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We’re here to help you feel confident about exploring the world with heart failure. We specialise in cover for people with pre-existing heart conditions, with protection tailored to complex medical needs.
Travel with confidence knowing you have cover designed specifically for your needs, within your chosen level of protection. Whether you’ve been declined elsewhere or simply want cover that truly understands heart conditions, we’re here to help.
Why do you need specialist Travel Insurance for heart failure?
According to the British Heart Foundation, around 7.6 million people in the UK are living with heart and circulatory diseases. According to the NHS, heart failure affects roughly 920,000 people, with a further 200,000 cases diagnosed each year.
If you’re living with heart failure, travelling can come with additional considerations. Changes in climate, altitude, and routine, along with the physical demands of travel, may increase the risk of symptoms or a medical episode while you’re away. This means you may be more likely to need medical attention during your trip.
Healthcare costs abroad can also be high. For example, treatment for heart-related conditions in countries like the USA can run into thousands of pounds, especially if hospital care or medication is needed unexpectedly.
That’s why specialist Travel Insurance is so important. It takes your condition into account and can help protect you against:
- Emergency medical treatment related to heart failure
- Trip cancellations or cutting your holiday short due to your health
- Unexpected hospital stays or specialist care abroad
- The cost of medication if it’s lost, delayed, or urgently needed
We tailor your Travel Insurance to your individual needs, so you can travel with confidence. We cover: All medical conditions. All ages. All destinations. With 97% of customers saying they would recommend us to family and friends¹, you can feel confident you’re in safe hands.
What cover does AllClear’s heart failure Travel Insurance provide?
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What’s covered?
- Medical cover – AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- 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 you if you need to return 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 – We’ll compensate you for the time if your flight is delayed. If you miss your flight, you’ll also be covered for 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 Travel Insurance has 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 Heart Failure Travel Insurance won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime
- 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 – You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses
Cover benefits for heart failure Travel Insurance
For full details of cover, please see your policy wording.
We tailor all our travel policies to your specific requirements. So, we offer three different policy levels: Gold, Gold Plus, and Platinum.
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.
Can you get Travel Insurance with heart failure?
Many people living with heart failure may have been declined by standard insurers or offered limited cover. This can feel discouraging and may leave you wondering whether travelling is still an option.
The good news is that specialist providers like AllClear focus on more complex conditions, including heart failure. Rather than taking a one-size-fits-all approach, we assess your individual circumstances to better understand your needs.
Since 2000, we’ve supported people with pre-existing medical conditions, including heart failure, helping them access Travel Insurance that reflects their situation.
We can consider cover for a range of related cardiac conditions, including:
- Heart failure
- Cardiomyopathy
- Heart valve disease
- Previous heart attack
- Atrial fibrillation
- Angina
When you apply, our medical screening process takes into account the details of your heart failure and overall health. This allows us to tailor your Travel Insurance more accurately, so you can feel supported when planning your trip.
How much does Travel Insurance for heart failure cost?
There isn’t a one-size-fits-all price when it comes to Travel Insurance for heart failure. The cost is shaped around you, your health, and the kind of trip you’re planning.
A few things that can influence the price include:
- How your heart failure is currently managed
- Any recent symptoms or changes in your condition
- Your age and overall health
- Where you’re travelling to
- How long you’ll be away
- What you have planned while you’re there
Heart failure can increase the likelihood of needing medical support while abroad, so policies can sometimes cost more than standard Travel Insurance. But that doesn’t mean you won’t find something that works for you.
When you apply, you’ll be asked a few straightforward questions about your condition and treatment. This helps build a clearer picture of your health, so your policy reflects your situation, not just your diagnosis.
If your condition is stable and well-managed, this can make a difference. The aim is to offer cover that feels fair, practical, and suited to your trip, so you can focus on getting away rather than worrying about what might happen.
How to get Travel Insurance when you have heart failure
Getting Travel Insurance with heart failure may feel like a hurdle, but there are options available that take a more personalised approach.
Specialist providers will look at your overall health and circumstances, rather than making assumptions based on your condition alone. This means your application is assessed more fairly, with your individual situation in mind.
You may be asked questions such as:
- When were you diagnosed with heart failure?
- Do you currently experience any symptoms?
- Have you had any recent hospital admissions or treatments?
- Are you taking any prescribed medication?
- Has your condition changed recently?
- Are you under the care of a specialist or GP?
- Do you have any other medical conditions?
- Have you been advised against travelling by a doctor?
Before travelling, it’s a good idea to speak with your doctor, particularly if you’ve had any recent changes in your health. This can give you reassurance that you’re ready to travel and help you plan with confidence.
Taking the time to share accurate information during the process helps ensure your Travel Insurance is suited to your needs. With the right support in place, you can focus more on your plans and less on the practicalities.
How our Travel Insurance for heart failure works: A simple 3-step quote process
Getting a quote for Travel Insurance for heart failure couldn’t be simpler. Here’s how it works.
1. Get a quote online or by phone
The first step is to provide your personal details and information about your holiday plans. Complete this over the phone with one of our team members or online.
2. Complete our simple medical screening process
You must declare any medical conditions you have and any medications you’re taking. This will allow us to provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
“Living with heart failure doesn’t mean you have to stop travelling, but it does mean taking a more considered approach. Many people with heart failure are able to enjoy time away, provided their condition is stable and they’ve spoken to their doctor beforehand. Planning ahead is key, from understanding how your body may respond to changes in climate or activity levels, to making sure you have access to medication and support if needed. With the right preparation and appropriate Travel Insurance in place, travelling can still be a safe and rewarding experience, allowing you to maintain your independence and continue doing the things you enjoy.”
We were helped by a lovely lady...
“We were helped by a lovely lady, Angelina, who offered several options for us to decide on the best cover for us. This is the first time travelling abroad after discovering this year that he has heart failure. All is under control, and there is no reason he cannot travel. We were worried about the extra cost but were pleasantly surprised. Would recommend.”
What our Customers Say
Heart Failure Travel Insurance FAQs
We can consider cover for a wide range of heart conditions, including heart failure, coronary artery disease, angina, atrial fibrillation, previous heart attacks, cardiomyopathy, heart valve disease, and many others. Each application is assessed individually based on your current condition stability and medical history. Our specialist underwriters are experienced in cardiac conditions and can often provide cover where standard insurers cannot.
Our medical screening process is designed specifically for people with heart conditions. You’ll be asked about your diagnosis date, current symptoms, recent hospital admissions, medications, and any procedures you’ve had. Be completely honest about all aspects of your condition, including any recent changes. This ensures we can provide appropriate cover and avoid any issues with claims.
Yes. While your Global Health Insurance Card (GHIC) provides access to medically necessary state healthcare in EU countries at the same cost as a local resident, it doesn’t cover repatriation to the UK, trip cancellation, or private medical treatment. For someone with a heart condition, Travel Insurance plays an important role in helping cover the wider range of potential medical and travel costs that GHIC doesn’t include.
If your doctor advises against travel because your heart failure has worsened, your condition becomes unstable, or you require hospitalisation, you may need to cancel your trip. In these situations, if your medical team determines that travelling would be unsafe, our cancellation cover can help protect your trip costs up to the policy limits. This is subject to your policy terms and conditions, and you will need to provide the appropriate medical evidence to support your claim.
Most people with stable, well-managed heart failure can fly safely, but you should always get clearance from your doctor first. Airlines may require a medical certificate for certain heart conditions. Your doctor can advise whether flying is safe for your specific situation and what precautions you should take. Our travel insurance policies are designed to include cover for medical emergencies during your trip, depending on the cover you choose.
No, atrial fibrillation and heart failure are different conditions, though they can occur together. Atrial fibrillation is an irregular heart rhythm, while heart failure occurs when the heart cannot pump blood effectively. However, both conditions require specialist Travel Insurance, and we can provide cover for either condition individually or when they occur together.
Heart failure is a chronic condition where the heart cannot pump blood effectively, while a heart attack is an acute event where blood flow to part of the heart muscle is blocked. A heart attack can sometimes lead to heart failure, but they are distinct conditions. Both require specialist Travel Insurance, and our medical screening process addresses the specific risks associated with each condition.
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 574 responses, post-purchase survey June 2025.
