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Travel Insurance for Cardiomyopathy

Ready for your next holiday find travel insurance for cardiomyopathy with just travel cover today..

Whether you’re looking for hypertrophic, restrictive or dilated cardiomyopathy Travel Insurance or a policy that caters to other heart diseases, we have you covered with specialised medical Travel Insurance.

Understanding Cardiomyopathy and Its Implications for Travel Insurance

Cardiomyopathy is a hereditary medical condition that is typically diagnosed in children and young people. It can be a tough condition to have, but you still deserve to enjoy your holiday, so don’t let your cardiomyopathy hold you back – arrange your Travel Insurance today.

While your condition is unique to you, cardiomyopathy generally describes the thickening of the muscles surrounding the heart. As a result, it becomes much more difficult to circulate blood around your body.

Varied Cover Options for Cardiomyopathy

There are different types of cardiomyopathy, and whether you have dilated, hypertrophic, restrictive, or arrhythmogenic right ventricular cardiomyopathy, it is vital that you find Travel Insurance for cardiomyopathy.

The effects of cardiomyopathy can be mild, with symptoms including tiredness and breathlessness. However, there is also the risk of cardiac arrest or heart rhythm problems. With this in mind, it is crucial that you know you’re covered while on holiday in case of a medical emergency, and some insurance policies exclude cover for any pre-existing medical conditions , which is why we are here to help.

Selecting the Right Cardiomyopathy Travel Insurance for Your Needs

We want to help you find Travel Insurance that covers you for any pre-existing medical condition you have, and this includes cardiomyopathy. By completing the online medical questions, we’ll search for a range of insurers who can cover cardiomyopathy and display a list to choose from. You can then compare policies specific to your heart condition or any other conditions you have declared and choose the right cardiomyopathy Travel Insurance for you.

Travel Insurance for Cardiomyopathy FAQs

Frequently asked questions about Travel Insurance for Cardiomyopathy .

Is cardiomyopathy a pre-existing medical condition?

Yes. Cardiomyopathy is a congenital condition, and any condition that you had before booking your holiday is considered a pre-existing medical condition, so it is vital that you take out a Travel Insurance policy that provides cardiomyopathy cover.

Do I need to declare my cardiomyopathy to my travel insurer?

Yes. It is vital that you declare all pre-existing medical conditions when taking Travel Insurance, including cardiomyopathy. In doing so, you can travel with confidence and peace of mind, knowing that should the unexpected happen, you’re covered. If you do not declare your cardiomyopathy (or other pre-existing medical conditions) on your insurance, you risk the policy becoming void, and facing a potentially hefty medical bill, depending on where you are in the world.

If you’re unsure about what Travel Insurance you need for your cardiomyopathy, fill out our quick online medical screening questions or call one of our Travel Insurance experts today. We are happy to help and find a cardiomyopathy Travel Insurance policy tailored to you.

Should I travel with my child if they have cardiomyopathy?

Living with cardiomyopathy shouldn’t prevent your child from going on holiday.  Travelling with a child with a heart condition can be a challenge, but giving yourself the time to prepare will help your trip go as smoothly as possible. Here are some tips if you’re travelling with a child with cardiomyopathy:

• Check with your doctor to determine whether your child is fit to travel.
• Consider getting a doctor’s note outlining your child’s condition. 
• Ensure you have enough medication packed for your trip. 
• Research where the nearest hospital is in relation to your hotel. 
• Get Travel Insurance to cover you in a cardiomyopathy-related emergency.

Travelling with a child who has cardiomyopathy doesn’t have to be stressful, make sure you’re prepared, and don’t forget to have fun.

What should I consider when buying Travel Insurance for children with heart conditions?

When selecting Travel Insurance for a child with a heart condition, ensure the policy includes emergency medical cover and details the condition during application to secure protection. This may involve completing a detailed medical screening for the insurer to assess the level of cover required.

Travel Insurance for Cardiomyopathy – Your Cover

• Cancellation/ curtailment up to £12,500 (£30,000 on referral)
• Missed departure up to £1,500 per person
• Baggage up to £3,000 per person
• Personal Liability up to £2 million per person
• Zero excess policies available

Medical Cover for Cardiomyopathy

• Emergency medical expenses and repatriation up to £15 million
• 24/7 emergency medical assistance
• Cover for all types of Cardiomyopathy Conditions

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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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Cardiomyopathy travel insurance

Are you planning an exciting trip away but are currently living with cardiomyopathy? AllClear can help you travel with peace of mind. Our tailord policies offer cover for pre-existing medical conditions, medical emergencies and cancellations. Get your quote today!

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Travel insurance for cardiomyopathy, frequently asked questions, cardiomyopathy travel tips.

Cardiomyopathy travel insurance covers you if you are living with any of the various types of cardiomyopathy and wish to travel with peace of mind. Travel Insurance for pre existing conditions covers you for medical emergencies, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

Going on holiday is an integral part of modern life, and therefore so is travel insurance. You will want to make sure that you have full cover in case you need any emergency medical care while you’re on holiday. This is even more important if you  have a pre-existing medical conditions like cardiomyopathy. At AllClear we cover over 1300 different medical conditions, including cardiomyopathy travel insurance .

Having comprehensive cardiomyopathy travel insurance , will mean you are covered*:

• For access to a 24 hour emergency medical assistance service should you fall ill as a result of your diabetes while abroad.
• To claim for any replacement medication or unplanned medical treatment while you are away.

Benefits of AllClear Cover

You want to ensure you're properly covered. so, do your medical screening process allow you to provide details of your personal medical history, including your cardiomyopathy.

With many years of experience handling very complicated medical conditions we have 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 cardiomyopathy travel insurance quote.  Once completed you can review the quotes and cover levels available. This will allow you to decide the premium you wish to pay.

 What will affect the premium?

We calculate premiums based on the answers you provide throughout the medical screening process. We consider many factors 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 purchased 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 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 we will apply an additional premium to your policy to make these changes. Please check your policy wording as providers may vary .

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, read allclear trustpilot reviews.

As a specialist medical travel insurance provider, we believe that everyone has the right to travel, regardless of their medical condition. We have put together these tips on travelling with cardiomyopathy so we can help you enjoy your holiday. These tips should help you anticipate any potential problems you could encounter while on holiday.

Remember to see your doctor before you go

• Before travelling with cardiomyopathy, make an appointment with your doctor to make sure you’re fit to travel. They can also prescribe you the correct medication –  enough to last you the length of your trip, plus extra in case of delays.

Carry a copy of your medical records

• If you do need medical help while travelling, doctors will be able to act more quickly if they can access your medical records.  You could ask your doctor for a copy of these. You could consider getting these translated into the language of the country (or countries) you’re visiting.

Watch your fluid intake

• In most cases  when you are living with cardiomyopathy, it’s essential to maintain a balanced intake of water and salt. This is extra important when you fly, as pressure and humidity changes within the cabin could have an adverse effect on your condition.

Choose a destination with good medical care

• If you have a choice on where to travel to, it’s worth remembering that some countries have much better healthcare than others. If possible, choose a destination where you can get the help you need in an emergency.

Pay attention to shortness of breath

• Shortness of breath can be a warning sign, particularly if you’re on a plane at the time. Inform cabin crew immediately – they’re able to provide emergency treatment if necessary. Try not to panic but don’t ignore it either.
• If you’re travelling within Europe, you should make sure you have an EHIC (European Health Insurance Card). This is available for free. The EHIC offers you the same level of healthcare as the residents in the country you’re visiting. Remember though that the EHIC does not replace travel insurance. For example, the EHIC does not cover you for medical transport home (repatriation).

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 18 September 2023

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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Specialist Travel Insurance for Cardiomyopathy

What is cardiomyopathy.

Cardiomyopathy is a disease of the heart muscle – ‘cardio’ (Heart) ‘myo’ (Muscle) ‘pathy’ (Disease) and is a group of conditions that affects around 160,000 people in the UK† of all ages.

It can affect the size and shape of the heart, as well as the thickness of the muscle walls. These factors change how the heart functions. Depending on how the heart is affected, will result in the type of Cardiomyopathy a person will have.

Holidaying with Cardiomyopathy

We realise that living with Cardiomyopathy will have its challenges. However, enjoying a relaxing holiday may help, regardless of whether you’ve been diagnosed recently or having lived with it for some time. Forward planning is crucial. We suggest before booking any trip that you talk to your doctor or specialist, as they’ll be able to confirm that you’re well enough for travel. You can also discuss the things you should and shouldn’t be doing during your time away.

If Cardiomyopathy has made it difficult for you to find an appropriate travel insurance policy in the past, Free Spirit may be able to help.

It’s easy to get an online quote for Cardiomyopathy travel insurance from our website, which includes online medical screening. This involves us asking you various questions about your existing medical condition(s) to determine your policy terms and premium. In some cases, you will be asked to call us so that we can ask you some additional questions.

By covering your medical condition(s), Free Spirit gives you the protection you need when travelling.

Some questions we may ask:

During the quote process, we will ask you certain questions about your Cardiomyopathy, including:

• Do you have any further investigation or treatment planned?
• How short of breath do you get when you are walking on the flat?
• Have you ever had angina and/or a heart attack?
• Do you have (or are you on medication for) heart-related breathlessness or ankle swelling?
• Are you on medication to thin the blood (excluding aspirin)?
• Have you ever been a smoker?

We like to do things thoroughly at Free Spirit, so there may well be other questions we’ll ask you. This just helps us ensure you get the right cover for your medical condition(s).

We’re here to help

If you’d like to know more about our specialist Cardiomyopathy travel insurance, or have any questions whilst getting an online quote, visit our frequently asked questions page or call our friendly UK-based customer services team freephone on 02392 419 080.

For further details of the cover we provide, please take the time to read our Insurance Policy or you can also view our Summary of Cover by clicking here .

† Source: Cardiomyopathy UK website .

Please note that Free Spirit is not linked to, or responsible for any external websites mentioned in this article.

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Medical travel insurance for cardiomyopathy.

Cardiomyopathy is a disease in which the heart muscle becomes weakened and enlarged, making it harder for the heart to pump blood effectively. It is caused by a number of factors, including genetics, high blood pressure and heart muscle infections. There are three main types of cardiomyopathy: dilated, hypertrophic, and restrictive - whichever diagnosis you’ve received if you intend on travelling, Medical Travel Insurance may be able to help.

At Medical Travel Insurance, we understand the importance of securing the right medical cover to ensure your holiday isn't ruined by a pre-existing medical condition. We understand that cardiomyopathy can be a serious heart condition and we can offer cover to make sure you have the security you need while on holiday.

We offer medical travel insurance policies that can cover both the cost of emergency medical treatment abroad and any additional travel disruption costs you may incur due to your pre-existing medical condition. Our policies are designed to give you the cover you need, and are offered at competitive prices for single trip, annual multi trip, winter sports, cruise and golf cover.

Our policies can cover pre-existing medical conditions as long as they are declared and accepted prior to the start of your trip. We also offer cover for any additional costs you may incur in relation to your cardiomyopathy while on your travels.

Don't let Cardiomyopathy ruin your holiday

Medical Travel Insurance understands that cardiomyopathy is a serious condition, and we make it our priority to ensure you have the security you need while on holiday. To get a medical travel insurance policy with cardiomyopathy cover, simply request a quote, enter your travel details and complete the medical screening.

Our team of friendly customer service advisors are also available to help you with the quote process and to answer any concerns you may have. They will be able to provide advice and assistance to ensure that you get the right cover for your needs.

Secure your medical travel insurance and enjoy your holiday with peace of mind.

It's easy and quick to compare travel insurance policies when you shop online.

In need of assistance?

Our medical travel insurance team are ready to provide you with assistance regarding your quote. If you would prefer to talk to an advisor to receive a quote or have a query please contact our UK based customer service team. Find out details on our contact us page .

Medical travel insurance is an online comparison website for those with pre-existing medical conditions requiring travel insurance. Medical travel insurance www.medicaltravelinsurance.co.uk is a trading style of Brokersure Ltd. Brokersure is authorised and regulated by the FCA.

For more information regarding Medical Travel Insurance click here , alternatively phone or email us.

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Travel insurance for people with cardiomyopathy

According to the  NHS , cardiomyopathy is a general term for diseases of the heart muscle where the walls of the chambers have become stretched or stiffened, affecting the heart’s ability to circulate the blood around the body.

We understand that insuring a medical condition can be frustrating, and we want to make it as easy as possible for you to get travel insurance . So, if you are suffering with cardiomyopathy and are concerned about whether travel insurance will be able to cover you and your medical condition, or you’ve had trouble getting covered in the past, we may be able to help you.

One of the things that means we stand out from the crowd is that we will consider all medical conditions . Simply get a quote online or  contact us  to go through our simple medical screening process.

What does cardiomyopathy travel insurance cover?

We’ll do our best to find a policy that’s suited to your needs. Like all of our travel insurance policies, our cardiomyopathy travel insurance cover will include a number of great features as standard, including:

• Holiday cancellation cover
• Passport, money and documents cover
• Delayed departure cover
• Personal accident cover
• Accommodation cover
• Cover for over 50 sports and activities
• Medical and hospital expenses cover (including expenses related to any medical conditions you have declared and have been covered by us)

For more information on what’s covered with our travel insurance for people with existing medical conditions including cardiomyopathy, have a read of our  policy documents . And if you have another medical condition, for example,  cancer , we can help with that as well!

And if you still can’t find what you’re looking for, why not  get in touch  with us and we’ll try to help.

Please note: ‘cardiomyopathy travel insurance’ is a general term for one of our standard travel insurance policies including cover for other health conditions, which is subject to medical screening and may require an additional premium. We don’t offer specialist cover for this specific condition.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

HelloSafe » Travel Insurance » Medical Travel Insurances » Cardiomyopathy Patients: Which Travel Insurance?

Cardiomyopathy: Which Travel Insurance?

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Do you have (or have you had) cardiomyopathy and would like to get travel insurance for your coming trip in case you face medical expenses abroad?

Travel insurance that covers cardiomyopathy treatment can be hard to find or very expensive. But you’ve come to the right place.

In this guide, we will explain everything you need to know about cardiomyopathy travel insurance: is cardiomyopathy travel insurance compulsory? What specific medical cover should you get if you have or have had cardiomyopathy? What are the best cardiomyopathy travel insurance companies and how much will you pay? Let’s dive in!

Why do I need travel insurance if I have (or have had) cardiomyopathy?

Travel insurance for cardiomyopathy patients is not compulsory.

However, you should know that your national healthcare cover, your European Health Insurance Card (if you are travelling in Europe), your credit card travel insurance or any other kind of assistance you would have as a country resident or citizen, may not be sufficient to cover any medical expenses you may have abroad.

Some countries may ask for valid proof of travel insurance to deliver visas, whether you have pre-existing medical conditions or not. 

Much more than a nice-to-have, travel insurance is one of the highest value-for-money insurance products, especially for people with cardiomyopathy.

A recent study from Which has shown that in around 10000 UK travellers in 2018, 64% of them have already had medical treatment while travelling abroad. The average spend of medical care abroad is around £1300. But it can be much more.

As a cardiomyopathy sufferer, you may especially face expenses such as:

Travelling in Europe, what does my European Health Insurance Card cover?

As a current or former cardiomyopathy sufferer, always remember that while travelling in Europe, your first ally is your EHIC card. Your EHIC card will cover for any treatment you may need abroad, including any treatment linked to a pre-existing cardiomyopathy.

Remember that your EHIC will only cover you until 31/12/2020, the time of Brexit. Make sure you have both EHIC and travel insurance before travelling. Many insurers will ask you to get your EHIC if travelling in Europe, and would waive the excess if you have a valid card with you.

If you are going to Australia or New Zealand, the UK also has specific healthcare system cooperation programs. 

For any specific information on the European Health Insurance Card, check out the NHS website .

Can I easily get travel insurance with or after cardiomyopathy?

If you have been diagnosed with cardiomyopathy, whether you are in remission or not, you may find it difficult to find cheap cardiomyopathy travel insurance that will cover you for your trip without major exclusions.

Getting travel insurance after cardiomyopathy can indeed be very time-consuming and you could end up paying three or four times the price people without a medical history would pay for a standard cover policy.

Unfortunately, insurers will see you as being at higher risk of making a claim such as:

• Cancelling your trip for reasons due to cardiomyopathy, such as an important medical appointment being postponed
• Needing expensive medical treatment linked to your cardiomyopathy while travelling abroad
• Needing repatriation to the UK.

We all agree that this is unfair, especially, for example, if you are in a very stable condition. But don’t worry, some insurers – fortunately – have agreed to cover people at higher risk. You could get travel insurance post cardiomyopathy either through:

• Companies that will provide you with standard cover as they would do for any other tourist, but may invalidate any claim due to your treated cardiomyopathy (if you are sure about your recovery and only need cover for a few days trip, for example);
• Or specialised travel insurance for cardiomyopathy sufferers (or other existing medical conditions).

We are here to help you find the best and cheapest travel insurance after cardiomyopathy surgery depending on your current medical condition, your age, the length and destination of your trip, etc.

What are the best travel insurance policies for cardiomyopathy patients?

You will find below a list of specialist travel insurance policies for cardiomyopathy patients – as well as for those with other pre-existing medical conditions – who will provide you with good cover and dedicated assistance.

All the above insurers are specialists in covering pre-existing medical conditions. Unless it is clearly mentioned in the features, they all use the Verisk screening system and apply a change in health disclosure in their policy which will allow them to inflate premiums and change or cancel your travel insurance policy if an unexpected event related to your healthcare occurs before your trip.

Find out more cheap travel insurance for cardiomyopathy with our 100% anonymous tool.

Do I need to declare cardiomyopathy for travel insurance?

You are required by law to declare any pre-existing medical condition when purchasing an insurance policy.

A pre-existing medical condition is typically one for which you have been diagnosed and have received treatment before you apply for any travel insurance policy, regardless of whether this is short- or long-term.

Therefore, cardiomyopathy counts as a pre-existing medical condition. You are therefore required to declare your cardiomyopathy to your insurer, whether you are in remission or not.

Good to know

Not disclosing your cardiomyopathy could invalidate your claim as well as your entire travel insurance policy.

How does cardiomyopathy screening for travel insurance work?

If you have cardiomyopathy, or any pre-medical condition, you are more likely to be screened before applying for a policy.

On insurers’ websites, you’ll be asked to answer a set of questions administered most of the time by the Verisk medical screening system before getting quote results. Some insurers may have their own set of questions and may attribute their risk rating based on your answers.

Do you have or have you had cardiomyopathy? Here is the list of questions you will most probably be asked to answer when purchasing travel insurance covering cardiomyopathy:

The below list of screening questions is not exhaustive and may vary depending on your specific answer to each of the question.

Those questions are the most common ones you may find on insurer's websites. In the case that there is no screening system on an insurer’s website, you will need to disclose any health condition by contacting your insurer directly.

How much is cardiomyopathy travel insurance?

Here are some indicative quotes for single trip and annual travel insurance for cardiomyopathy patients:

* Quotes above are only indicative and for cardiomyopathy with no recent complications.

It is quite difficult to give precise ranges of how much cardiomyopathy care travel insurance is. Prices are based on a wide range of criteria and will not only depend on your pre-existing medical condition, but also:

• Your age and destination
• If you’re going for a single or annual multi-trip, as mentioned above
• If you’re subscribing to upgrades such as cruise, business or gadget cover
• The length of your stay abroad
• If you’re travelling alone, with your partner, a group or your family
• The financial limits you’d like to get in case of a claim
• The excess amount you’re willing to pay
• What you will be doing abroad (e.g. winter or extreme sports).

What is usually covered by cardiomyopathy travel insurance?

Insurers covering a pre-existing medical condition such as cardiomyopathy often provide a high compensation amount for trip cancellation, medical expenses and repatriation.

Here is a typical list of what you should pay attention to while applying for cardiomyopathy travel insurance cover:

Besides compensation limits, you should also go for a company including specific healthcare upgrades as standard such as:

• Bespoke medical screening before applying for travel insurance : the possibility to easily talk to someone and find the right cover for your needs (especially for terminal illness)
• UK-based 24/7 assistance helpline while you’re abroad : dedicated free-of-charge landline to get healthcare advice and help in finding the right doctor or hospital abroad, reactive assistance, etc.

If you are about to make a medical claim while you are abroad, we advise you to get your insurer to accept it first and pay upfront. In the case you need to pay up front, always keep receipts and submit your claim as soon as possible. 

What is not covered by cardiomyopathy travel insurance?

That will vary from one insurer to another.

Besides the main exclusions usually found in insurers’ policy booklets (terrorism, strikes, natural disasters, claims related to drug, alcohol, etc.), regarding pre-existing travel insurance, your claim may be invalidated:

• If you are travelling without your doctor’s consent
• If you have been told you have a terminal illness and you have applied for travel insurance without saying so
• If you are waiting for a diagnosis or medical treatment at the time of applying.

Does travel insurance cover terminal cardiomyopathy?

As said above, most insurers will not cover any terminal illness diagnosed, and therefore won’t cover incurable cardiomyopathy.

However, we’ve come up with a list of companies still offering cover for people with terminal cardiomyopathy depending on the length and destination of your trip, the stability of your medical condition and your doctor’s consent:

Most of the time, insurance companies will still ask you a minimum duration between your prognosis and your return travel date. You should also know that no insurer will cover you for your trip against your doctor’s consent.

What if I am diagnosed with cardiomyopathy after having applied for travel insurance?

When it comes to medical condition travel insurance, insurers often add an ‘ongoing duty of disclosure’.

It basically means that if any important change related to your healthcare occurs after you applied for travel insurance policy, they have the right to either:

• Screen you again;
• Raise your premiums;
• Change your policy contract;
• Cancel your policy.

Most of the time, if your health condition changes, insurers will either:

• Provide you with new travel insurance for your new health condition with an additional fee;
• Provide you the same insurance but the new condition will be excluded;
• Or simply offer no cover, as they consider your condition too risky.

Ask for a pro rata refund or full refund if they cancel or change your policy before you make any claim. 

Can you travel abroad with cardiomyopathy?

The short answer is yes, of course.

However, here are some tips we would advise you to carefully read:

• Get your doctor’s consent and advice before travelling with past or current cardiomyopathy.
• Get any vaccinations needed.
• Get the right cardiomyopathy travel insurance for your trip, covering treatment linked to your disease and any medical care you may need abroad, and carefully read your policy booklet (exclusions, limits and deductible amounts, etc.)
• If you are not in remission, be sure that the trip will not be too much effort and not too tiring for your medical condition.
• Remain prudent and take with you your doctor’s phone numbers and local emergency contact details. If possible, travel with someone.
• Make a list of needed medication and keep them in their original packaging (for customs) and store them safely. Prepare back-up meds.

Top 5 tips to get cheaper travel insurance quotes for cardiomyopathy victims

If you have or ever had cardiomyopathy, here are some tips you may like to use to lower your insurance premiums:

• Use our comparison table to find out which companies are the best and the cheapest for cardiomyopathy patients.
• Take your phone and try to speak to humans! If you have someone on the phone, they are more likely to understand your cardiomyopathy medical situation and find you the appropriate cover.
• Go for single trip cover rather than annual multi-trip . You’ll be seen as a lower risk traveller as you will only need cover for a defined stay.
• Change your destination and opt for European trip rather than a roadtrip across the USA’s legendary Route 66! You’ll be less likely to make a very high medical care claim, which could see your premium go down.
• Benefit from a joint travel policy discount, insuring both your partner or family and yourself.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Cardiomyopathy Travel Insurance

If you have Cardiomyopathy , you must have a Travel Insurance policy before your trip begins.

Contact us by telephone or email  at 0800 043 0020 / 01273 092 757.

Summary of Cover

Medical questions, types of cardiomyopathy, travel advice, useful websites.

*Excess payables vary depending on the claim benefit.

JS Travel Insurance has partnered with Goodtogoinsurance.com to provide this Travel Insurance that covers Cardiomyopathy. Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, Registered Address: Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ. Authorised and regulated by the Financial Conduct Authority - No. 471641.

When obtaining a quote for Travel Insurance to cover Cardiomyopathy, you will be asked several questions:

• Have you ever had an Abnormal Heart Rhythm?
• How many unplanned hospital visits for your irregular heartbeat have you had in the last 12 months?
• Do you have any further investigation or treatment planned?
• Are you on any medication to thin the blood (not including aspirin) which requires a regular blood test?
• Has your Heart Rhythm ever caused collapses, faints or blackouts?
• Have you ever had Angina and a Heart Attack?
• Have you been prescribed any treatment for heart-related breathlessness or ankle swelling?
• Have you ever had a stroke or a mini-stroke (TIA)?

Hypertrophic is when the heart wall thickens, and the muscle stiffens, making it harder for blood to pump out of the heart and around the body.

Dilated is when the heart's wall becomes thinner and loose, making it difficult to pump blood.

Arrhythmogenic Right Ventricular  is when the heart cells are gradually replaced by fatty tissue.

Cardiomyopathy worsens, and the heart becomes weaker and less able to pump blood. This can lead to Heart Failure or Arrhythmia .

Cardiomyopathy can be acquired due to another disease or inherited, affecting one or several family members. The cause of Cardiomyopathy is often unknown, which is often the case when the disease occurs in children.

• Have you ever had an   Abnormal Heart Rhythm?

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JS Travel Insurance is the trading name of Jade Stanley Limited, 5 Chapel Mews, Waterloo Street,Hove, East Sussex, BN3 1AR, Telephone: 0800 043 0020 . Jade Stanley Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number is 306205

Top Tips on Travelling with Arrhythmia

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Having arrhythmias or heart problems can feel pretty daunting when you’ve been recently diagnosed but rest assured that most conditions are treatable and allow you to continue living a normal life – which is comforting news.

In fact, most people with heart conditions should be fine to travel, just as long as they feel well and their GP agrees their condition is stable and under control, because the last thing you want is to run into any issues whilst you should be having a relaxing time on holiday.

What is arrhythmia?

Arrhythmia can take a few different forms. The most common type is  atrial fibrillation  (AF) where the heart beats irregularly and faster than normal. AF is typically seen more in older people or in those who are overweight or drink an excess of alcohol.

In comparison, another type of arrhythmia is supraventricular tachycardia which is where the patient has episodes of abnormally fast heart rate at rest – while bradycardia causes the heart to beat slower than normal. 

The more serious arrhythmias include heart block. This causes the heart to beat much slower than normal and can cause people to collapse. Another variation is called ventricular fibrillation, which is a rare, disorganised rhythm of heartbeats that can lead to loss of consciousness and even death if not treated appropriately. 

It’s important to ask for advice from your GP before you travel and ensure you are aware of likely triggers which can bring on arrhythmia. These triggers can include viral illnesses, alcohol, tobacco, exercise, caffeine and some prescribed or illegal recreational drugs. 

Types of arrhythmia

While there are many people in the UK who suffer with arrhythmia – it’s important to bear in mind that there are actually many different types of the condition itself, as we touched on above.

Besides from atrial fibrillation, supraventricular tachycardia, bradycardia and ventricular fibrillation, there are other forms of arrhythmia to be aware of – both in adults and children.

However, the more common forms of arrhythmia can perhaps be broken down into:

Premature beats – which can feel like a fluttering in the chest.

Supraventricular arrhythmias – which are usually fast heart rates (including AF).

Ventricular arrhythmias – which start in the ventricles, which are the lower chambers of the heart. This can be deadly if not treated accordingly.

Bradyarrhythmias – this is when the heart rate is abnormally slower than it should be (60 beats per minute).

Preparing to travel with arrhythmia

When travelling with any pre-existing medical condition ,

it’s important to plan ahead, make sure all your bases are covered and put some extra thought into the type of holiday, itinerary and destination you are considering. This may seem like a lot of extra things to add to your To Do List, but if anything should happen it’s better to be over, not under prepared.

So, let’s get to it. Firstly, those with arrhythmia may want to check their accommodation isn’t too remote, or at least within easy reach of medical facilities just in case of an emergency. Look up the local phone numbers and procedures for contacting emergency services as well as a local doctor – it’s likely you will enjoy your holiday without incident but having the right information on your phone or in a notebook will put your mind at ease.

Medication and treatment

If you are treating your arrhythmia with medication and plan on travelling with your medication , it’s important to keep an up-to-date list of what you are taking and when you need to take it, along with the original prescription and packaging. So should your medication go missing, you can find replacements with minimal fuss. Keep your medication on you whilst travelling – not zipped away in your checked-in luggage – and always pack extra in case of unforeseen circumstances such as a flight delay prolongs your journey.

As far as potentially more complex medications (like pacemakers and internal defibrillators) are concerned, you need to make special considerations if you are planning a trip abroad.

Things that might beep when you go through airport security, can be accounted for by your doctor. For example, your doctor can issue you with a pacemaker identification card, if needed.

Choosing a destination

Choosing a destination when you have arrhythmia is a pretty important decision. Your GP will be able to provide the best advice on what sort of trip is suitable for your specific condition, but there are a few general rules that ought to be taken into consideration when planning a trip with arrhythmia.

It is best to avoid destinations with extreme temperatures as very cold and very hot climates can put a strain on the way your heart works. It’s also a good idea to veto high altitudes (more than 2,000 metres) as the drop-in oxygen can contribute to breathlessness and angina.

Finally, if you are planning to go walking, consider how difficult the terrain is – some people ought to avoid areas that are too hilly, unless they are confident their level of fitness is up to scratch and they won’t get too out of breath.

Can you fly with heart arrhythmia?

Whilst people with arrhythmia are generally safe to fly, it is crucial to discuss your travel plans with your GP before you book. Those living with heart conditions may have an increased risk of developing deep vein thrombosis (DVT) on a flight, so taking steps to reduce this risk could be critical.

Ways to avoid DVT when you’re on a flight include exercising the feet and ankles regularly, especially during a long flight and wearing specially designed compression stockings. Avoiding alcohol, drinking plenty of water and taking care of your health will also help you have a safe flight.

If you have previously been fitted with a pacemaker or an implantable cardioverter defibrillator (ICD), remember to bring your device identification card with you and alert the security staff as you may set off the metal detector alarm.

Heart arrhythmia travel insurance

It is important that if you have a pre-existing medical condition to make sure you get the right travel insurance for you trip.

Not many places can offer specialist insurance for those with a pre-existing medical condition. But don’t worry, that’s where we come in to help with multiple providers that offer cover for pre-existing conditions.

Do I need to tell you about my heart arrhythmia?

Yes, the travel insurance providers we work with will want to know if you’ve ever had a heart condition, even if you no longer suffer from it and have made a full recovery. But don’t worry, when you tell us about the condition, we’ll ask you a few questions to help us understand your individual circumstances.

What does heart arrhythmia travel insurance cover?

You can usually expect a standard medical travel insurance policy to cover you for a number of benefits – including cancellation and ending your trip early, lost/stolen belongings, and medical expenses, but these policies will usually not cover anything related to your pre-existing health condition.

For those intending on travelling with arrhythmia, a specialist heart arrhythmia travel insurance policy might be a more sensible option. If your condition were to flare up before you go on holiday, and you are too unwell to travel, your arrhythmia will be included in your cancellation cover. Similarly, if your condition worsened whilst on your trip, and you needed medical treatment (or even brought home for treatment), your policy will be able to help cover your costs.

If you don’t tell your travel insurance provider about your condition, then it’s likely that your policy would be invalidated, especially if your claim was related to the pre-existing condition. This could leave you with some hefty bills to pick up.

How do I add arrhythmia to my policy?

It’s easy to add conditions to your quote, and better yet, it’s all online. After you’ve told us about where your trip details, we’ll ask if you, or anyone to be named on your policy has ever had any heart conditions. You’ll then be able to search for and add your heart related condition.

When you add your condition, we may ask you a few additional questions such as how your condition is managed, whether you are taking any medication and whether you’ve ever experienced certain symptoms. This is all to help us understand your condition better and build a picture of how it has impacted your health. We’ll then only show you quotes from providers, who can offer you specialist heart arrhythmia travel insurance policies, specific to your individual situation.

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

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