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Most standard policies bought through PayingTooMuch include:
To make sure you have the right level of cover while you’re enjoying a cruise or a holiday on the slopes, remember to add Cruise Cover or Winter Sports Cover.
Living with atrial fibrillation shouldn’t stop you from finding travel insurance you can feel confident in. But it can make it harder. Any pre-existing medical condition will make your holiday cover more expensive. This is because there’s a higher chance you’ll make a claim. It's important to declare as much as you can about your heart condition, to make sure you find the right policy. That way, you’ll have the right level of protection if something doesn’t go to plan.
It’s not impossible to get holiday cover when you’re living with atrial fibrillation. In fact, PayingTooMuch specialises in travel insurance for people with pre-existing conditions. You might struggle to get insured if:
If you want to know more about how to get cover with atrial fibrillation, you can talk to our helpful customer service team.
If you can’t get covered though us, the Money Helper directory has a list of specialist medical insurance providers, who could help.
There is no one policy that fits all. The right policy for your needs depends on you and your holiday plans. For you, this might include personalising your policy with add-ons, such as cruise cover or choosing not to pay anything if you need to make a claim - which is called a ‘zero excess’.
Built for people that only need cover for one trip
Often better value for money if you’re going on more than one getaway in a year
Using our straightforward price comparison, you could find the right cover in minutes.
Simply start your quote and answer a few questions about you, your health and your trip. It’s important to answer them accurately and honestly. This will make it easier for you to find cover you know will protect you when you’re on holiday.
What questions will I be asked during the medical screening for atrial fibrillation?add remove
You’ll be asked questions to make sure you get the right cover for your needs. This might include:
- How your atrial fibrillation is being treated
- How many unplanned hospital visits for your irregular heartbeat you have had in the last 12 months
- If you’ve ever been advised that further investigation or treatment is required for this condition
- If you’re on medication to thin the blood (excluding aspirin and clopidogrel)
- If your heart rhythm ever caused collapses, faints or blackouts
Questions will vary depending on your answers. It’s important to be as honest as possible to make sure your travel cover is right for you.
Do I need to declare atrial fibrillation on my travel insurance?add remove
It’s really important to tell us about any conditions that you’ve had symptoms, treatment or medication for. Declaring any medical conditions helps to make sure your policy is right for your needs. This way, you can have peace of mind knowing that you'll be covered if something goes wrong.
If you can’t find cover through us, the Money Helper Travel Insurance Directory may be able to help.
Do you cover other types of arrhythmias?add remove
Yes, we can usually cover most types of arrhythmias, including supraventricular tachycardia, bradycardia and heart block but eligibility depends on you and the stage of your condition.
Where can I travel to with a pre-existing condition?add remove
With the right policy, you should still be able to travel to the same places you normally would. This will normally exclude any destinations that are against FCDO advice, but you can check the full policy details when you get your quotes.