If you’ve had a stroke and are planning to journey overseas it’s important you have proper travel insurance protection – but finding it may not be easy.
A stroke is caused when the brain is deprived of blood, either when a blood vessel bursts (haemorrhagic stroke) or, more commonly, when a clot forms (ischaemic stroke) in a main artery which supplies the brain. Symptoms vary and include facial drooping, dizziness, confusion, slurred speech, loss of balance and weakness or numbness of the arms. People can also suffer transient ischaemic attacks – sometimes called “mini strokes” – which whilst less severe can indicate risk of a full stroke.
Yes, you must. If you do not disclose your diagnosis then should you have a stroke whilst abroad then your insurer might refuse to settle any claim for emergency medical treatment and other costs such as holiday curtailment or medical repatriation to the UK. If you have a medical emergency that is not a stroke you may still find your insurer regards your non-disclosure as a reason to invalidate your cover, eg. if that emergency is related to hypertension.
No, whilst having any pre-existing medical condition can make it more difficult to find cheap travel insurance, you should not be refused cover. If you’ve had a stroke an insurer might regard you as being a higher risk and ask you to pay a higher premium or put specific restriction on the cover they offer you. A specialist broker like Fish should be able to help you find insurance appropriate to you and at a competitive price.
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 Stroke Association publishes an extensive library of publications which detail what strokes are, how to recognise their symptoms and what to do, the physical and emotional impact of strokes and much more. It also offers local support services, forums and runs a Life After Stroke Centre. You’ll also find details of the FACT (Face-Arms-Speech-Time) protocol detailing how to recognise symptoms and react, plus more about causes and treatments on the NHS website.
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*Applies to Fish Plus One and Fish Plus Two policies only