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. AllClear Insurance is well versed in dealing with those with pre-existing medical conditions.
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 AllClear, 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.
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
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
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 related emergency medical treatment you may need while you’re away.
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 AllClear that can help you to get the right cover at the right price.
QCan I travel by air with a pacemaker?
AYes, many people with a pacemaker are perfectly okay to travel by air. We’d recommend consulting with your GP to check that you’re fit to fly. 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 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.
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.
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