Arrhythmia Travel Insurance
If you have Arrhythmia and have heart rhythm problems, you will need to declare this before purchasing a Travel Insurance policy.
This sometimes serious medical condition occurs when the electrical impulses that regulate a person’s heartbeat are not regular. This results in the person’s heart beating irregularly, too fast (more than 100 beats / minute) or too slow (fewer than 60 beats / minute). Arrhythmia does not have any symptoms, but whenever there are symptoms, they include fainting, and palpitations. Heart rhythm problems are often harmless, although certain types can be life threatening.
JS Travel Insurance can now provide cover for your Gadgets, such as Mobile Phones, Tablets and Computer Game Consoles. You will be able to select this cover on the quote page of our website.
JS Travel Insurance provides cover for Residents of the United Kingdom and the Channel Islands.
If you are a Resident of the Republic of Ireland, and you need to declare Arrhythmia.
Please check the Terms and Conditions for any Restrictions or Exclusions.
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|
When obtaining a quote for Travel Insurance to cover this condition, 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 ?
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.
In all cases, Arrhythmia causes palpitations, dizziness, breathlessness and sometimes blackouts. Common causes are stress, tobacco, alcohol, caffeine and cough and cold medicines.
If you have suffered a Heart Attack, you could be at risk of developing Arrhythmia due to the tissue damage to the heart.
Treatment of 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.
There are several treatment options depending on the type of Arrhythmia you have. With Atrial Fibrillation, you will most likely be prescribed blood thinning medication to reduce your risk of any clots forming due to the abnormal heart rhythm.
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.
Travel Advice with Arrhythmia
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 luggage.
Those fitted with a Pacemaker should carry their ID cards with them as some devices with metal casings may set off medical 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.