If you have had a heart bypass you must take travel insurance when you go on holiday or travel abroad and declare this at the time you apply for the travel insurance just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high especially for cardiology. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people who've had a heart bypass
Travellers with a heart bypass have in the past paid significantly more for their travel insurance as those with a heart bypass, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have a heart bypass, but for the same person with a heart bypass, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with a heart bypass might also suffer with another condition. In our example the premium would still be £36.41 assuming the applicant was taking 2 additional medications for high blood pressure.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
Heart bypass and travel insurance
Coronary artery bypass surgery
, also coronary artery bypass graft surgery
, and heart bypass
or bypass surgery
is a surgical procedure performed to relieve angina and reduce the risk of death from coronary artery disease. Arteries or veins from elsewhere in the patient's body are grafted to the coronary arteries to bypass atherosclerotic narrowings and improve the blood supply to the coronary circulation supplying the myocardium (heart muscle). This surgery is usually performed with the heart stopped, necessitating the usage of cardiopulmonary bypass; techniques are available to perform coronary artery bypass graft surgery on a beating heart, so-called "off-pump" surgery.
All of the factors relevant to the heart bypass details will be taken into account when you apply for travel insurance with heart bypass to ensure the policy will provide the cover you need abroad.
And finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.