Pacemaker Travel Insurance

Finding travel insurance that suits you and your budget can be difficult if you have a pacemaker. At Fish, we have over 40 years’ experience helping people find a policy that meets their individual needs. We can take care of everything for you, too.

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For a care-free travel insurance quote

call 0333 331 3770

Travel Insurance with a pacemaker


  • 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’ve been fitted with a pacemaker and are looking for travel insurance then you might be finding you’re being quoted more than you expected. Fish Insurance has been providing specialist insurance for over 40 years and is well versed in dealing with those with pre-existing medical conditions. Our insurance offers:

  • Single and annual multi-trip cover
  • 24/7 emergency assistance
  • Covers emergency replacement of prescription medicines

What is a pacemaker?

A pacemaker is a small electrical device is implanted in the chest or abdomen to correct abnormal heart rhythms. If disrupted cardiac electrical signals cause the heart to beat too slowly (a condition known as bradycardia), too fast (tachycardia), skip a beat or stop (arrest), a pacemaker sends out electrical impulses to correct the disruption. Tens of thousands of people in the UK are fitted with pacemakers annually through a relatively simple procedure typically carried out under a local anaesthetic.

Do I need to declare I have a pacemaker fitted as a pre-existing medical condition when buying travel insurance?

Yes. If you have a pacemaker then this clearly indicates you’ve previously been diagnosed with a cardiac condition and that you are under continuing medical care to ensure your pacemaker is functioning properly. You must declare this when seeking a travel insurance quotation or you might later find your cover is invalid and your insurer may refuse a claim you submit. Without valid cover you would need settle any emergency medical bills that may arise whilst you’re abroad.

Will having a pacemaker prevent me from getting travel insurance?

Having a pacemaker shouldn’t stop you from getting travel insurance, although you may find – or already have found– that insurers might choose to charge you more or place conditions or exclusions on your cover. But by shopping around and perhaps using a company like Fish, which specialises in travel insurance for people with pre existing medical conditions, you should be able to secure effective and competitive cover.

Information and support for people who have a pacemaker

The NHS details what a pacemaker is and does, together with why you might need one fitted and even features a searchable database of clinical trials carried out across the world.  Informative videos with first person accounts detailing the fitting and impact of a pacemaker feature on the British Heart Foundation website. The BHF also offers plenty of information, advice and support for people with cardiac complaints.

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We take care of everything

For over 40 years, we’ve been helping people travel around the world without worry. Our team of experts will help find the cover you need at a price you’re comfy with.
So if you have a disability or pre-existing condition and are planning your next break, all you have to do is decide where to visit first.

Get a quote now >

For a care-free travel insurance quote

call 0333 331 3770

Key benefits at a glance

  • No age limit*
  • Single and annual multi-trip cover
  • Alternative accommodation cover
  • Cruise cover
  • Friendly UK-based claims service and specialist medical assistance
  • Covers emergency replacement of prescription medicines
  • Provides cover for a replacement carer
  • Covers a wide range of pre-existing medical conditions
  • 24/7 emergency assistance
  • Protects mobility and disability equipment, providing replacement equipment in the event of a loss

*Applies to Fish Plus One and Fish Plus Two policies only

And we don’t stop there…

We’ve answered some of the questions you may have about our Travel Insurance.

  • QDo I need to declare if I have a pacemaker fitted as a pre-existing medical condition? AYes. It's always best to declare any conditions you've been diagnosed with when applying for travel insurance, including having a pacemaker fitted. This ensures any medication you may be taking will be covered, as well as any treatment for your pacemaker you need to seek while you're away.
  • QWill having a pacemaker fitted prevent me from getting travel insurance? AHaving a pacemaker shouldn't stop you from getting travel insurance. The quote you will receive depends on any medication you're taking, and other conditions you may have.
  • QCan I travel by air with a pacemaker? AYes, many people with a pacemaker are perfectly okay to travel by air. We'd suggest consulting your GP to check it would be okay for you. If your pacemaker contains metal, you may need a letter and pacemaker card from your GP to ensure you can pass easily through airport security.
  • QWill having a pacemaker make travel insurance expensive? AThe cost of travel insurance takes into account any pre-existing conditions you may have, along with how severe they are and any treatment you may be receiving. If you have a pacemaker, your travel insurance will probably cost more than someone of the same age with no pre-existing conditions, but it doesn't mean the cost will be huge. It's always worth contacting a specialist insurer such as Fish that can help you to get the right cover at the right price.
  • QWill travel insurance cover my pacemaker if there are any problems? AYes, if you've declared your pacemaker when purchasing travel insurance this will ensure any medication you may be taking will be covered, as well as any problems with your pacemaker or treatment relating to it that you need to seek while you're away.

Travel Policy Documents

See all of our Disability and Pre-Existing Medical Conditions Travel Insurance policy documents here.

View our policy wording >