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Having an arrhythmia doesn’t just affect your day-to-day life; it can also change how you think about travelling. If your symptoms are occasional or more persistent, it’s natural to want reassurance that you’re protected if something happens while you’re away.
That’s where specialist Arrhythmia Travel Insurance comes in. Instead of treating your condition as a complication, it’s taken into account through a medical screening process, so your policy reflects your individual health.
At AllClear, we understand that arrhythmias vary from person to person. By looking at your circumstances in detail, we aim to help you travel with greater confidence, so you can focus on your trip, not your condition.
What is Travel Insurance for arrhythmia?
Travel Insurance for arrhythmia is designed for people living with an irregular heartbeat who want to travel with confidence. Specialist policies can include protection for emergency medical treatment and cancellation, helping to reduce the financial risk if your condition affects your trip.
Arrhythmias, including conditions like atrial fibrillation, are common. According to Heart Research UK, more than 2 million people in the UK experience arrhythmia each year. While often manageable, an irregular heartbeat can sometimes lead to more serious complications, particularly when travelling.
Cardiovascular conditions are also one of the leading causes of hospital admissions in the UK, with over 100,000 hospital admissions each year due to heart attacks. If something similar were to happen abroad, the costs could be much higher, especially when you factor in emergency treatment and medical repatriation. Without the right Travel Insurance, these costs could fall to you.
That’s why it’s important to choose a policy that considers your condition. At AllClear, we specialise in Medical Travel Insurance for people with pre-existing medical conditions, assessing each application individually.
Comprehensive cover for all types of arrhythmia
We provide specialist cover for the full spectrum of heart rhythm disorders, so you can travel with peace of mind. Our medical experts understand that every arrhythmia is different, which is why we assess each case individually.
Common arrhythmia types we cover include:
- Atrial fibrillation (AFib)
- Atrial flutter
- Supraventricular tachycardia (SVT)
- Ventricular tachycardia
- Bradycardia
- Heart block
- Premature ventricular contractions (PVCs)
With our specialist underwriting, we focus on understanding the nuances of heart rhythm disorders and how they are managed. We recognise that with proper management, people living with arrhythmia can travel safely.
Your declared arrhythmia condition includes cover for related medications, treatments, and any complications that may arise from your specific heart rhythm disorder.
What your Arrhythmia Travel Insurance policy includes
Your Arrhythmia Travel Insurance provides extensive protection across multiple areas, making sure that you’re covered for both medical emergencies and travel disruptions. Here’s exactly what your policy includes across our three coverage levels.
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What’s covered?
- Medical cover: AllClear policies include emergency medical cover, including arrhythmia and any other medical conditions you declare. This can include treatment for symptoms such as palpitations, dizziness or breathlessness, as well as necessary medical care abroad
- Cancellation and cutting your trip short: Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover returning home early following an emergency
- Your baggage: Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures: Delayed flight? We’ll compensate you for the time. We’ll also cover any resulting accommodation and transport costs
- Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages: We believe Travel Insurance should be available to as many people as possible. That’s why our policies have no upper age limit
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What’s not covered?
- Deciding not to travel: We do not provide any cover if you can travel but choose not to
- Other regions: Your Arrhythmia Travel Insurance will not cover you if you travel beyond your chosen destination. You can contact us to upgrade your policy before you travel
- Claims below the value of excess: You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare: When you buy Travel Insurance, you need to provide us with an accurate medical history so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
Why choose AllClear for your Travel Insurance?
When you’re living with arrhythmia, getting Travel Insurance can feel a bit uncertain. You might wonder whether your condition will be properly covered or excluded altogether.
At AllClear, we understand those concerns. That’s why we take the time to look at your individual circumstances through our medical screening process, rather than applying blanket rules. We know that an irregular heartbeat can affect everyone differently, and travelling can sometimes bring extra worries. Having the right Travel Insurance in place means you don’t have to carry those worries with you.
With no upper age limit and a long history of helping people with medical conditions get cover, our aim is simple: to help you feel comfortable travelling again. So instead of focusing on the “what ifs”, you can focus on your trip, knowing your condition has been taken into account.
“When you’re living with an arrhythmia, travelling can come with a few extra worries, especially around your health and what might happen if you need treatment abroad. The important thing is having Travel Insurance that properly takes your condition into account. By understanding your individual circumstances, we can offer cover that reflects your needs, so you’re not left second-guessing your protection. That way, you can focus on enjoying your trip, rather than worrying about the unknown.”
Letitia Smith – Head of Communications
What our Customers Say
AllClear gives us all the freedom to travel the world
“As you know, it’s bad enough having cardiomyopathy with arrhythmia, let alone without the added stress of trying to find suitable and affordable travel insurance. If only I’d known about AllClear a few years ago, I would have saved a lot of angst, time and money arranging my insurance, especially to the US and Caribbean, which are my favourite destinations. And as I have a wish list to do another fly-drive in the USA, visit my son and family in Japan and cruise through the Panama Canal, I can plan these trips with confidence, knowing that there is AllClear for my insurance needs.”
Tips for travelling with arrhythmia
Travelling with an arrhythmia may require a bit more planning, but with the right preparation, you can enjoy your trip with confidence.
- Check with your doctor before you travel – Always speak to your GP or cardiologist to confirm you’re fit to travel, especially if your symptoms have changed or you’ve had recent treatment
- Choose a destination that suits your condition – You know your body best, so think about how your arrhythmia affects you day to day. Some travellers prefer to avoid hilly destinations, long walking distances or accommodation with lots of stairs
- Consider the climate and altitude – Extreme heat, cold or high altitudes can affect your heart and trigger symptoms. If you’re unsure, ask your doctor which environments are best suited to your condition
- Carry your medication with you – Keep all medication in your hand luggage and bring extra in case of delays. It’s also helpful to carry a doctor’s letter explaining your condition and treatment
- Know how to manage your symptoms – If you experience an episode, techniques such as taking slow, deep breaths from your abdomen can sometimes help regulate your heart rhythm
- Keep emergency details accessible – Have important contacts to hand, including your Travel Insurance emergency helpline, your GP details and local emergency numbers at your destination
With a little preparation and the right support in place, travelling with arrhythmia can feel much more manageable, so you can focus on enjoying your time away.
Arrythmia Travel Insurance FAQs
Yes, you must declare your arrhythmia regardless of how well-controlled it is. Even stable heart rhythm conditions need specialist assessment to ensure appropriate cover. Failure to declare any diagnosed arrhythmia will invalidate your policy and could mean you have to pay for treatment costs yourself.
You’ll need details about your arrhythmia diagnosis, current medications, recent hospital visits or treatment changes, and any symptoms in the past 12 months. Having your medication list and recent medical correspondence handy will speed up the process and ensure accuracy.
Yes, our policies provide comprehensive cover for atrial fibrillation (AFib) and all other types of arrhythmia when properly declared. AFib is one of the most common heart rhythm conditions we insure, and our medical team has extensive experience assessing AFib cases.
If you have a heart condition, it’s always best to take out Travel Insurance with a specialist medical provider. At AllClear, we believe everyone deserves the opportunity to travel, including those living with a heart condition. We have been proud specialists since 2000, for Travel Insurance you can trust – get your quote today.
Most people living with an irregular heartbeat are able to fly. However, It’s always best to check with your doctor before travelling or booking a holiday. Your airline may also require you to have a fit-to-fly certificate before travelling.
With an Annual Multi-trip policy, you can take as many trips as you want within a 12-month period. For annual multi-trip cover (on AllClear Gold and Gold Plus policies), there is a maximum holiday length of 31 days if you are over 70. In addition, if you are under 70, the maximum holiday length is 45 days. With an annual multi-trip policy for travel insurance for arrhythmia, all trips must start and end in the UK. When planning a trip longer than 45 days, a single trip quote might be a better option. This is also the case if you are only planning one trip in the year. For more information, read our single-trip travel guide.
Absolutely. Annual policies can offer excellent value for frequent travellers living with arrhythmia. Your eligibility and premium will depend on your specific condition and medical history, assessed during the medical screening process. Many of our travellers find annual cover more convenient and cost-effective.
Contact our 24/7 emergency helpline immediately. Our English-speaking medical team includes specialists familiar with heart conditions who can coordinate your care with local hospitals. We’ll arrange and guarantee payment for treatment, medication, and repatriation if needed, ensuring you receive appropriate cardiac care when you are abroad.
Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Our content is created and reviewed by a dedicated team of experts
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinium has been 5 Star rated by Defaqto.
1. Based on completed quotes between May 2024 and April 2025.
