Compare travel insurance for heart conditions

Travelling with a heart condition can feel daunting – especially when you’re unsure what your insurance will cover if something happens.

 

Some insurers may charge more or restrict cover because heart conditions can increase medical risk while travelling. That’s why comparing policies is so important.

 

At PayingTooMuch, we work with insurers who offer cover for people with pre-existing medical conditions, including heart conditions. By comparing quotes, you can see what’s available, understand your options clearly, and find cover that supports your health needs – without paying more than necessary.

 

That’s what makes us different from general price comparison websites. We specialise in travel insurance, including for customers with medical conditions.

Travel insurance for heart conditions isn't always included as standard, so it’s important to check what is included before you buy your policy.

Make sure you declare your heart condition when getting a quote so your cover is valid.  Your policy might cost more to add your conditions but it’s important to be fully covered if you have a medical emergency that impacts your trip.

 

Policies may include cover for:

 

• Emergency medical treatment 

 

If you become unwell or have a medical emergency while abroad, this can help cover treatment costs.

 

• Medical repatriation 

 

If you need to return to the UK for treatment, this can help cover transport costs.

 

• Cancellation and curtailment 

 

If illness means you have to cancel your trip or cut it short, you may be able to claim back unused costs.

 

• Travel disruption 

 

Cover if your journey is delayed or disrupted due to insured events. 

 

• Personal belongings 

 

Protection for loss, theft or damage to luggage and valuables. 

 

All policies differ, so always check the policy wording carefully.

You’re unlikely to be covered for: 

 

• Travelling against medical advice

 

• Undeclared medical conditions 

 

• Routine or planned treatment abroad 

 

• Claims linked to alcohol or drug use

 

• Cancelling for reasons not listed in your policy 

1. Get started 

 

Click “Get a quote” and answer a few questions about your trip and your health.

 

2. Declare your medical condition 

 

Tell us about your heart condition and any related treatment so insurers can assess your needs.

 

3. Compare quotes

 

We’ll show you quotes from trusted insurers so you can compare prices and cover side by side. 

The cost of travel insurance for heart conditions depends on several factors:

 

• Your age 

 

Premiums often increase with age due to higher medical risk. 

 

• Your medical history 

 

The type of heart condition you have, treatment received, and whether your condition is stable can affect pricing. 

 

• Your destination 

 

Countries with higher healthcare costs, such as the USA, typically increase premiums. 

 

• Trip length 

 

Longer trips usually cost more to insure.

 

• Activities 

 

Some activities may require additional cover. If you’re planning on doing winter sports, you’ll need to add winter sports travel insurance when you take out your policy. 

 

Comparing quotes helps you understand what different insurers charge and what you’re getting for your money.

With this simple checklist, you’ll know exactly what to look for. 

Make sure your policy covers the full duration of your trip. 

Check your policy covers every country you’re visiting, especially on multi-destination trips.

Declare all heart-related conditions and medications accurately.

Ensure your medical and repatriation limits are high enough for your destination.

Carry your GHIC or EHIC when travelling in Europe, but remember it doesn’t replace travel insurance. 

PayingTooMuch meets the eligibility requirements to be included on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a ‘medical cover firm directory’. This means that PayingTooMuch may be able cover customers who may not be able to find travel insurance from other travel insurance providers. To be part of this directory, PayingTooMuch went through a thorough checking process to prove that cover could be provided for particular scenarios without exclusions for customers. 

 

In some cases, we might not be able to find travel insurance for you. If that happens, try the Money Helper website. If you’d prefer to speak to someone, you can call them on 0800 138 7777 – they’ll put you in touch with other specialist travel insurance providers.

This is where an insurance provider will help you get home if you’re unwell and unable to continue to travel as planned.   

An annual multi-trip policy is designed for people who travel more than once a year. Instead of buying a new policy for each trip, this single policy covers you for multiple trips throughout the year, giving you year-round protection.

This is where an insurance provider will help pay towards any costs incurred if you accidentally cause injury to someone or if you damage someone else’s belongings. For example:

 

If you accidentally knocked someone over on the pavement and they have to pay medical costs to be treated for an injury, you should be able to claim back some of the cost on your travel insurance. 

 

Or, if you accidentally knocked someone’s phone out of their hand and their screen broke, so you had to pay to replace it, your travel insurance could help.