If you have Cardiomyopathy and need travel insurance, we may be able to help!
Remember
- Tell your insurer about any pre-existing medical conditions to make sure you’re fully covered
- Consider covering everyone travelling in your party in case you have to cancel
- Take a copy of your travel insurance documents with you
If you have been diagnosed with any of the four main forms and wish to holiday abroad then you might be finding it difficult to source travel insurance you can afford, or that covers your heart muscle disease. Cardiomyopathy is among many pre-existing medical conditions which are not covered by popular ‘off-the-shelf’ travel insurance policies. Thankfully specialist brokers like AllClear Travel Insurance are experienced in sourcing effective, appropriate and competitively priced insurance for people with both short and long term (chronic) health conditions.
What is cardiomyopathy?
Cardiomyopathy is a generic term for a disease which prevent the heart working properly due to the hardening, thickening or distending of its muscles. It takes four main forms:
- Dilated cardiomyopathy – where the heart muscles have become stretched and therefore cannot efficiently pump blood. People with this condition are at greater risk of suffering heart failure.
- Restrictive cardiomyopathy – a rare condition which results in reduced blood flow as the heart is unable to properly fill with blood. It is caused when the heart’s walls harden and become inflexible.
- Arrhythmogenic right ventricular cardiomyopathy – a condition caused by the death of healthy heart muscle cells which are then not reproduced but replaced by fatty, stringy tissues. This results in the opposite to restrictive cardiomyopathy; the heart walls become thin and stretched and the organ is unable to effectively pump blood.
- Hypertrophic cardiomyopathy – where the chambers of the heart cannot hold enough blood to maintain normal function due to a thickening of their walls and enlargement of cells. Its impact varies with the condition sometimes asymptomatic, but it can be serious.
Do I need to declare cardiomyopathy as a pre-existing medical condition when buying travel insurance?
Yes. It is imperative that you are honest and declare your cardiomyopathy and any other pre existing heath conditions for which you have received a diagnosis. If you don’t then your insurer may choose to refuse to settle any claim you later make on the very travel insurance policy you bought to protect yourself whilst travelling.
Will having cardiomyopathy prevent me from getting travel insurance?
Whichever form of cardiomyopathy you have, you should still be able to buy travel insurance. You might find though that whilst insurers will offer you cover, it may exclude this condition, or they may charge you more for your policy than someone without such a pre-existing medical condition. However, because AllClear is a specialist broker, they are able to source effective and highly competitive travel insurance for people who have been diagnosed with a variety of cardiac complaints.
Information and support for people with cardiomyopathy
Advice, information and support specifically for those affected by cardiomyopathy, including specialist nursing, is provided by the charity Cardiomyopathy UK. For expert commentary on the causes, symptoms and treatments for cardiomyopathy, see the NHS website.
AllClear take care of everything
Here at Fish Insurance, we’re proud to be working with travel experts AllClear Travel to provide you with cover for your next trip. AllClear’s team of experts will help find the cover you need at a price you’re comfy with. So if you’re planning your next break, all you have to do is decide where to visit first.
To get a quote or manage your policy call
Key benefits of AllClear’s cover*
- No age limits
- 1300+ conditions covered
- ‘Superior’ Covid cover** (includes return flight costs if you’re forced to stay due to Covid-19)
- Up to £15m medical emergency expenses cover
- 24/7 English-speaking medical emergency helpline
- Up to £25,000 for cancellation and cutting your trip short
- Up to £3,000 for your baggage
- Up to £500 travel delay cover
- Up to £1,000 optional cover for travel disruption
- Up to £2m personal liability cover
*All figures are per person and per trip
**Covid cover rated ‘Superior’ by a leading independent UK Consumer Champion in 2021
AllClear cover a range of pre-existing conditions
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
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QCan I get travel insurance for cardiomyopathy?
AYes, cardiomyopathy should not stop you being able to get travel insurance. The quote you will receive depends on any medication you’re taking or other conditions you may have.
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QCan I fly with cardiomyopathy?
AYes, many people with cardiomyopathy are perfectly okay to travel abroad. We’d suggest consulting your GP to check it would be okay for you. If you need to bring extra luggage, most airports have services that will help you to transport your luggage around the airport, but make sure to let them know you’re coming in advance. It’s important to let the airline know about your cardiomyopathy so they can be prepared for your arrival and ensure they are prepared to carry out emergency medical treatment during the flight if necessary.
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QWill having cardiomyopathy prevent me from getting travel insurance?
AHaving cardiomyopathy shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your cardiomyopathy, any medication you’re taking, and other conditions you may have.
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QDo I need to declare any cardiomyopathy when getting travel insurance?
AYes. It’s essential to declare any conditions you’ve been diagnosed with when applying for travel insurance, including cardiomyopathy. This ensures any medication you may be taking will be covered, as well as any emergency medical treatment you may need while you’re away.
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