Some people are born with heart conditions, and others experience them as they get older. Regardless, it doesn’t mean if they can’t live their life to the fullest. Yet from an insurance point of view, such health concerns mean higher risk. There are quite a few companies out there who will deny coverage based on this medical issue. It doesn’t matter if you have an irregular heartbeat, you have suffered a heart attack, or you have anxiety known as angina.
The good news though is there are companies willing to provide you with travel insurance in spite of heart conditions. They realize you are still trying to get out there and enjoy your life to the fullest. Travelling may be one of the things you really enjoy being able to do with your time. You shouldn’t be limited and unable to get coverage, because you have something going on with your heart that is out of the ordinary.
Fit for Travel
Keep in mind you must be deemed fit for travel in order to get this type of insurance coverage. Your doctor will need to provide a medical statement. If you need any special accommodations for travel, such as oxygen, then that should be documented by your doctor as well. Accommodations don’t mean you won’t get approved for the insurance.
Depending on your travel destination, they may not be fully equipped with the medical facilities to take care of your type of heart concern. That could be a limiting factor for you to get approved by your doctor. If that is the case, you may be able to travel, but you might have to select a different destination. You won’t know until you start to talk to your doctor about your health issues and how traveling will impact them.
Different providers of travel insurance, if you have a heart concern, can also have various criteria for you to be eligible. For example, if you have had a heart attack, you may be able to get coverage if the event was more than one year ago. The specific time frames are up to the provider. With this in mind, if you can’t get approved by one company, don’t give up. Look for one where you can meet their criteria.
Travel for Heart-Related Care
There is one exception to this rule, but you will still need the approval of medical professionals. If you need to travel in order to get appropriate medical care for your heart, such as a heart transplant, they may approve you. While the travel is dangerous, it is less of a risk than you not getting the procedure you need. The travel insurance coverage can be very important in this type of scenario, because you don’t know what the outcome will be.
You may have to stay at the place where the procedure took place for several weeks until they determine you are stable enough to travel back to your home. You may be able to get a lower price on such insurance after the heart procedure than you did on your way to get it done. Again, you may need to talk all this over with your doctor and with the provider of the insurance. This will be necessary for approval and for the best possible rates.
Other Heart Conditions
The less severe your heart condition is, the more likely it is you can get insurance coverage for travel. However, you should always be honest about what type of issues and concerns you have. If not, the insurance may prove to be invalid when you try to file a claim. You will need to disclose medical exams and screenings, details about your heart treatments, any surgeries, and any medications you take for them.
Cost
Even though insurance for people with heart conditions is going to cost more than for other travellers, the cost isn’t unreasonable. The cost depends on the company you get the coverage through, the types of coverage it offers, and the maximum payouts offered. Make sure you fully understand the pricing and what the insurance protection offers you before you sign up.
Such travel insurance can give you the comfort you need to make your travel plans. Perhaps you worry you will become ill away from home. The cost of going to an ER or to doctors due to heart issues can be very expensive. This type of insurance can help you keep the costs at bay while you get out there and see what the world has to offer!
Even if you have health insurance, there are so many extra costs that aren’t covered by it. With the heart condition coverage, you will have something extra in place in the event you need it. Hopefully, your travel plans will move along just fine without any concerns. Yet, the reality is if you have heart problems, anything can happen at any time. It is important to make sure you have a plan in place for safety and security. You may have thought no such coverage would ever be extended to you. Now that you know differently, you can explore the opportunity.
Compare and Buy Online
Since it makes sense to have such coverage in place, finding the right provider and the right cost is important. It is fast and easy to compare and buy such insurance coverage online. Answer the questions and enter your details. Once you get the quotes, you can compare them side by side. If you have any questions, get further information to aid you with your decision. The wrong coverage for heart problems and travel can be just as bad as not having any coverage at all. Once you find the quote for coverage you are content with, follow the steps to purchase it.
You may have to provide documentation from your doctor before you are able to proceed with the purchase. Typically, this can be done by having your doctor fax over documents that were requested. Then you can get approved, pay your premium, and have that coverage in place to protect you against the unknown.