are at higher risk of suffering from deep vein thrombosis (DVT) so research the exercises that can help prevent DVT in advance.

Bring extra medication and heart monitoring equipment

See your doctor before you travel to get advice about your prescription medications and going through airport security. They may advise you to inform a security guard if you have a pacemaker or implantable cardioverter defibrillator (ICD), so that you can opt for a pat-down or to be searched with a hand-held detector.

Also, be sure to pack information about your condition and enough medication for your trip, including an extra week or two just in case you are delayed in returning home.

Planning ahead is key

Consider your trip and the activities you want to do during your holiday. It’s important to be sure you don’t overexert yourself or engage in activities your doctor has advised against, or deviate from any diet you’re on to care for your heart health.

And remember to disclose any heart conditions when buying travel insurance, just in case!

Will travel insurers cover me if I have a heart condition?

Generally, you’ll find travel insurance companies will fall into one of three main categories when it comes to overseas medical cover for pre-existing heart problems:

1) Cover for pre-existing heart conditions.

Some travel insurers may offer cover for pre-existing heart conditions. If your heart condition is not automatically covered by your travel insurer , you may be able to add cover for your heart condition by completing a medical screening . If your travel insurer approves cover for your heart condition, you may need to pay  an additional premium for your heart condition to be listed on your certificate of insurance as a covered condition .

2) No cover for your heart condition, but other overseas medical emergencies are still covered.

If you look at the insurer’s Product Disclosure Statement (PDS), they may not include cover for heart conditions at all, even at the cost of an additional premium. However, this may not exclude you from medical cover completely. You may still be offered cover for emergencies unrelated to your heart condition such as breaking a bone in a bad fall or traffic accident, getting a severe stomach bug, or picking up an unexpected illness.

3) Your heart condition may exclude you from overseas medical cover altogether.

In some cases, a travel insurer may not provide you with ANY medical cover because of a pre-existing heart condition, even if you have had corrective surgery or that heart condition is being managed by medication. One common example is if you are taking Warfarin or a similar blood-thinning medication after a heart surgery. Some travel insurers will not provide you with medical cover due to the perceived risk.

To find out if your travel insurer will provide you with overseas medical cover, you should read their PDS,  which will outline the pre-existing medical conditions that can be covered either automatically or by paying an extra premium, the steps that you need to take to see whether your condition can be covered under your policy, and which medical conditions are excluded.

You can never predict what will happen when you travel, so it’s important to review the Product Disclosure Statement (PDS) carefully to make sure you have the cover you require for your travels is in place for any unexpected complications or emergencies overseas.

Do I have to do a medical assessment every time?

Whenever you take out a travel insurance policy, you have a duty of disclosure to respond to any questions that the travel insurer asks honestly, accurately and completely, about your existing medical conditions , so you will most likely need to complete a new medical assessment with updated accurate and complete medical information each time you purchase a policy.

Every travel insurer is different, so contact your travel insurer or read their PDS to see what they need for you to do to include cover for your heart condition under the policy.

How much cover can I expect to get for a heart condition?

The level of cover you receive can vary between insurers. Overseas medical cover for heart conditions may be unlimited, or capped to a certain amount depending on the condition or other factors such as age.

Be sure to read the insurers Product Disclosure Statement (PDS) to find out the amount of cover you’ll receive for a heart-related medical emergency.

What happens if I don’t declare a heart condition to my travel insurer?

If your pre-existing medical condition isn't automatically covered and you don’t declare it if the travel insurer requires you to, it is unlikely that you'll be covered for any claims arising from or related to that condition.

Some travel insurers may require you to declare any new medical conditions, or any changes to your existing medical conditions that occur after you purchase your policy and up until your trip departure date.

It won’t matter how ‘unexpected’ having a problem related to the pre-existing medical condition may seem when you purchase the policy.

Any pre-existing medical condition is an added risk taken on by the insurer, so if you haven’t declared a heart condition, the insurer may decide to refuse to provide financial cover if you need to see a doctor, go to hospital or be medically evacuated from your holiday destination due to a heart problem.

Overseas treatment and hospitalisation in any country can result in your holiday costing hundreds or thousands of dollars more than expected.

If you’re in a country such as the United States or Japan, healthcare can be extremely expensive. You don’t want to be slapped with a huge medical bill when you could have had a travel insurance in place to cover you, so it’s important to research your policy options before making a purchase, and declare any pre-existing medical conditions that you are required to declare in accordance with the travel insurance policy requirements .

What if I had a heart attack, heart valve replacement or stroke before, but I’ve recovered?

If you’ve had a heart attack or other complication with your heart before, you should still declare it to your travel insurer. It’s important to make sure you’ll have cover in place in case you experience any complications or if your pre-existing medical condition re-emerges while overseas.

Different travel insurers have different time periods for pre-existing medical conditions. Some require you to disclose medical conditions that you’ve had for 5 years up until your policy purchase date, while others may require you to disclose any medical condition you’ve had even longer .

At Fast Cover, travellers are required to declare medical conditions that they have had within the 3 years prior to their policy purchase date, and for any changes in health, including new medical conditions, from the date of policy purchase up until the date of departure.

If you’ve had a heart attack or other complication with your heart, on blood thinning medication following a stroke or heart attack, or had a valve replacement within the time period as set by your travel insurer you may need to declare it to your travel insurer in accordance with their policy requirements, even if you’ve recovered, or your condition is under control . It’s important to know if you will have some protection , just in case you experience any complications or if your pre-existing medical condition re-emerges while overseas.

How do you declare a pre-existing heart condition?

Travel insurers offer different methods for disclosing pre-existing medical conditions. They may require you to complete an online medical screening or over the phone.

Once you’ve completed the medical screening,  your insurer will let you know if you can be covered by one of their policies, as well as how much this might cost.

You should also be made aware of any exclusions that apply to your policy and your level of excess which is the amount you’ll have to pay first before the insurance provides financial assistance.

Fast Cover offers medical screening for your existing medical conditions. Check out their Medical Conditions page for more information about medical screening for your medical conditions including definitions of what Fast Cover considers to be a medical condition that needs to be declared, as well as General Exclusions that may apply.

If I’m a senior, will travel insurance for heart conditions cost more?

The cost of travel insurance usually goes up the older you get. This is generally because senior travellers are at higher risk of becoming sick or injured.

Seniors may also have more pre-existing conditions than younger travellers which means purchasing travel insurance which provides cover for a pre-existing heart condition is likely to be more expensive for a senior.

When you purchase travel insurance for senior travellers , be sure to check if there are any age restrictions for particular activities such as skiing or snow sports , and if there’s an age restriction on the cover for your pre-existing medical conditions.

What sort of questions are in a medical assessment for a heart condition?

The type of questions asked will vary between travel insurers, and may include:

• What is the medical term of your heart condition?
• What treatment or prescription medications are you currently taking?
• Have you had any recent changes to your treatment or medication?
• When did you last see a medical practitioner?
• Have you undergone treatment in hospital?
• Are you waiting to have your condition or treatment reviewed?

These questions will allow the travel insurer to assess your existing medical condition, decide whether to offer cover for your existing medical condition or decline cover , and calculate the additional premium that you may have to pay for your heart condition to be covered.

All pre-existing conditions such as diabetes, high blood pressure, high cholesterol, lung or chest infections can also affect your heart health and are important to disclose as well.

So, whether you have angina, are taking any prescription medications (including aspirin) following a heart attack or stroke, have had a heart valve replaced or any other heart condition, always remember to declare it to your travel insurer if they require you to do so in accordance with policy requirements . .

Always remember to read through the insurer’s Product Disclosure Statement (PDS) carefully. This will mean you know what you are and aren’t covered for before purchasing a policy.

Please note any advice is general advice only and does not take into account the customer’s individual needs, objectives or financial situation. Please consider the PDS prior to purchasing a policy to decide whether this product is right for you. Policies are subject to eligibility criteria, terms, conditions, exclusions, sub-limits and limits.

About the author

Laura is a content writer at Fast Cover. Fuelled by a passion for adventure travel and inspired to learn more about the world, she specialises in writing about travel insurance and health topics which are published across numerous travel forums and websites.

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Heart Disease Travel Insurance

At AllClear we believe that heart disease shouldn't stop you from travelling the world.

• 24/7 emergency medical helpline
• All pre-existing medical conditions covered
• Repatriation cover included

Travel Insurance for Heart Disease

Coronary heart disease travel insurance covers you if you have a heart condition and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, helping to prevent unexpected medical bills and unnecessary complications that can arise on trips abroad.

Why do You Need Travel Insurance for Coronary Heart Disease?

As the specialists in medical travel insurance since 2000, we understand that it can be difficult to get the travel insurance you want and need if you have a heart disease. AllClear provides travel insurance for heart conditions including angina , atrial fibrillation and cardiac difficulties after a heart attack .

We provide cover to thousands of people with pre-existing medical conditions travelling to destinations all over the world and if you have had difficulty getting heart disease travel insurance in the past, we could help you. Our travel insurance for heart conditions …

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Tips When Travelling After a Heart Attack

• Talk to your doctor (Source: NHS) about your trip and find out if they have any specific advice that you should follow while you’re on holiday. They have the best understanding of your heart condition , and they can let you know of any precautions you should – such as getting up from your seat at least every two hours to improve blood circulation.
• If you have an implanted cardiac defibrillator (Source: NHS) , you should request a hand search at security if possible. There have been no reports of ICD dysfunction caused by metal detectors, but researchers say there could be a theoretical risk.
• When you are on a special diet for your heart problems at home, try to follow your diet as much as possible on your trip. If you have heart issues, eating too much salt can increase your risk of symptoms – so avoid excessively salty foods while travelling.
• You will need to arrange medication for the duration of your trip, as well as extra supplies in case you are delayed or your medication is misplaced.
• If you experience heart symptoms, get emergency medical help right away. You will then need to contact the medical emergency assistance company as detailed in your medical travel insurance policy. You can find the correct telephone number to call for your policy here: Medical Emergency contact numbers.
• If there are any changes to your health before you travel, including any new medication, please contact our Customer Care Team on  01708 339029 and we’ll be happy to update your cover.

Simple 3 step quote process

1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes, our 5 star rating on trustpilot, what our customers say, important information on heart disease travel insurance, conditions related to heart disease.

Heart disease is a general term related to a number of conditions. It can also be called coronary heart disease and ischemic heart disease . The main symptoms of heart disease are angina , heart attack and heart failure .

You want to ensure you’re properly covered, does our medical screening process allow you to provide details of your heart disease history?

With many years of experience handling very complicated medical conditions, AllClear has designed a straight forward online medical screening process. This process is a simple question and answer format and provides us with all the information we need to offer you a quote for your heart disease.  Once completed you can review the quotes and cover levels available and decide the premium you wish to pay.

What will affect the premium?

With holiday insurance for heart conditions , premiums are calculated based on the answers you provide throughout the medical screening process. Many factors are taken into consideration including the length of your holiday, where you are going, your age and medical conditions.

What happens if your medical situation changes after you’ve bought your policy?

If you develop a new medical condition or an existing one changes once you’ve purchased your travel insurance, you will still be able to amend your policy. Please ready our change in state of health article for more information. You will need to notify us at the earliest opportunity and in particular before you book or commence your trip –  just call our Customer Care Team and they will be happy to make any adjustments. Please note that in some cases an additional premium may be applied to your policy to make these changes. Please check your policy wording as providers may vary .  

Article References:

• NHS: Traveling with a heart condition
• NHS: When can I fly after a heart attack?

Annual multi-trip or single trip?

An annual multi-trip policy allows you to travel multiple times within a year. The maximum duration of these trips varies between policies. However, it is usually between 31 to 45 days. If you need a longer trip duration or, if you only plan on travelling once in the year, then a  single trip travel insurance policy  may be right for you.

What will affect the price of your policy?

We calculate the premiums you’re displayed using multiple factors. These include  age , trip duration ,  destination  and  pre-existing medical conditions .

  Quote now

Written by: Nick Heady Last Updated: 19 June 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

TRAVEL INSURANCE FOR HEART CONDITIONS

With around 1 in 5 Australians, or over 4.2 million Australians living with cardiovascular disease, travelling with heart conditions is becoming incredibly common. We get calls daily from people looking for travel insurance for their heart or cardiovascular condition, particularly heart attacks, pacemakers, atrial fibrillation and stents - so you're not alone. While it used to be incredibly common for insurers to have blanket exclusions for heart conditions, the industry is becoming more sophisticated and cover is now more widely available. It’s important for travellers to take advantage of this and cover their condition if they’re able to.

Declare your condition

Many insurers are employing advanced online medical screening tools to allow more travellers to get the cover they need for an increase in premum. You can answer questions about your condition and they’ll let you know immediately if they can cover you and if there will be an increase in the premium. If you’re an otherwise healthy non-smoker who can get around without breathlessness, have a preventative stent or had a heart attack a three years ago, for example – these things no longer seem to be a barrier to getting full travel health cover with these screenings. Remember, all declarations are assessed on a case-by-case basis, so it is important to answer the questions accurately. Incorrect information can invalidate your policy, which means eyewatering medical bills for you and your loved ones.

Insider Tip: Check out the underwriter

Insurers with the same underwriter often have the same health screening standards, which means if you can't get cover for your condition with one brand, you're unlikely to be able to get cover with other brands with the same underwriter. 

If you’re having difficulty getting cover with any standard travel insurer, an option to look at is a specialist medical travel insurer, like AllClear Travel Insurance , as they consider a wider range of conditions for those of any age.

Who offers cover for some heart and cardiovascular conditions?

P   reparation is important

Before you book your flights, it’s a good idea to visit your doctor to get a check-up. Take the opportunity to talk about ways you can improve your health in the lead up to your trip, particularly with respect to diet or exercise plans. Given that conditions like influenza can be a trigger for heart attacks, you may also wish to enquire about getting your flu shot. Thanks to increased physical activity, sun exposure and alcohol, dehydration while on holidays is very common, which can cause a strain on your heart due to decreased blood volume and thicker blood. Drinking plenty of water, particularly as soon as you wake up and while outdoors can assist in preventing unnecessary heart stress. Before travelling, make sure you stock up on your medications, as depending on where you travel to, you may not be able to easily obtain them if you run out. When you board a flight, have your medication in its original bottle, with the prescription letter from your doctor, and always transport it in your carry-on – if your checked luggage ends up in the wrong place, you don’t want your medication to be there too.

Are You A Mature Traveller?

If you are over the age of 50, finding a suitable policy to cover your pre-existing medical conditions can be more tricky. Read our  guide to seniors travel insurance  for some top tips.

Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Travel insurance for heart conditions

Heart condition? No problem.

We can provide travel insurance after a heart attack, heart failure, angina and other common heart conditions, all with no upper age limit.

• 24-hour emergency medical support
• No upper age limits
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Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.

Travel insurance to cover heart conditions

At Total Travel Protection, we believe that heart conditions should not stop you from taking the holidays you love. We are dedicated to providing people with heart conditions travel insurance that means they can holiday with peace of mind and comprehensive cover. We know that heart conditions can often mean lengthy recoveries and other lifestyle changes. But we don’t believe you should have to change your travel habits! If you need travel insurance for a heart condition, we can help. We cover all types of heart conditions up to a high level of severity, and with no upper age limit. For more information, request your quote today.

Travel insurance cover and benefits

• Emergency medical & repatriation up to £10 million (Platinum Cover)
• 24 hour emergency medical assistance
• Cancellation cover up to £6,000 (Platinum Cover)
• Cover for mobility aids and prescription medication
• Personal property up to £3,000 (Platinum Cover)
• Personal liability up to £2 million (Platinum Cover)
• Legal expenses up to £25,000

Travel insurance protection for heart conditions

Travel insurance protection from Total Travel Protection can cover you and your holiday, even if you have a heart condition. Heart conditions, including heart attacks, angina, stents atrial fibrillation and more, can all be covered, up to a high level of severity.

Our policies include cover for emergency medical expenses and repatriation (getting you home) up to £10 million per person whilst you are abroad, as well as access to our 24-hour emergency medical assistance team by phone, from where you are in the world.

Cover is also available for mobility aids, prescription medication, cancellation, personal possessions, legal expenses, personal liability and much more.

Cover for prescription medication

Living with a heart condition might mean you have to take prescription medicines on holiday with you. Those can be expensive to replace if they are lost or stolen while you’re away, so our travel insurance for a heart condition also includes cover for loss of medication up to £300 per person.

Our travel insurance for heart conditions is available to buy online, all day every day, on our website. You can request a quote tailored to your specific needs, whenever suits you best.

Heart condition cover by phone

If you’d rather speak to someone on the phone, one of our friendly and professional team will be delighted to take your call.

They’re all fully trained to answer your questions and offer any help you need.

You can call us on 0330 053 3747

We are open Sales:Monday to Friday 9am - 7pm.Saturday and Sunday 9am - 5.30pm.Customer service:Monday to Friday 9am - 5pm..

The price for our heart condition cover is always the same whether you order by phone or online, and you’ll receive the same excellent service however you choose to buy.

Single trip insurance

As you may expect, our single trip insurance covers just that – one specific trip, from the day you leave to the day you return home.

Your trip can last for up to 94 days and can be to anywhere in the world you want to visit. (Providing the Foreign, Commonwealth and Development Office is not advising against non-essential travel).

Cruise insurance

Cruises are covered as standard on all Total Travel Protection insurance policies, both by river and by ocean.

Additional cover options

Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.

Natural catastrophe

Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More

Gadget cover

This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More .

Hazardous sports and activities

Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added.  Read More

Missed connection cover

Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.

Terrorism cover extension

Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.

Pet cancellation cover

This option extends the cancellation and curtailment section of your travel insurance to include unrecoverable holiday costs, such as transport, accommodation, and foreign car hire, if your pet dog or cat needs emergency life-saving treatment. Read More

Additional waiting list cover

Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.

Heart condition travel insurance FAQ

What types of heart conditions can you cover.

We cover all types of heart conditions up to a very high level of severity. Whether you need travel insurance after a heart attack, or a policy to cover a condition you’ve been living with for months or years, we can help.

Do I need to declare all of my pre-existing medical conditions?

Yes. We need to get a clear picture of your medical history in order to provide cover.

If you don’t declare a pre-existing medical condition; it can affect the cover of your policy. Any pre-existing conditions that we don’t know about could lead to claims only being partially paid out, or possibly denied altogether.

I’m currently on a waiting list for treatment for my heart condition. Will you still provide cover?

Yes. Provided the treatment relates to a diagnosed existing heart condition that you tell us about when you buy a policy, we can provide travel insurance for you to take a holiday whilst you are on a waiting list for treatment.

However, we are unable to provide travel insurance cover for undiagnosed medical conditions.

Please note: If you are awaiting treatment or investigation, our policy will not provide cover for cancellation or curtailment under the following circumstances:

• You receive an appointment that conflicts with your planned trip.
• You become unable to travel as a result of the planned treatment or investigation.
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Travel Insurance for Heart Conditions

Conditions affecting the Heart can vary widely, in some cases only requiring monitoring or regular medication to have little impact on daily life; in other cases leading to the need to surgery, long-term careful management and some compromises both at home and when travelling. Buying the right Travel Insurance is an essential consideration for anyone with a Cardiovascular condition and a history of illness affecting the Heart can continue to have any impact on insurance cover for some time even after the condition has been corrected. Many travel insurance policies have exclusions or restrictions on existing medical conditions, so it is important to find a policy that takes into consideration both your medical history and current treatment so that you can travel with peace of mind. In the UK, over 7.5 million people are living with a Heart or Circulatory condition and whilst treatment and medication options are improving, Coronary Heart Disease remains a serious illness and the most common cause of Heart Attack. Travelling with inadequate insurance is never advisable, but for travellers with a current or historical Heart condition, comprehensive insurance is a must. We understand the importance of insurance cover for Cardiovascular and related conditions and our experienced Sales Consultants can guide you through the medical screening to help you choose the right cover for your needs . Worldwide Travel Insurance offers cover at competitive rates, with low medical endorsment premiums, giving you the cover you need at an affordable cost.

To find out more about insurance options for travellers affected by Diabetes, please call our office UK(+44) 01892 833338 or email us .

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Benefits to travellers with Heart conditions when buying travel insurance with us:

• We offer a Specialist Screening service over the telephone for customers in the UK with medical conditions including Cardiovascular
• Medical screening is also available for some EU residents - please contact us for information
• For residents of other Countries, we are currently unable to screen existing medical conditions, so please contact us to discuss the policies we can offer
• In addition to our main range of comprehensive policies, we have insurance options with no age restrictions; cover for medical conditions whether long-term or recently diagnosed; cover for higher risk conditions. This enables us to assist you in finding the right cover for your individual needs
• We can cover UK and EU-based travellers with Heart Disease; Arrhythmia; Atherosclerosis; Angina; Atrial Fibrillation;Cardiomyopathy; Congenital Heart Disease; Ischaemic Heart Disease. We provide cover if you have had successful heart surgery; stenting; a Pacemaker fitted; Angioplasty; Cardioversion.
• Our policies can also insure many associated conditions including High Blood Pressure; High Cholesterol; Diabetes.
• our Sales Consultants are highly trained to provide a friendly, sympathetic and professional service.

Buy travel insurance from the experts...

• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund if you have not travelled and no claim has arisen.

Customers with Serious Medical Conditions

If you are resident in the UK, the Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help. Go to www.moneyadviceservice.org.uk or call 0800 138 7777 (Mon to Fri 8am – 6pm).

A wide range of Insurance Policies to suit your individual needs

Our policies include:.

Your security with Worldwide Travel Insurance:

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance. Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not  travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

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Can You Buy Travel Insurance for Road Trips?

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Primary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Secondary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Election latest: Protester climbs on to Tory battle bus

Rishi Sunak has hit out at Doctor Who actor David Tennant, but the Tories are also under fire from another British TV favourite - Martin Lewis. It comes as the election gambling scandal rolls on, and ahead of the prime minister's final head-to-head debate with Sir Keir Starmer.

Wednesday 26 June 2024 16:47, UK

• General Election 2024

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• Man arrested in honeytrap scandal | Labour suspends suspect
• Protester climbs on top of Tory battle bus
• 'You are the problem': Sunak attacks David Tennant
• Lib Dem leader admits betting on 2010 general election
• Martin Lewis takes Tories to task over 'private' Labour talks
• Coming up: Sunak vs Starmer in one final debate
• Live reporting by Ben Bloch

Election essentials

• Manifesto pledges: Conservatives | Greens | Labour | Lib Dems | Plaid | Reform | SNP
• Trackers:  Who's leading polls? | Is PM keeping promises?
• Campaign Heritage:  Memorable moments from elections gone by
• Follow Sky's politics podcasts:  Electoral Dysfunction | Politics At Jack And Sam's
• Read more:  Who is standing down? | Key seats to watch | What counts as voter ID? | Check if your constituency is changing | Guide to election lingo | How to watch election on Sky News

By Jon Craig , chief political correspondent

Rishi Sunak's closest Commons aide, Craig Williams, has been interviewed by Gambling Commission officials over his bet on the timing of the general election, Sky News understands.

He has been cautioned and interviewed by two ex-police officers and a former HMRC official who are now investigators at the commission, according to a Gambling Commission insider.

It is understood the commission is now conducting a "live criminal investigation" and Mr Williams could face prosecution, a caution, or no further action, depending on the evidence.

The interview is said to have begun this morning and then resumed this afternoon after a lunchtime break.

You can read more from Jon Craig in the link below:

Farming minister Sir Mark Spencer has denied Greenpeace activists' claims that the Tories scored the worst of all parties on the environment.

Asked about the protester climbing the Conservative battle bus, he said it was ironic that "I'm here in my electric rechargeable vehicle and they turned up in their diesel van to protest about the environment".

Sir Mark said: "I think they made their point. I mean, I'm sympathetic to some of the points they made. 

"You know, I think in the Department for Environment, Food and Rural Affairs we're doing a lot to lower our carbon footprint and improve the environment."

He said the criticism of the Tories' record on the environment was not "fair at all".

"We've made huge strides in making sure that we are both energy secure but lowering our carbon footprint as a nation."

Sammy Wilson, the East Antrim candidate for the Democratic Unionist Party, has condemned a "senseless attack" on his constituency office.

The DUP said a "number of shots" were fired at the window of his office in Carrickfergus overnight.

Mr Wilson said this is a "senseless attack" - but he "won't be deterred" from speaking his mind.

He added: "Whilst we do not know what sort of weapon was used in the attack it could have caused injury to anyone who happened to be in the area at the time.

"Throughout my years as a public representative, I have never been deterred from putting forward by views and I won't be deterred now."

The other candidates in East Antrim are:

• Mark Bailey, Green Party
• Danny Donnelly, Alliance
• Margaret Anne McKillop, SDLP
• Oliver McMullan, Sinn Fein
• John Stewart, UUP
• Matthew Warwick, TUV

If you don't have any photo ID, today is the deadline to apply for an ID certificate you can use at the general election. 

This is called a Voter Authority Certificate - and you have until 5pm to apply online.

That's also the deadline to apply for someone to vote on your behalf if you can't make it to the ballot box on 4 July - known as a proxy vote.

Tap here if you need to do that.

Remind me... what are these certificates all about?

This is the first time people voting at a UK general election will need to provide photo ID.

There are 22 different types of ID you can use - including passports, driving licences, and other travel passes.

You can find a full list below:

But if you don't have one, get a Voter Authority Certificate.

To apply online here , you must have already registered to vote.

You also need a recent photo and your National Insurance number, or some other way of proving your identity - like a bank statement.

Remember, you have until 5pm. Don't forget!

Amy Rugg-Easey, the Greenpeace protester who climbed on to the roof of the Conservative battle bus, has criticised the prime minister's record on climate.

She had sat atop the bus in Nottinghamshire for a matter of minutes, before climbing down holding a flag reading: "We need clean power, not Paddypower."

The woman was one of four people charged with with criminal damage after a protest on the roof of Rishi Sunak's home in August last year.

She pleaded not guilty to the charge, with a trial set to take place in July.

Today, Ms Rugg-Easey said: "Fourteen years of Conservative governments has left this country broken.

"(Rishi) Sunak has gone backwards on climate action, ditching key pledges and promising to 'max out' the climate-wrecking oil and gas that are the cause of the cost of living crisis and our unaffordable bills.

"Our rivers are awash with sewage and our economy, NHS and public services are on their knees.

"Enough is enough. We've climbed onto Sunak's battle bus today to remind the British public that it is the Conservative government's consistent failure to deliver greener, fairer policies that has created the mess we're in. 

"Don't back the wrong horse - a vote for the climate is a vote for a better future."

The prime minister was not travelling on the Conservative battle bus on Wednesday.

Our live poll tracker collates the results of opinion surveys carried out by all the main polling organisations - and allows you to see how the political parties are performing in the run-up to the general election.

It shows a drop in support in recent days for Labour and the Tories - with a jump for Reform and the Liberal Democrats.

Read more about the tracker here .

A Greenpeace protester climbed on top of the Conservative battle bus while it was parked up in Nottinghamshire this afternoon.

Our political correspondent Darren McCaffrey was at the scene, where climate protesters were stressing the need to vote with the climate in mind.

Asked about the method of their demonstration, one man said: "I think it's an important way to make our point."

The protester - a young woman named as Amy Rugg-Easey - was on top of the bus for a matter of minutes, before climbing down holding a sign reading: "Clean power not Paddypower". 

This banner is likely a reference to the Conservative betting scandal, which has seen the party withdraw support from a number of candidates over allegations of informed betting on the date of the election.

The general election is next Thursday, but smaller parties are still launching their manifestos to make a bid for votes - and seats - on 4 July.

The latest comes from the Ulster Unionist Party, which launched its manifesto, titled " Making Northern Ireland work ", this morning.

Here are the key points of the UUP's election pledges: 

• Its manifesto details that the Ulster Unionist Party is committed to defending and promoting Northern Ireland's place within the UK;
• On the economy, the party has said it is committed to fiscal responsibility and effective financial stewardship. It aims to work with the Westminster to gradually reduce Corporation Tax in Northern Ireland to 15% ;
• The UUP also vows to "commit to our long-standing policy of maintaining pay parity " in the health service in Northern Ireland;
• It also commits to engage with Executive colleagues in order to ensure independent pay recommendations are funded and delivered as quickly as possible;
• And the party vows to increase Northern Ireland's police force by 7,500.

Josh Greally, 28, has admitted a public order offence at after throwing items at Reform UK leader Nigel Farage on 11 July.

Greally, from Chesterfield, was arrested in Barnsley town centre after he threw what looked like a coffee cup and another object at Mr Farage, who was campaigning on the top deck of his battle bus.

Neither of the objects hit the politician.

Greally pleaded guilty in a short hearing when appearing at Barnsley Magistrates Court on Wednesday.

He will be sentenced on 28 August.

A man arrested in north London in connection with the Westminster honeytrap scandal was a Labour Party member, Sky News understands.

Met Police said they had taken a man in his mid-20s into custody in Islington this morning.

He was arrested on suspicion of harassment and committing offences under the Online Safety Act.

Labour said they had administratively suspended a member after police notified them of the arrest.

The honeytrap scandal saw a number of MPs and parliamentary staffers received suspicious messages from unnamed senders.

The investigation by the Met's Parliamentary Liaison and Investigation Team began on 6 April following reporting, first published by Politico, of unsolicited messages being sent to MPs and people with links to parliament.

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