Travel Insurance for Atrial Fibrillation
Living with atrial fibrillation doesn't mean your travel options should be limited. We compare travel insurance from our panel of UK insurers who take heart conditions seriously, so you can find cover that reflects your health rather than excludes it.
- Specialist Travel Insurance for atrial fibrillation
- Simple medical screening
- Single trip or Annual Multi Trip options
- Cover for several pre-existing heart conditions
Can I Get Travel Insurance if I Have Atrial Fibrillation?
Yes. Having atrial fibrillation (AFib) doesn’t rule you out of travel insurance. At Just Travel Cover, we compare policies from a range of insurers who provide cover for pre-existing heart conditions, so you can find the right holiday cover for your medical needs.
According to the British Heart Foundation, atrial fibrillation is one of the most common heart rhythm problems in the UK. Because AFib is a pre-existing medical condition, it must be declared when you take out travel insurance. Not declaring it, even if your symptoms feel mild or well controlled, can mean a claim is later rejected.
Is it Safe to Travel With AFib?
For most people, a diagnosis of atrial fibrillation isn’t a reason to rule out travel. Though if you have concerns about travelling with your current symptoms, speak to your doctor or cardiologist.
When travelling with any pre-existing medical condition it’s important to choose the cover that suits your needs, so you have peace of mind should you need medical support while you’re away. We support you by taking you through a medical screening online or by phone, and showing you the cover options that meet your medical requirements.
Our Expert Says
“Many people travel safely and confidently with pre-existing conditions like atrial fibrillation. We ensure you are shown policies that cover you for any medical conditions you have declared. Taking time to declare your condition properly and choosing insurance that’s genuinely built around it is the single biggest thing you can do to protect yourself, alongside following any advice from your doctor.”
Amy Smith
Customer Experience Executive at Just Travel Cover
What does Atrial Fibrillation Travel Insurance Cover?
Typically included:
- Emergency medical treatment up to £10 million for your AFib and any other declared conditions
- Medical repatriation to the UK, if necessary (limits apply)
- Cancellation cover – up to £50,000 per person (limited to £100,000 per policy) upon referral (including if your condition changes before travel)
- Curtailment cover up to £12,500
- Cover for lost, stolen or damaged luggage and medication (up to £3,500 per person)
- 24/7 emergency medical assistance
- Smart Luggage: Add extra protection for your luggage (included on Gold tier policies)
Typically not covered:
- Undeclared medical conditions
- Choosing not to travel for reasons unrelated to your health
- Travel against Foreign Office (FCDO) advice
- Claims below your policy excess
- Trips longer than stated
Because exact limits and exclusions vary by insurer, always read the policy wording to understand the specific cover you’re offered.
Managing another medical condition?
Many people living with atrial fibrillation also experience related conditions. Rather than needing separate policies, you can declare everything in one screening and we’ll compare insurers who can cover the full picture across:
Tips for Travelling with AFib
Before you go:
- Discuss your specific trip with your doctor or cardiologist, particularly if you’re heading somewhere with extreme heat, cold or altitude
- Pack more medication than you think you’ll need, in hand luggage, in its original packaging, with a copy of your prescription
- Take your travel insurance documents (digital or paper) with you, including the emergency medical helpline number
During travel:
- Stay hydrated – dehydration is a common trigger for AFib symptoms, especially on flights and in hot climates
- Move regularly on long journeys to reduce blood clot risk; ask your doctor whether compression stockings are advisable
- If you have a pacemaker, flag it to airport security in advance and carry your device ID card
Know your medication times if you’re crossing time zones
Note: We cannot provide medical advice. Always follow guidance specific to you from your own doctor or cardiologist.
Our Content is Reviewed by Experts
It’s crucial that you receive accurate information on travelling with a medical condition. Our specialist travel insurance team regularly reviews our published content to ensure the information you receive is up to date with industry guidance.
Authorised and Regulated
It’s crucial that you receive accurate information on travelling with a medical condition. Our specialist travel insurance team regularly reviews our published content to ensure the information you receive is up to date with industry guidance.
Travel Insurance with Atrial Fibrilation FAQs
Do I have to declare atrial fibrillation every time I buy travel insurance?
Yes. Every time you take out a new policy or renew, even if your last policy covered it without issue and your symptoms haven’t changed.
Will atrial fibrillation make my travel insurance more expensive?
The cost of your policy depends on factors such as how your pre-existing conditions are managed, your age, and your travel destination. Comparing a panel tends to find the best-priced cover for the your required level of protection.
Can I still get cover if I have a pacemaker or have had an ablation?
In most cases, yes, provided your doctor confirms you’re fit to travel – you’ll be asked about your treatment history as part of your medical screening.
Will my AFib medication be covered if it's lost or stolen?
Many policies include cover to replace lost, stolen or damaged prescription medication. Always carry medication in hand luggage, along with a copy of your prescription.
Is arrhythmia the same as atrial fibrillation?
Atrial fibrillation is a specific type of arrhythmia, but not all arrhythmias are AFib. It’s important to declare your specific diagnosis, rather than a general term, when getting a quote.
Can I fly with atrial fibrillation?
Most people with stable, well-managed AFib can fly. Always follow your own doctor’s advice, and make sure your condition is declared on your policy so you’re covered if something changes during your trip.
Is there an age limit on AFib travel insurance?
We provide policies with no upper age limit through our panel, so you can see which policies are available for your age and medical conditions.
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