Travel insurance for heart conditions
Heart condition? No problem.
We can provide travel insurance after a heart attack, heart failure, angina and other common heart conditions, all with no upper age limit.
- 24-hour emergency medical support
- No upper age limits
Written by: Sarah Findlay Travel Insurance Expert
Last updated: 29 April, 2026
Read time: 8 minutes
Awards & Accreditations
Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.
What they say About us
Travel insurance to cover heart conditions
At Total Travel Protection, we believe that heart conditions should not stop you from taking the holidays you love. We are dedicated to providing people with heart conditions travel insurance that means they can holiday with peace of mind and comprehensive cover. If you’re unsure about your condition or treatment details, organisations like The British Heart Foundation can help you understand your diagnosis before completing your screening.
We know that heart conditions can often mean lengthy recoveries and other lifestyle changes. But we don’t believe you should have to change your travel habits!
If you need travel insurance for a heart condition, we can help. We cover all types of heart conditions up to a high level of severity, and with no upper age limit. For more information, request your quote today.
Travel insurance cover and benefits
- Emergency medical & repatriation up to £10 million (Platinum Cover)
- 24-hour emergency medical assistance
- Cancellation cover up to £6,000 (Platinum Cover)
- Cover for mobility aids and prescription medication
- Baggage up to £3,000 (Platinum Cover)
- Personal liability up to £2 million (Platinum Cover)
- Legal expenses up to £25,000
Travel insurance protection for heart conditions
Travel insurance protection from Total Travel Protection can cover you and your holiday, even if you have a heart condition. Heart conditions, including heart attacks, angina, stents atrial fibrillation and more, can all be covered, up to a high level of severity. This can also include related conditions such as high cholesterol and high blood pressure, which are often linked to heart health.
Our policies include cover for emergency medical expenses and repatriation (getting you home) up to £10 million per person whilst you are abroad, as well as access to our 24-hour emergency medical assistance team by phone, from where you are in the world.
Cover is also available for mobility aids, prescription medication, cancellation, personal possessions, legal expenses, personal liability and much more.
Cover for heart condition prescription medication
Living with a heart condition might mean you have to take prescription medicines on holiday with you. Those can be expensive to replace if they are lost or stolen while you’re away, so our travel insurance for a heart condition also includes cover for loss of medication up to £300 per person.
Buy travel insurance for heart conditions online
Our travel insurance for heart conditions is available to buy online, all day every day, on our website. You can request a quote tailored to your specific needs, whenever suits you best.
Heart condition cover by phone
If you’d rather speak to someone on the phone, one of our friendly and professional team will be delighted to take your call.
They’re all fully trained to answer your questions and offer any help you need.
You can call us on 0330 053 3747
We are open during the following times:
Monday to Friday 9am - 7pm. Saturday, Sunday and Bank Holidays 9am - 5.30pm.
The price for our heart condition cover is always the same whether you order by phone or online, and you’ll receive the same excellent service, however you choose to buy.
Single-trip insurance
As you may expect, our single trip insurance covers just that – one specific trip, from the day you leave to the day you return home.
Your trip can last for up to 94 days and can be to anywhere in the world you want to visit. (Providing the Foreign, Commonwealth and Development Office is not advising against non-essential travel).
Travel insurance for cruise holidays
When you get a quote for travel insurance with us you will be asked ‘Are you going on a cruise?’. If you select yes, our optional cruise extension will be automatically included in your quote, providing these additional benefits:
• Cabin confinement cover
• Missed port departure protection
• Itinerary change compensation
• Unused excursions reimbursement
• Cruise interruption cover
You can remove the extension on the Additional Cover Options page, where you’ll also see the premium. Without it, standard cover still applies and you will be covered to go on a cruise holiday, but you won’t receive these extra benefits.
What does travel insurance cover?
Total Travel Protection offers several levels of travel insurance to match different needs and budgets. Our cover options include Silver, Gold and Platinum plans, each offering varying levels of protection.
Swipe the table left/right to compare cover levels
Silver
| Gold
| Platinum
| |
|---|---|---|---|
|
Emergency medical and repatriation expenses
(not private medical insurance) | £5 million | £7.5 million | £10 million |
| Cancellation and curtailment | £3,000 | £6,000 | |
|
Personal possessions
(not gadgets) | £2,000 | £3,000 | |
| Missed departure | £500 | £1,000 | |
| Loss of medication | £300 | £300 | £300 |
| Mobility aids | £2,500 | £2,500 | £2,500 |
| Personal liability | £2 million | £2 million | |
| Legal expenses | £25,000 | £25,000 | |
|
Excess
(the amount you will have to pay towards the cost of a claim) |
£100 |
£75 |
Additional cover options
Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.
Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More
This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.
Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More
Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.
Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.
Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.
Tips for Travelling with a Heart Condition
Managing a heart condition shouldn’t stop you from seeing the world, provided you pace yourself and plan ahead.
- Request airport assistance: If long walks through terminals are taxing, pre-book a buggy or wheelchair service.
- Keep medication in hand luggage: Always carry your heart medication in your carry-on bag in case your hold luggage is delayed.
- Mind the altitude: High altitudes can put extra strain on the heart; consult your cardiologist if you are travelling to mountainous regions.
- Monitor the temperature: Extreme heat or cold can affect your heart rate and blood pressure; plan indoor activities during peak heat.
- Carry a recent ECG: Having a copy of your most recent ECG or a summary of your condition can help local doctors if you need treatment.
- Know your limits: Avoid heavy lifting—use four-wheeled suitcases that are easy to manoeuvre through the airport.
Heart condition travel insurance FAQ
We cover all types of heart conditions up to a very high level of severity. Whether you need travel insurance after a heart attack, or a policy to cover a condition you’ve been living with for months or years, we can help.
Yes. We need to get a clear picture of your medical history in order to provide cover.
If you don’t declare a pre-existing medical condition; it can affect the cover of your policy. Any pre-existing conditions that we don’t know about could lead to claims only being partially paid out, or possibly denied altogether.
Yes. Provided the treatment relates to a diagnosed existing heart condition that you tell us about when you buy a policy, we can provide travel insurance for you to take a holiday whilst you are on a waiting list for treatment.
However, we are unable to provide travel insurance cover for undiagnosed medical conditions.
Please note: If you are awaiting treatment or investigation, our policy will not provide cover for cancellation or curtailment under the following circumstances:
- You receive an appointment that conflicts with your planned trip.
- You become unable to travel as a result of the planned treatment or investigation.
You may be able to get travel insurance for a range of heart conditions, including after a heart attack, angina or atrial fibrillation.
Total Travel Protection can cover:
- A wide range of heart conditions, up to a high level of severity
- Pre-existing conditions once declared during medical screening
You must be fit to travel and provide accurate medical information to ensure full cover.
Most people with heart conditions can fly, but you may be advised not to travel if:
- Your condition is unstable or has been recently diagnosed
- You’ve had a recent heart attack or surgery
- Your doctor advises against flying
Always speak to your GP or specialist before travelling, and check with your airline if medical clearance is required.
Yes, taking beta blockers can affect your travel insurance because they usually indicate an underlying heart condition.
You should:
- Declare all medications during medical screening
- Provide details about your condition and treatment
This helps ensure your policy fully covers any related medical issues abroad.
Taking statins alone may not significantly increase your premium, but it can affect your quote depending on:
- The underlying condition being treated
- Your overall health and medical history
You should always declare statins and any other medication to ensure valid cover.
An irregular heartbeat (arrhythmia) can affect travel insurance as it is considered a medical condition.
However, you may still be able to get cover by:
- Declaring the condition during screening
- Providing details about symptoms and treatment
Once accepted, your policy can include cover for related medical emergencies abroad.
Atrial fibrillation (AF) is usually considered a chronic condition, as it is long-term and requires ongoing management.
For travel insurance:
- It must be declared as a pre-existing condition
- Cover is typically available if the condition is stable and well managed
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