If you’re planning a holiday and have been diagnosed with Angina, you may find difficulty in obtaining adequate insurance with a travel insurance provider. This is because many travel insurance companies will decline cover for angina related conditions. You will therefore need to identify a provider who specializes in finding travel insurance solutions for people living with pre-existing conditions.
Taking out taking out travel insurance, which includes cover for your angina, would ensure that you can travel with the peace of mind, knowing that you are covered for any eventualities related either directly or indirectly to your medical condition. This would include cover for an Angina attack either whilst traveling or prior to the trip causing cancellation, loss of medication or other medical problems arising from the Angina.
Upon contacting a relevant insurer you will be asked a series of questions in order to assess whether they can offer cover and if so at what price. These questions will vary from insurer to insurer but generally they will need to know the following:
- How the Angina has been treated i.e. with a stent or bypass or if you are awaiting a procedure or any other treatment
- Whether you have had a heart attack
- How long ago was the Angina diagnosed
- If you get chest pain or breathlessness whilst walking and/or resting
- If you are also being treated for high blood pressure or high cholesterol
The answers provided by an applicant will have an impact on the premium charged. However the price is not based on the medical assessment alone. Insurers also take into account the area of travel (which influences how much it will cost to treat someone if they fall ill within the chosen destination and how much it will cost to bring them back if this proves necessary). The length of the trip is also taken into account as there is more chance of a problem occurring on a longer trip than a short one. The age of the applicant and also the length of time prior to travel can also affect the final premium.
Once you have your quote, you may decide to compare it with other insurance policies but just remember that the cheapest may not always represent the best value for money. Often, policy benefits and service levels are restricted on less expensive policies
There is no legal requirement that requires you to take out additional insurance for your angina, it is down to you as an individual to decide whether you want cover or are prepared to take on the risk yourself.
For further information about travel insurance for angina related conditions please refer to our website www.travelinsurancehelpline.com where you will find help and advice for people living with pre-existing medical conditions who are seeking comprehensive travel insurance cover.
Miles Barker, operations director at Freedom Insurance, with over 10 years experience in the field of travel insurance. Freedom insurance specializes in offering travel insurance for people that have pre-existing medical conditions. For information and advice regarding travel insurance please refer to our website www.travelinsurancehelpline.com