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.
A pacemaker is a small electrical device 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.
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 to settle any emergency medical bills that may arise whilst you’re abroad.
No, that is not the case 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’s partner, Ancile Insurance, which specialises in travel insurance for people with pre-existing medical conditions, you should be able to secure effective and competitive cover.
Covers a wide range of pre-existing medical conditions
No age limit*
Single and annual multi-trip cover
24/7 emergency assistance
Covers emergency replacement of prescription medicines
Provides cover for a replacement carer
Protects mobility and disability equipment, providing replacement equipment in the event of a loss
Alternative accommodation cover
Friendly UK-based claims service and specialist medical assistance
The NHS well 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.
We’ve selected a number of articles you may find interesting, click on the links below to hop on over to our content hub.
*Applies to Fish Plus One and Fish Plus Two policies only