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Travel Insurance

Upbeat strongly suggests that you consult with your GP before purchasing health insurance over the phone or via the internet.

The health declarations required by insurance companies are in extreme detail and require information on conditions and medications going back years. These details will all be checked if you later try to make a claim. Any omissions or mistakes you make can be used as grounds to refuse your claim. This is equally true for conditions other than heart disease.

The following list of insurance companies has been compiled from the feedback received from heart patients. You may find that the type and cost of the cover offered will vary depending on your individual condition and where you will be travelling to. When you contact the companies, you may be asked to call a medical screening number who will then give you a reference to quote back to the insurance company. It is always important to read any small print on any policy you are offered.

Upbeat does not endorse or work with any of the companies on this list. Upbeat does not recommend any of the companies on the list. There is no guarantee that the companies on the list will be able to offer insurance to every individual. Please note that companies may change their underwriters and this may affect the cover they are able to offer.

European Health Insurance Cards
It's important to have a European Health Insurance Card (EHIC) when you're travelling in most European countries. The EHIC is not a substitute for insurance - ideally you should have both. The card can entitle UK citizens to free or reduced-cost medical treatment in those countries.
You can apply for an EHIC online, phone or using a form you can get from the Post Office.
To apply online now "Click Here"
To apply by phone, call 0845 606 2030.
To apply by post, get a form from your local post office. Send the completed form to EHIC Applications, PO Box 1114, Newcastle upon Tyne, NE99 2TL.
Your card will then be sent to you by the central agency that deals with the EHIC.

An EHIC is valid in the following countries:



Cyprus (not NorthernCyprus)

Czech Republic

























United Kingdom

The EHIC is normally valid for three to five years and covers any medical treatment that becomes necessary during your trip, because of either illness or an accident. The card gives access to state-provided medical treatment only. This might not cover all the things you'd expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care.

The EHIC also covers any treatment you need for a chronic disease or pre-existing illness. You need to make arrangements in advance for kidney dialysis and oxygen therapy. To arrange for kidney dialysis while you're away, contact your NHS renal unit in the UK before you travel. For limited information on oxygen supply services in the EEA countries and Switzerland, call the Department of Health's Customer Service Centre on 020 7210 4850.

The EHIC won't cover you if getting medical treatment is the main purpose of your trip. You are advised to take out comprehensive private insurance for visits to all countries, regardless of whether you are covered by your EHIC.

For further information contact the Department of Health, Customer Service Centre on 020 7210 4850, email dhmail@dh.gsi.gov.uk or go online at www.dh.gov.uk.


An E112 may give you the option of undergoing medical or surgical treatment in other EU countries. In the booklet “Health Advice for Travellers” you will find information about how to apply for funding. Your consultant should write a letter explaining your condition and your need for treatment. The trust or health authority must confirm its agreement to fund the treatment. You will also need to have a completed a European Health Insurance Card (EHIC).

List of Insurers


Tel: 0870 750 6711
Single Trip (maximum 45 days) age limit = 79
Annual Multi-trip (maximum 31 days any one trip) age limit = 69
Long Stay (maximum 15 months if under 65 or 12 months if aged 65 to 69) age limit = 69

AllClear Travel Insurance

Tel 0845 250 5200
Single trip policies – no age limit
Severe conditions covered
Annual policies – age limit 70 years
Medical certificates rarely required

Bradford & Bingley Building Society

Tel 0800 169 4078
Age limit 80 yrs
Medical screening

Brunsdon Insurance

Tel 01452 623623
8.30am-5.30pm Mon- Fri only
Age limit 80 yrs
Do not cover patients on waiting lists
Bupa Travel Cover Tel 0800 0010 22 Age limit 79 yrs
Medical screening
Will only accept proposals within 3 months of travel date

Direct Travel

Tel 0190 381 2345
Single policies up to 75yrs
Annual policies up to 65 yrs

Flexicover Direct

Tel 0870 990 9292
Age limit 80 yrs
Medical screening

Free Spirit Travel Insurance

Tel 0845 230 5000
8am-6pm, Mon-Fri
Free Spirit Travel have changed their underwriters so the cover they offer may now be different.
Specialist travel insurance for people with pre-existing medical conditions and disabilities.
No upper age limits on Single Trip & Annual Multi-trip. Includes medical aids and medication cover.

Freedom Insurance Services Limited

Tel 0870 774 3760
Offers a personal lines insurance program often designed for people with pre-existing medical conditions.
Age limit 85 years.
Medical screening with most of the companies they work with.
Will only accept proposals within 6 months of travel date.


Tel 0845 0262441
Single policies up to 85 yrs of age
Annual policies up to 79 yrs of age

Global Travel Insurance

Tel 01903 203933
Specialist policy that covers pre-existing medical conditions.
Single policies up to 90 yrs of age.
Multiple policies up to 75 yrs of age

Go Travel Insurance

Tel 0870 1126442
Go Travel changed their underwriters in 2005. The cover they offer may now be different.
Specialist policy that covers pre-existing medical conditions. Single policies up to 75 yrs of age.
Annual policies up to 64 yrs of age.
Put through a health declaration first and may then have to do a medical screening

Good To Go Insurance

Provides single trip and annual travel insurance to people who have pre-existing medical conditions.

Holiday Services Limited

Tel 01623 407321
No upper age limit for single trip cover – will be based on individual circumstances and health.
Annual policies up to 69 yrs
They will consider each individual case of people with pre-existing medical conditions

Holiday Travel and Medical Insurance

Tel 01773 769406 ( 747426 )
Offers a choice of policies depending on where you are travelling to and can sometimes discount rates for age 65 plus.
There is usually no age limit.

Insuremore Travel Insurance

Tel 0870 054 0162
Age limit 65 yrs
Excess varying
Patients need to have been stable for about 12 months and do not cover patients on waiting lists.
Medical screening to determine whether they will cover.


Staysure.co.uk Ltd
McGowan House
The Lakes
Bedford Road

Travel Insurance with Heart Condition
Obtaining travel insurance for heart conditions can prove difficult; especially as some travel insurers don't provide cover. At Staysure we are able to provide cover for several heart conditions, including travel insurance for angina. What's more, travel insurance with a heart condition from Staysure can cover you for an additional 220 pre-existing medical conditions free of charge.

These are just some of the great benefits with Staysure's holiday insurance for heart conditions. If you have any questions or would like a quote, feel free to call our travel insurance experts on 0844 692 8444 who will be more than happy to help. Alternatively you can get a quote in minutes by just clicking "Get a Quote".


It's So Easy Travel Insurance

Tel 0845 222 4205
Single trip cover – up to 85 yrs
Annual Europe cover – up to 75 yrs
Annual world wide cover – up to 65 yrs
The company states that they provide travel insurance specifically designed for people with medical conditions or who are older.

Makesure Insurance Services Ltd

Tel 0870 156 6679
Policies considered up to the age of 99 years
Specialise in providing cover for most pre-existing medical conditions
Conduct their own medical screening.

Manor Insurance

Tel 0800 027 6171
Single trip cover for up to 18 months if 74 years of age or less and up to 90 days if 75 years of age and over
Annual policies up to 79 years of age
Medical screening not always required
Discount for those who already have their baggage covered under their home insurance.

Marks and Spencer

Tel 0800 068 3918
M & S changed their underwriters in 2005 and now have medical screening to determine whether will cover patients. Marks and Spencer say that although they may offer cover for heart conditions, they tend to be rather expensive for the cover itself, and that they may still decline cover if the conditions are too severe. Please also note that they will only speak to the person requiring the insurance.

Orbis Insurance Services

Tel 01424 220110
Ask to speak to Leane or Lauren
The company advises that they offer travel insurance for people who are regularly declined cover because of their ill-health/disabilities, past and present. Individually underwritten so that each case can be considered. Please note that there are some conditions which they state that they cannot quote for.
Single trip unlimited time
Age limit for single trip: 99 yrs
Age limit for annual trip: 75 yrs (Europe only)
Age limit for annual trip: 70 yrs (outside Europe)

Perry Gamble & Co

Tel: 01404 830 100
Age limit 75 yrs
Patients are referred to a medical screening line.


Call: 0845 338 1638
Online quoting facility at
This company advises that they offer travel insurance for disabled people and for those with pre-existing medical conditions and their carers.
Annual policies 69 yrs
Single policies 79 yrs
Excess: £50 subject to medical condition.
All quotes subject to medical screening.


Tel: 01603 828246
Email: unique@heathlambert.com
No upper age limits on single trip policies
Annual multi-trip policies within the EU are available up to age 69 and worldwide policies up to age 64.
Unique provides a range of insurance products that have been developed for people living with a heart condition.
Although they can’t guarantee to be the cheapest, they promise a sympathetic approach because they say they have an understanding of heart disease and work with insurers to help you get the protection you need.

World First 

No one likes to think of the unexpected. But being prepared with comprehensive travel insurance gives you and your loved ones the peace of mind to relax and enjoy a happy holiday. Just the way it should be. Our heart attack travel insurance makes it easy for travellers with heart conditions to get the cover they need. From cardiomyopathy to cardiac arrhythmia (irregular heart beat) and hypertension travel insurance, we're happy to provide travel insurance for all kinds of heart conditions. And we'll do it at a price that's fair.

Looking for travel insurance after a heart attack? We can still give you great value cover with comprehensive medical benefits automatically included in your policy. You'll also be covered for your luggage and travel documents, flight delays and trip cancellation, personal liability and legal expenses. If you'd like to discuss getting medical travel insurance or travel insurance with hypertension cover, call one of our highly trained advisors on 0345 90 80 161.