Important Information About Our Policies
Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or "all but essential" travel.
Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section. Click here for more information.
Arrhythmia Travel Insurance
If you have Arrhythmia and have an irregular heartbeat, you should declare this before travelling and purchasing a Travel Insurance policy that will cover this condition.
To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or 01273 773 017.
- Summary of Cover
- Travel Insurance Extras
- Medical Questions
- Types of Arrhythmia
- Treatment for Arrhythmia
- Travel Advice
- Useful Website
- Important Information
Summary of Cover
|Section & Cover||Silver||Gold||Platinum|
|Cancellation or Curtailment||-||£2,000||£5,000|
|Medical and Repatriation||£10,000,000||£10,000,000||£10,000,000|
|Failure of Carrier||£1,500||£1,500||£1,500|
*The excess payable does vary depending on the claim benefit.
Travel Insurance Extras
|Extension Benefit||Europe (per person)||Worldwide (per person)|
Extends your policy to provide cover if you miss your pre-booked connecting Aircraft, Watercraft or Train as a result of the cancellation, or delay of 3 or more hours, on your initial international outward or return journey, due to adverse weather, mechanical breakdown or technical fault.
The policy provides cover up to £500 for additional transportation and/or accommodation expenses incurred to enable you to join your connecting Aircraft, Watercraft, Train or Motor vehicle or to get you to your pre-booked final destination.
We will pay up to £1,000 for the intrinsic value or cost of repair of your Gadgets (maximum £500 per Gadget), which are lost, stolen, damaged or destroyed whilst you are away on your trip. Unauthorised calls if your mobile phone is stolen up to £75
We can cover the following Gadgets: Mobile phones, ipads and tablet computers, e-readers, sat nav, ipods and MP3 players, cassette players/CD players, computer games machines and any equipment used with them such as CDs, games, tapes, cassettes or cartridges.
You must take reasonable care of your Gadgets and not leave them unattended in a public place. You must own the item and be able to provide proof of ownership. Allowance will be made for wear and tear and depreciation
Covers your portion of prepaid, irrecoverable transport, accommodation, foreign car hire costs and prepaid excursions up to a maximum of £2,000 (excursion limited to £250) should you not wish to travel due to an act of terrorism occurring prior to your outbound travel date and within a 40 mile radius of your booked accommodation.
If you have already travelled, your portion of prepaid, irrecoverable, accommodation, foreign car hire costs and prepaid excursions and either your pre-booked return travel costs, or the cost of your curtailment travel costs, whichever is the greater up to a maximum of £2,000 (excursion limited to £250) should you wish to return home due to an act of terrorism occurring within a 40 mile radius of your booked accommodation.
Epidemic or Pandemic Travel Restriction
£50 for each full 24 hour period up to a maximum of £500.
A benefit payable if, when you are abroad, you are prevented from leaving a country due to restrictions in travel caused by an epidemic or pandemic and will help with the cost of additional accommodation and living expenses.
The cover is not applicable under the following circumstances; You are travelling against Foreign Office or World Health Organisation advice or you have travelled to an area where the possibility of an epidemic or pandemic occurrence has already been announced.
When obtaining a quote for Travel Insurance to cover Arrhythmia, you will be asked a number of questions.
- Have you had an Ablation Procedure ?
- How many unplanned hospital visits for your irregular heartbeat have you had in the last 12 months ?
- Do you have any further investigation or treatment planned ?
- Are you on medication to thin the blood (not including aspirin) ?
- Has your heart rhythm ever caused collapses, faints or blackouts ?
- Have you ever had Angina and / or a Heart Attack ?
- Have you been prescribed any treatment for heart-related breathlessness or ankle swelling ?
- Have you ever had a Stroke or a Mini Stroke (TIA) ?
- Have you ever been a smoker ?
When you have answered these questions, the quote will provide cover for the Arrhythmia and any other pre existing medical conditions you might have.
Types of Arrhythmia
Atrial Fibrillation: The heart contracts at a very high rate and in an irregular way. This is the most common type of Arrhythmia.
Bradycardia: The heart beats irregularly or more slowly than normal
Ventricular Fibrillation: A rapid and disorganised rhythm of heartbeats.
Supraventricular Tachycardia: A heart rhythm disorder with periods of an abnormally fast heart rate.
Treatment for Arrhythmia
To diagnose Arrhythmia, the most effective way is by having an Electrocardiogram, otherwise known as an ECG.
If the ECG is inconclusive or does not detect any abnormalities, you may need to take home a small portable recording device which you wear for up to 72 hours.
This is useful as it monitors your heartbeat constantly over 1 to 3 days, giving a more accurate account of your heart rhythm. In the case of Atrial Fibrillation, you may also need a chest x-ray and blood tests for further diagnosis.
Depending on which type of Arrhythmia condition you have, your Doctor may advise surgery. There are 5 main types of procedures:
- Cardioversion - Using a controlled electric shock to your chest from a defibrillator to help restore your heart back to its usual rhythm
- Implantable Cardioverter Defibrillator - Similar to a pacemaker
- Pacemaker - A small implantable device where electrical signals are sent from the pacemaker to your heart to stimulate it to beat at a specific rate
- Catheter Ablation Therapy - Insertion of a catheter into the heart via the groin. Heat or freezing treatment is then used to destroy the area which is causing the abnormal heart rhythm.
- Ablation of the AV node - A pacemaker is usually fitted before this procedure is carried out.
Please ensure that you bring an adequate supply of medication on your holiday with you. It is best to keep medication in hand luggage in case of flight delays and the chance of lost or delayed luggage.
Those fitted with a Pacemaker should carry their ID Cards with them as some devices with metal casings may set off detectors in Airports.
Before you leave the country, it is important to purchase a Travel Insurance policy that will cover your Arrhythmia or any other pre existing medical condition you may have.
This Travel Insurance is provided by goodtogoinsurance.com. Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, Registered Address: Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ. Authorised and regulated by the Financial Conduct Authority - No. 471641.