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Can I get travel insurance if I have cardiomyopathy?
We may be able to offer travel insurance that covers your cardiomyopathy. Just make sure you let us know about your heart condition when you get a quote, and any other pre-existing conditions you have.
Types of cardiopathy we may cover include:
Genetic cardiomyopathy.
Ischaemic cardiomyopathy.
Hypertrophic cardiomyopathy.
Idiopathic cardiomyopathy.
Takotsubo cardiomyopathy.
Viral cardiomyopathy.
Our policies include all the benefits of our award-winning travel insurance and cover if something unexpected happens related to your cardiomyopathy while you’re abroad.
Why get travel insurance for heart conditions with Staysure?
We’re specialists in covering pre-existing conditions, including cardiomyopathy.
We’re the UK’s number one travel insurance provider, based on Trustpilot reviews.
We tailor your quote to your conditions.
You’ll have 24/7 emergency medical assistance worldwide while abroad.
Receive unlimited emergency medical expenses cover with no excess with our Signature policy.
How Staysure travel insurance for cardiomyopathy works in three easy steps
To get cover, you’ll need to declare your cardiomyopathy and any other pre-existing conditions to us when getting a quote for travel insurance. We make it easy to get a quote tailored to your trip and health.
1. Tell us about your trip
We’ll need a few quick details to get started:
If you need cover for one trip or multiple trips.
Who the insurance is for.
Where you’re going and how long for.
2. Let us know about your cardiomyopathy
Our simple medical screening helps us understand you better and the level of care you could need abroad.
Some of the things we’ll ask about include:
Your condition, including any other past heart conditions or angina.
Your treatment plans, if any.
Your general physical ability.
Don’t forget to let us know about any other pre-existing medical conditions.
3. Get your quote
If you complete the screening and we can cover you, your tailored quote will be available to view online, and emailed to you. It includes travel insurance tailored to cover your condition(s).
Explore and choose from three levels of cover to suit your needs (as below).
Choose optional add-ons to tailor your quote to your trip, including winter sports or cruise plus benefits.
What does travel insurance for cardiomyopathy cover?
If your cardiomyopathy symptoms worsen while travelling, you could need quick access to the right care. We’re here 24/7 to provide you with emergency medical support from specialists while you’re abroad.
When you need emergency treatment or help managing your cardiomyopathy, we are on hand:
Emergency medical care if you have a heart-attack or complications arise when you’re abroad
Treatment support if you develop symptoms or need urgent care
Finding a suitable local specialist, booking transport or arranging direct payments where possible, so you can continue your trip safely
We know how important it is to have your medicines to hand. If your prescription medication is lost, stolen or damaged, it can be tricky to track down medicines abroad. With our Comprehensive and Signature policies, we offer Personal Assistance Services for situations just like this.
While we can’t cover the cost of medications, we can help you replace them, including navigating the local healthcare system or by connecting you with English speaking health professionals.
If you need to end your trip early due to your cardiomyopathy, we'll take care of getting you home. We'll cover everything from travel arrangements and cancellation fees to medical support along the way, in line with your cover level.
This includes cover for the impact of unforeseen circumstances on your travel plans, such as if your condition leads to cancellation or requires you to cut your trip short.
How much is travel insurance with cardiomyopathy?
Your travel insurance costs are tailored to your individual circumstances and travel plans.
We consider factors that help us provide a quote tailored to your needs:
Any treatments or medications you're taking.
If you have a pacemaker or ICD fitted.
Whether you have other heart conditions.
Your overall heart health and stability.
Where you plan to travel and trip duration.
You can find out how much your policy costs in minutes using our straightforward medical screening when you get a quote.
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Flexible cover add-ons to suit you
Tailor your insurance to your trip with optional add-ons. Everything you need, covered under one policy.
For some, cardiomyopathy can affect many aspects of life. But with careful planning, travel doesn’t always have to be one of them.
“In the UK, cardiomyopathy affects 1 in every 250 people. A medical travel insurance policy tailored for you is one thing that can help you feel more confident taking that special trip.
”
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Other conditions we cover at Staysure
We’re experts in travel insurance for pre-existing health conditions. Just let us know your conditions when you fill out your quote, or contact us to amend an existing policy.
Being prepared for travelling with a heart condition can help you enjoy the things you’ve planned.
Pre-travel checklist for travelling with cardiomyopathy
Before booking your trip, talk to your GP to make sure you’re fit to fly, or fit to cruise or travel.
Check any restrictions on travelling with medication or medical equipment in the country you’re visiting, including whether you need a signed doctor’s letter, which you can check with the country’s embassy.
It may be helpful to request your most recent ECG to take with you.
If you’re travelling in Europe, get a GHIC – remember, this doesn’t replace travel insurance.
If you have an implanted device, find out if there are pacing clinics where you’re visiting.
Check for any restrictions on medication going in or out of that country.
Make sure you have enough medication for the entire trip with a few extras just in case.
At least two days before going, you may want to inform the airline, accommodation, or tour operator of your condition.
Travel insurance that includes your heart condition means you can access emergency cardiac care abroad without the cost
“When travelling with cardiomyopathy, timing and preparation are crucial. Get written clearance from your cardiac team and choose destinations with good medical facilities. Travel insurance that includes your heart condition means that if something goes wrong, you can access emergency cardiac care abroad and get help coordinating with specialists back home - giving you peace of mind to focus on enjoying your trip.”
Tips for travelling with cardiomyopathy
If you need to bring medication, keep them in their original packaging with your prescription in case you need medical help. You might want to pack them in your hand luggage and suitcase in case any baggage is lost or delayed.
You may be taking medication on a fixed schedule. If you’re travelling to a different time zone, speak to your nurse or pharmacist for advice on a new schedule to fit with the local time.
If your heart medication causes sun sensitivity, it may be worth keeping an eye on the weather forecast and taking care outdoors between 11am – 3pm. Remember to always use sun protection.
If you take diuretics, your GP or pharmacist can help you plan staying hydrated on your trip, especially if you’re going somewhere hot.
Going on a trip is a great way to get your steps in without even realising it. But some people with cardiomyopathy might need to take extra care when being active. Here are some things to consider as you go:
Stay in accommodation that’s easy to get to and close to facilities like restaurants, or shops
If there’s an activity you want to do that might be challenging, speak to your GP in advance to make sure you’re fit enough
Carry phone numbers for your local emergency services and your travel insurer in your wallet or purse
If you find yourself feeling stressed, stop what you’re doing and try to relax with some deep breathing exercises
If you have an implanted device, carry your device identification card at all times and show it to tour guides or activity staff beforehand
Getting plenty of rest between activities is a must when you travel. Make sure your room is comfortable and quiet. You might want to ask for one that’s close to a lift, reception, or an emergency exit for peace of mind.
Some people with cardiomyopathy are fitted with an implanted device such as a pacemaker or an ICD. This shouldn’t stop you from flying.
If you’re worried about flying with a device, it might help to call your airline and let them know in advance. The airline and crew members will be able to look after you and help you fly more confidently.
During security checks, you can walk through the airport scanners like normal. This should not interfere with your device or damage it.
You might be scanned with a handheld scanner. Let security know you have a device and show them your device identification card. You can ask them to avoid passing it over your heart.
If you have any concerns, you can ask to be searched by hand instead.
Common questions for travelling with cardiomyopathy
Cardiomyopathy is a pre-existing condition so it’s important we know about it.
For a valid policy, you’ll need to tell us about your cardiomyopathy and any other pre-existing conditions, including if you’ve ever had a heart attack, angina or chest pains.
If we don’t know about your pre-existing conditions, we won’t be able to cover you if you need to make a claim.
If you want to find out more, have a chat with a friendly member of our support team over the phone at the following times:
Monday - Friday: 8.30am - 8pm
Saturday: 9am - 5.30pm
Sunday: 10am - 4pm
Many people with cardiomyopathy can travel without issue. For others, putting some extra thought into the planning process can offer reassurance while they’re away.
It’s worth talking to your doctor or nurse before booking any trips. They’ll be able to advise and support you in planning a trip that’s best for you.
If you’ve recently had surgery or have had deep vein thrombosis (DVT) before, ask your GP if compression socks would be necessary.
Book an aisle seat on your flight so you can get up and walk around the plane. When you’re sitting, it might help to stretch your arms and legs in front of you to help with blood flow.
If you’re on a long road trip, consider planning plenty of rest stops along the way so you can get out of the car and move around. Simple exercises like circling your ankles when you’re in the car can help soothe discomfort.
If you or someone on your policy is admitted to hospital or your outpatient treatment is likely to cost more than £350, contact us as soon as possible. Where you have a valid claim, and your medical expenses exceed £350 we will look to settle the bill directly with the medical provider where possible.
If you have a non-urgent medical concern, such as sickness, headaches, or mild pain, contact our helpline first for advice on where to go for assistance.
As good as travel insurance is, some things can’t be covered.
You’re not covered for:
Travelling against your doctor’s advice
Claims for pre-existing medical conditions you haven’t told us about
Routine check-ups, planned treatment or non-emergency care
Travel for medical procedures abroad
Reimbursement for lost, damaged or stolen medicines or equipment
Incidents related to alcohol or controlled substances
Strike action that was common knowledge at the time of booking
Choosing private treatment when suitable public facilities are available
Choosing not to travel
Discover more about what travel insurance covers. Always check your policy documents carefully to understand exactly what you’re covered for.
When comparing travel insurance policies for cardiomyopathy, you’ll want to look out for what’s covered and what’s not.
The right travel insurance for cardiomyopathy should:
Agree to cover your cardiomyopathy and any other pre-existing conditions you have
Cover medical expenses, including necessary emergency travel home
Have a high medical cover limit
Help you replace lost, stolen or damaged medications
Cover you for cancellations or interruptions during your trip
Include 24/7 emergency assistance services while abroad
Learn more about what’s covered under our medical insurance for pre-existing medical conditions, or get a quote.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
We know you don’t always want to wait in call queues. So if you need to make changes, like updating traveller details or renewing a policy that isn’t changing, visit your My Staysure account.
Up to unlimited emergency medical expenses
