Travel Insurance after a heart attack
My Dad has a heart attack 3years ago come September, he had a stent fitted at the time and thankfully has been fit and healthy since then. Him and my uncle are planning to go out to see family in Vancouver in September for 3 weeks however the cost of travel insurance is almost as much as the flight.
The questions the companies are asking are all the same, and it seems as if no matter how long ago the heart attack occurred you still present the same risk to an insurer. All ask if the attack was more or less than 6 weeks ago, he could hardly walk 6 weeks after he was discharged from hospital yet 3 years on he is as fit and healthy as I have seen him in a long time.
The numbers we have been quoted range from £500 to £600 for a single trip policy. He could go without cover for pre existing conditions and it could set him back around £130 for the policy.
Anybody had similar issues? any companies out there who you can recommend?Posted 4 years agoPeterStarkissMember
British Heart Foundation website has some links to insurers that cover heart conditions.
I took out travel insurance last year, two years after having a heart attack and stents, it was very expensive but cheaper than the bill I would have got from a Spanish hospital.
I spent literally hours on the phone to insurers going through medical details and medication only to be told, sorry we can’t cover you.
If you start with the BHF links at least your Dad may avoid this.
Annual insurance is way cheaper on a pro rata basis but that’s only relevant if you are planning more than one trip.Posted 4 years agowoody2000Subscriber
As mentioned above, call or go in to a local broker. my dad had a heart attack 2.5 yrs ago and quotes had been sky high, they went to a local insurance broker and were quoted around 60% less. For specialist insurance, you really need to speak to someone. Good luck 🙂Posted 4 years agototalshellSubscriber
after having an artificial valve 14 yrs ago i travelled to the states to recuperate. the costs were extreme so we asked the surgeon what the risk actually were so he wrote me a letter.. basically although i was a greater risk of a heart related health issue the increased risk was less than 5%..Posted 4 years agoandybanksMember
Try Fish Insurance in Preston. One of my clients and they specialise in insurance for people with disabilities and pre-existing conditions.Posted 4 years ago
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