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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:

Austria 
Belgium
Cyprus (not NorthernCyprus)
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland

Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Slovakia
Slovenia
Spain
Sweden
Switzerland
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.

E112
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

  • Able2Travel
    Tel: 01892 839501
    able2travel.com
    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 08081 697386
    allcleartravel.co.uk
    Severe conditions covered
    Annual policies – age limit 70 year
    Medical certificates rarely required
  • Direct Travel
    direct-travel.co.uk
    Tel 0330 8803600
    Single policies up to 75yrs
    Annual policies up to 65 yrs
  • Flexicover Direct
    Tel 0800 0939495
    flexicover.co..uk
    Age limit 80 yrs
    Medical screening
  • Free Spirit Travel Insurance
    Tel 0800 1707704
    8am-6pm, Mon-Fri
    freespirittravelinsurance.com
    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 01223 2812971
    freedominsurance.co.uk
    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.
  • Go Travel Insurance
    0800 3166355
    gotravelinsurance.co.uk
    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
    0330 0249949
    goodtogoinsurance.com
    Provides single trip and annual travel insurance to people who have pre-existing medical conditions.
  • Ask About Insurance
    askaboutinsurance.info
    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.
  • Staysure Travel Insurance
    0808 2813045
    staysure.co.uk
    McGowan House
    Waterside
    The Lakes
    Bedford Road
    Northampton
    NN47XD

    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 0808 281 3100 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 03306061434
    itssoeasytravelinsurance.com
    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 0203 8736718
    makesureinsurance.co.uk
    Policies considered up to the age of 99 years
    Specialise in providing cover for most pre-existing medical conditions
    Conduct their own medical screening
  • Travel Insured
    Tel 0800 0924383
    travelinsured.co.uk
    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
    marksandspencer.com
    Marks & Spencer 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 01274 518393
    orbisinsurance.co.uk
    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)
  • Unique
    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 
    world-first.co.uk
    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.
  • Saga Travel Insurance
    Tel: 0800 0158055
    saga,co,uk

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