Insurance for heart conditions

Finding insurance, in particular travel insurance, can be difficult when you have a heart condition or are recovering from a heart attack or heart surgery.

We know how frustrating this can be and so we have compiled some information about a number of insurance companies, gathered from feedback from people who have a heart condition.

We don't work with or endorse any of the companies mentioned and we can't guarantee that they will be able to offer insurance to everyone - however, this may prove to be a good starting point.  

How do I answer the medical questions that insurance companies ask?

The health declarations that insurance companies ask for are often very detailed, particularly about your past and present health conditions and medications.

It is really important therefore to declare all your past and present health conditions because making a mistake or omission could unfortunately result in any claim made being refused.

It is a good idea to talk to your GP before purchasing an insurance policy as they will be able to help you answer the medical questions about your health.  

What can I do if I can't find travel insurance?

The Association of British Insurers may be able to help if you are finding it difficult to get travel insurance. 

What if I have a complaint?

If you have any complaints or think you have been treated unfairly as a result of a policy claim, the Financial Ombudsman Service are there to help you.

Will a European Health Insurance Card (EHIC) cover my heart condition?

The EHIC can entitle UK citizens to free or reduced-cost medical treatment in those countries. While it is important to have a European Health Insurance Card (EHIC) when you're travelling in most European countries, it doesn't replace travel insurance so it's important to have both.  

You can apply for an EHIC online on the NHS Choices website or through the Post Office. For a full list of the countries covered by an EHIC and more general information, contact the Department of Health.

If you need oxygen supply services while you are abroad, contact the Department of Health's Customer Service Centre on 020 7210 4850 for more information.

What if I want to go abroad for medical treatment or surgery?

An E112 may give you the option of undergoing medical or surgical treatment in other EU countries. You can find more information in the Department of Health's booklet Health Advice for Travellers.  

We want your feedback

We welcome your feedback about insurance. You can email us or write to us:

British Heart Foundation
Heart Helpline
Greater London House
180 Hampstead Road
London
NW1 7AW