• Jun 27, 2025
• By Brian

Best Travel Insurance for Pre-existing Heart Conditions Traveling with a pre-existing heart condition requires careful planning, especially when it comes to securing the right travel insurance

Many standard policies exclude coverage for pre-existing medical conditions, leaving travelers vulnerable to high medical costs abroad. Fortunately, specialized insurers offer comprehensive coverage tailored to those with cardiovascular issues.

Why You Need Specialized Travel Insurance

Standard travel insurance policies often exclude or limit coverage for pre-existing conditions, including heart disease, arrhythmias, or past cardiac surgeries. Without proper coverage, emergency medical treatment abroad can lead to exorbitant bills. A dedicated policy ensures:

(hospital stays, doctor visits, medications)

due to health complications

to a suitable facility

related to your condition

Top Travel Insurance Providers for Heart Conditions

1. Allianz Global Assistance

– Offers coverage for stable pre-existing conditions if purchased within 14-21 days of initial trip payment.
– Includes emergency medical care and evacuation.

2. World Nomads

– Covers acute onset of pre-existing conditions (varies by policy).
– Popular among adventure travelers with flexible plans.

3. IMG (International Medical Group)

– Specializes in medical travel insurance with customizable plans.
– Covers chronic conditions if stable before travel.

4. Travelex Insurance

– “Pre-existing Condition Waiver” available if purchased within 15 days of booking.
– Includes trip cancellation and emergency medical benefits.

5. Seven Corners

– Offers “Liaison Travel Plus” for travelers with serious medical histories.
– Covers pre-existing conditions if the policy is bought soon after trip deposit.

Key Considerations When Choosing a Policy

Most insurers require your condition to be stable (no recent hospitalizations or medication changes).

Many waivers must be bought within 10-21 days of initial trip payment.

Some insurers may ask for a physician’s approval.

Read fine print—some exclude high-risk activities.

Final Advice

Always disclose your heart condition honestly when applying. Compare policies for coverage limits, deductibles, and emergency assistance services. Consult your cardiologist before traveling to ensure you’re medically cleared.

With the right insurance, you can explore the world with peace of mind, knowing you’re protected in case of a cardiac emergency abroad.

Safe travels!

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