Traveling With Angina: Insurance
If you have angina and you’re thinking of going on holiday, you might find it difficult to find the necessary insurance. In fact, in most cases, you will have to use a specialist insurer that deals with medical conditions. The high-street insurers will offer you insurance, but they will exclude the angina from cover. However, don’t worry, because there are insurance companies that will offer you insurance. Here, we’re going to consider various factors when choosing a travel insurance company if you have angina.
Do you really need extra insurance? If your angina is well managed, you might not fall in while abroad. However, having insurance will give you the peace of mind to relax safe in the knowledge that, if the unexpected happens, you will receive the necessary medical treatment. If you don’t have insurance, and it’s a pre-existing condition, you will not have cover. Specialist travel insurance for angina will cover you if you fall ill abroad, and if you run out/lose your medication, but also if you fall ill before the trip and have to cancel.
What will the insurer want to know? When you contact the specialist insurer, they will ask you a few questions. These questions are designed to work out how much insurance you require. It’s important to be honest when answering questions because failure to do so may invalidate your insurance. Questions they will ask include:
- Have you ever had a heart attack?
- What is your treatment plan? What medication are you taking? Do you have a shunt, or are you expecting to get a shunt in the near future? Have you had a bypass?
- How long have you had angina?
- Is the angina well controlled? When was the last bout?
- Do you get pain when resting?
- Do you have any other associated conditions, such as high blood pressure?
By answering the questions honestly, you will ensure that you receive the most comprehensive insurance package and will not invalidate the insurance.
However, you also need to be aware that the answers you provide to these questions will dictate how much cover you receive and how much you will have to pay for your insurance premium. Sometimes, people are less than honest with the things that they disclose to their insurance companies, but this will result in problems if you need to use the insurance.
Another thing that will affect the cost of your premium is the country that you visit. Different countries have different standards of care. So, if you fall ill and the only option is a low quality hospital, the insurance company may need to fly you out of the country. Clearly, this is very expensive, and so adds to the premium. Alternatively, you could fall ill in a country that provides excellent health care at a low rate, in which case your insurance policy will be cheaper. There are many different types of health system around the world, and the insurer will calculate the cost of insurance based, in part, on the country you’re visiting. If you find the insurance expensive, it may be worth considering another destination. It could be that insurance for a neighbouring country is a third of the price, but you still get to see the same scenery.
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