Royal London offers quite comprehensive travel insurance but, as with any similar product, things get a little more complicated if the policyholder has suffered a heart attack. Fortunately, with PayingTooMuch, it helps to compare different travel insurance plans to get the right plan that will cover your medical history and make your trip, worry free!
Having a heart attack is a cardinal health crisis, and having the right insurance relieves the individual from financial distress when they are outside their country or inside. To get the best of the policy it is essential that one learn how pre existing conditions influence coverage and what can be done to influence the cost of your insurance.
Why Choose Paying Too Much for Your Travel Insurance?
When it comes to choosing travel insurance after a heart attack, PayingTooMuch offers a platform that stands out for multiple reasons:
Trusted by Users: Listed as the leading travel insurance price comparison site on Trustpilot*, PayingTooMuch is an excellent resource for real travel insurance rates and simple, easy to use comparison tools.
Specialized in Pre-Existing Conditions: Pre-existing medical conditions, heart conditions included, are no longer an issue for coverage. PayingTooMuch guarantees that every person, who had a heart attack, may receive necessary insurance for an adequate amount.
Award-Winning Comparison Service: For three successive years, PayingTooMuch has merited honours for its effective and clear comparative pricing system.
Outstanding Customer Reviews: Since its inception PayingTooMuch travel insurance comparison site has received over 75 000 four and five-star reviews on Trustpilot.
Choosing PayingTooMuch means you’ll have access to a wide range of options and the ability to make an informed decision, helping to protect yourself during your travels.
Can you get travel insurance once you’ve had a heart attack?
Yes, you absolutely can! Travel insurance can be especially challenging for heart attack survivors to obtain after an attack – but not with PayingTooMuch. Whether your heart attack was a while ago or happened recently, you need to report this to your insurance company. That being the case, if you fail to, then your insurer may not be bound to honor any claim that results from complications of your heart condition.
In other words, the secret to making sure you get appropriate coverage is to be as clear as possible. Being an online tool, the medical screening when using PayingTooMuch is easy to undertake.
Travel insurance after heart attack: What does it cost?
The cost of travel insurance after a heart attack will depend on some factors that have been discussed above. PayingTooMuch enables customers to make the right decision to select the right provider with the best price for their particular circumstances. Below are some key factors that influence the cost of your travel insurance:
Medical Conditions: If for instance you have a chronic disease like a heart attack, then probably your premiums will be considered higher. This is because you may be at higher risk of needing medical treatment while travelling. On PayingTooMuch site, you can easily locate a plan that will cover your heart condition and costs a reasonable price.
Destination: Purchasing insurance to respond to healthcare when in certain places is pricey, or to protect against natural disasters that are common in certain regions also contribute to insurance costs. PayingTooMuch always helps you to find the lowest price by simply specifying the travel destination.
Activities: The cost is also likely to be high if the client participates in risky activities such as winter sports. If you are to engage in such activities, then it’s possible for you to get the right policy by comparing through PayingTooMuch
Trip Length: But in terms of insurance prices, it is found that tours of longer durations corroborate by attracting higher insurance prices. With PayingTooMuch you will be able to compare various policies and change the type of coverage depending on the length of the trip.
Level of Cover: It was also found that the extent of cover offered by the policy has an impact on the cost, the higher the extent of cover the higher the cost of the policy. However, it should be appreciated that you should pay attention to the fact that your policy should be beneficial to you. As you will see PayingTooMuch guides you to a reasonable price range that fits into your budget and provides you adequate insurance.
Age: Travel insurance cost can also be affected by age. You are likely to attain a higher premium based on age, the older you are the more likely you are to develop some health complications. The thing that PayingTooMuch focuses on is offering insurance for the elder travelers of the age of 50+ and 60+ and 70+.
What is Covered by Heart Attack Travel Insurance?
If you’ve had a heart attack, don’t worry – affording affordable travel insurance is still possible. Many insurance providers, including those available through PayingTooMuch, offer policies that cover the following:
Medical Emergencies (Including Repatriation): Any kind of medical attention you may need while on tour will be provided for and if needed, transportation to your home country will also be taken care off.
Cancellations: It even covers the eventuality of cancellation due to your declining health or a deterioration of the same, in as much as it will pay for consumed expenses such as tickets and accommodation.
Travel Disruptions: You do not have to worry about the expenses of either delay or cancellation of a trip because of health reasons or any other natural conditions like weather conditions.
Accidental Injury or Damage: Personal accident and property cover would cover you or your companions in the event of an accident, or if items you have with you are destroyed.
Baggage and Personal Items: If your bags are lost, stolen, or damaged, then reimbursement in full is made for all personal effects in the bag.
The main thing you need to focus on when obtaining travel insurance after a heart attack is to assure that the heart attacks are included in the insurance policy.
Policies found through PayingTooMuch can be tailored to fit these specific needs.
What Travel Insurance Does NOT Cover If You Had a Heart Attack?
What happens when something goes wrong? Most travel mishaps are covered by travel insurance and here are some of those instances that are not covered. It also useful to understand these exclusions to avoid confusion if a claim has to be made. Typical exclusions for heart attack sufferers include by PayingTooMuch:
Traveling Against Medical Advice: If prior to the journey the doctor has recommended against travel because of health issues, then most insurance policies will have exclusions from covering health problems which occur during the journey.
Failure to Get Recommended Vaccinations: Some destinations offer mandatory vaccinations, failing to present the necessary proof for the shots lost may see you lose your coverage.
Routine Treatments: It is crucial not to misunderstand travel insurance, because it never comes with coverage of ongoing treatments including dialysis, chemotherapy or any other regular treatment that one might require at home.
Pre-Arranged Medical Treatments: If your trip is taken with the purpose of getting treatment that has been prior arranged, this will not be compensated by most plans.
Health Conditions Not Disclosed: Any attempt at hiding some of the health conditions can lead to a refusal of cover. I want to remind every person to reveal the History of the heart attack and other problems connected with heart attack while applying for the travel insurance.Knowledge of such exemptions will assist enhance the possibilities of your journey since they’re crucial in preparing for a trip.
Whenever you decide to travel and use PayingTooMuch to book your travel insurance, ensure that you read all the policy’s small prints.
Secure Your Travel with Confidence
However, traveling after a heart attack is not something people should take lightly, but thankfully with PayingTooMuch ensuring that traveling does not have to result in finding new insurance that is right for you is simple. Comparing a variety of policies, you will select the right one, which is appropriate for your health state and pocket.
PayingTooMuch allows you to compare and purchase travel insurance that covers medical emergencies, trips cancellations, baggage, and other important insurance factors.
