Travel Insurance with Heart Condition | What Are The Costs?

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Travel Insurance with a Heart Condition: How Much Does it Cost?

Travelling with a heart condition doesn’t have to be off-limits, but it does require extra planning—especially when it comes to insurance, risk management, and choosing the right destination. Here's what you need to know before booking your next trip.

How Much is Travel Insurance with a Heart Condition?

The cost of travel insurance for someone with a heart condition varies depending on the nature of the condition, your age, destination, and length of the trip. On average:

  • European cover with a heart condition might start at around £50 to £120 per person for a week.

  • Worldwide cover can cost between £100 and £200+, depending on whether countries like the USA or Caribbean are included.

Prices are higher than standard insurance because of the additional medical risk, but they’re still manageable—especially with specialist providers.

Travel Insurance Companies That Cover Heart Conditions

If you’re living with angina, have had a heart attack, or have a pacemaker, you’ll need to declare your condition during the application process. These insurers offer specialist cover:

  • AllClear Travel Insurance – Known for covering all types of pre-existing conditions, including serious heart issues.

  • Staysure – Offers comprehensive policies with optional upgrades like cruise cover or cancellation cover linked to medical conditions.

  • Avanti – Provides flexible coverage and allows you to declare a wide range of cardiac issues, with access to a 24/7 medical assistance line.

  • InsureandGo – Includes options for mild heart conditions or high blood pressure as part of tailored medical screening.

Always read the policy wording and contact the provider directly if you’re unsure whether your condition qualifies under standard cover.

Risks of Travelling with a Heart Condition

Flying and travelling in general can put extra strain on the heart, especially when conditions are extreme, or the travel is long and tiring.

1. Immobility and DVT Risk

Long-haul flights involve sitting still for hours, increasing the risk of blood clots (deep vein thrombosis). This is especially concerning for people with existing cardiovascular problems.

2. Altitude and Cabin Pressure

Commercial flights pressurise cabins, but oxygen levels are still lower than at sea level. For some people with certain heart conditions, this can trigger shortness of breath or angina.

3. Stress, Heat, and Overexertion

Holiday stress, unfamiliar environments, and heat exhaustion can all affect heart function. Being in a hot climate without proper hydration or overdoing it with activities may increase risks.

Tip: Speak to your GP or cardiologist before you travel. They may suggest adjustments to your medication or precautions for specific destinations.

Best Places to Travel with a Heart Condition

When choosing a destination, opt for places with moderate climates, short flight durations, and good access to medical care. Here are some heart-friendly options:

1. Amsterdam, Netherlands

  • Flight time from UK: ~1 hour

  • Mild summer temperatures, walkable city, excellent hospitals.

  • A great option for a relaxed city break with scenic canals and low-stress travel.

2. Paris, France

  • Flight time from UK: ~1 hr 15 mins or ~2 hrs by Eurostar

  • Paris offers top-tier medical facilities, a pleasant climate in August (around 25°C), and easy access from the UK by train or plane.

3. Brussels, Belgium

  • Eurostar journey: ~2 hours

  • A short train ride from London makes it a great alternative to flying. It has a manageable pace and good infrastructure for travellers with health needs.

4. Barcelona, Spain

  • Flight time: ~2 hours

  • Mediterranean climate with comfortable heat (not as intense as inland Spain), good public transport, and access to private hospitals.

5. Lisbon, Portugal

  • Flight time: ~2 hrs 30 mins

  • Warm but not overly hot, relaxed vibe, and beautiful hills for scenic (but low-impact) exploring. The Portuguese healthcare system is reliable and accessible.

6. Lake Geneva, Switzerland

  • Flight time to Geneva: ~1.5 hours

  • Clean air, moderate summer temperatures, and exceptional medical services. Ideal for calm, scenic holidays.

7. Dublin, Ireland

  • Flight time: ~1 hour

  • Mild climate and short travel time make it ideal. Plenty of green spaces and easy-going atmosphere.

Are Warm Conditions Better for the Heart?

Generally, moderate warmth is better for people with heart conditions than cold environments. Cold weather can constrict blood vessels and increase blood pressure, making the heart work harder.

That said, extreme heat isn’t ideal either. Hot temperatures can lead to dehydration, which thickens the blood and may increase the risk of clotting. Aim for destinations where daytime highs are between 20–28°C, and stay well-hydrated.

Final Advice

Travelling with a heart condition is entirely possible, and many people do it safely with a bit of preparation. Here’s how to do it right:

  • Get the right insurance – Make sure it covers all your heart-related conditions and medications.

  • Carry your medical documents – Including prescriptions, doctor’s notes, and a list of medications.

  • Plan around comfort – Choose destinations with good healthcare access, minimal flight stress, and relaxing activities.

  • Pace yourself – Rest often, avoid peak heat hours, and don’t over-schedule your itinerary.

With the right cover and a smart destination choice, you can enjoy a holiday that’s both safe and rewarding.