Insurance for heart conditions
Finding insurance, in particular travel
insurance, can be difficult when you have a heart
condition or are recovering from a heart
attack or heart surgery.
We know how frustrating this can be and so we have compiled some
information about a number of
insurance companies, gathered from feedback from people who
have a heart condition.
We don't work with or endorse any of the companies mentioned and
we can't guarantee that they will be able to offer insurance to
everyone - however, this may prove to be a good starting
How do I answer the medical questions that insurance companies
Insurance is a popular talking point on our
online community, and you can find lots
of up to date information from fellow travellers and insurance
The health declarations that insurance companies ask for are
often very detailed, particularly about your past and present
health conditions and medications.
It is really important therefore to declare all your
past and present health conditions because making a
mistake or omission could unfortunately result in any claim made
It is a good idea to talk to your GP before purchasing an
insurance policy as they will be able to help you answer the
medical questions about your health.
What can I do if I can't find travel insurance?
The Association of British Insurers may be
able to help if you are finding it difficult to get travel
What if I have a complaint?
If you have any complaints or think you have been treated
unfairly as a result of a policy claim, the Financial Ombudsman
Service are there to help you.
Will a European Health Insurance Card (EHIC) cover my heart
The EHIC can entitle UK citizens to free or reduced-cost medical
treatment in those countries. While it is important to have a
European Health Insurance Card (EHIC) when you're travelling in
most European countries, it doesn't replace travel
insurance so it's important to have both.
You can apply for an EHIC online on the
NHS Choices website or through the Post Office. For a full list
of the countries covered by an EHIC and more general information,
Department of Health.
If you need oxygen supply services while you are abroad, contact
the Department of Health's Customer Service
Centre on 020 7210 4850 for more information.
What if I want to go abroad for medical treatment or
An E112 may give you the option of undergoing medical or
surgical treatment in other EU countries. You can find more
information in the Department of Health's booklet
Health Advice for Travellers.
We want your feedback
We welcome your feedback about insurance. You can email us or write to
British Heart Foundation
Greater London House
180 Hampstead Road