• Aug 06, 2025
• By Matthews

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

Many standard policies exclude coverage for pre-existing conditions, leaving travelers vulnerable to high medical costs abroad. Fortunately, specialized plans are available to provide peace of mind.

Why You Need Specialized Travel Insurance

If you have a heart condition—such as coronary artery disease, arrhythmia, or a history of heart attacks—standard travel insurance may not cover related medical emergencies. Without proper coverage, you could face:

for heart-related treatments

for hospital stays

options

A policy that includes pre-existing condition waivers ensures you’re protected if your condition flares up during your trip.

Top Travel Insurance Providers for Heart Conditions

1. Allianz Global Assistance

– Offers a “Pre-Existing Condition Waiver” if purchased within 14-21 days of your first trip payment.
– Covers emergency medical treatment and evacuation.

2. Travel Guard (AIG)

– Provides a “Pre-Existing Medical Condition Exclusion Waiver” when buying within 15 days of initial trip deposit.
– Includes 24/7 emergency assistance.

3. World Nomads

– Covers sudden recurrences of stable pre-existing conditions (varies by policy).
– Good for adventurous travelers with flexible plans.

4. IMG (International Medical Group)

– Specializes in medical travel insurance with customizable plans.
– Offers coverage for chronic conditions, including heart disease.

5. Seven Corners

– Includes a “Pre-Existing Condition Waiver” if purchased within 20 days of initial trip payment.
– Covers trip cancellation due to medical issues.

Key Features to Look For

When comparing policies, ensure they include:
✅ Pre-existing condition waiver (not just a review)
✅ Emergency medical and evacuation coverage
✅ Trip cancellation/interruption protection
✅ No age restrictions (some insurers limit coverage for seniors)

How to Get the Best Coverage

– Be honest about your medical history to avoid claim denials.

– Use comparison sites like InsureMyTrip or Squaremouth.

– Some insurers require your condition to be stable for 60-180 days before travel.

– Look for exclusions related to high-risk activities.

Final Thoughts

Traveling with a heart condition doesn’t mean you have to risk financial hardship. By choosing a policy that explicitly covers pre-existing conditions, you can explore the world with confidence. Always consult your doctor before traveling and carry essential medical records.

Safe travels!

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Would you like recommendations based on specific destinations or additional details on policy limits? Let me know how I can refine this further!