Travel Insurance

Can You Get Travel Insurance with High Blood Pressure?

Travel Insurance and High Blood Pressure

Travel insurance for individuals with high blood pressure is available and can be obtained with a bit of research and careful planning.

When applying for travel insurance, it’s important to disclose high blood pressure as a pre-existing condition to ensure proper coverage. If the condition is well-controlled, in many cases, there should be no extra premium to pay to include high blood pressure cover on the travel insurance policy.

Some insurance companies offer coverage for the acute onset of pre-existing conditions such as heart attack or stroke, which can be beneficial for individuals with high blood pressure.

While the cost of travel insurance with high blood pressure may be slightly higher, it is essential to disclose the condition to avoid any claim being rejected.

It’s recommended to explore different insurance companies and their specific medical screening tools to find the most suitable and affordable travel insurance for anyone who has high blood pressure.

Pre-Existing Medical Conditions

In the context of travel insurance, a pre-existing medical condition refers to any health condition that you have been diagnosed with or received treatment for before the effective date of your travel insurance policy.

When you purchase travel insurance, the terms and coverage can vary among different insurance providers. Some travel insurance policies may exclude coverage for pre-existing conditions, while others may offer coverage with certain conditions or limitations.

It’s essential to carefully review the terms and conditions of a travel insurance policy, especially regarding coverage for pre-existing medical conditions.

Some policies may have a “look-back period,” which means they consider your medical history for a specific period before the policy’s effective date. If you have a pre-existing condition, it’s crucial to disclose it accurately during the application process to ensure that you have the right coverage and to avoid potential issues with claims.

Travel Insurance Medical Coverage

Travel insurance policies can vary widely in terms of coverage, and the specific medical coverage provided can depend on the type of policy you choose. However, most travel insurance policies typically include the following medical coverage:

  1. Emergency Medical Expenses: This coverage helps reimburse you for medical expenses incurred as a result of an illness or injury during your trip. It may include hospital stays, surgeries, medications, and other necessary medical treatments.
  2. Emergency Evacuation and Repatriation: This coverage is designed to cover the costs associated with emergency medical evacuation to the nearest adequate medical facility or repatriation to your home country in case of a serious illness or injury.
  3. Accidental Death and Dismemberment (AD&D): Some policies include coverage for accidental death or dismemberment that occurs during your trip.
  4. Trip Interruption and Trip Cancellation: While not directly medical coverage, these features can be related. If your trip is cancelled or interrupted due to a covered medical reason (such as illness or injury), the policy may reimburse you for non-refundable trip expenses.
  5. Travel Assistance Services: Many travel insurance policies provide access to a 24/7 assistance hotline. This service can help you find local medical facilities, arrange emergency medical transportation, and provide other assistance in case of a medical emergency.

Medical Screening Questions

When applying for travel insurance, especially if you have a pre-existing medical condition such as high blood pressure, insurance providers may ask specific screening questions to assess the risk. Keep in mind that the exact questions may vary between insurance companies, but most will include the following types of question:

  1. Diagnosis and Treatment:
    • Have you ever been diagnosed with high blood pressure?
    • When were you first diagnosed?
    • Are you currently taking any medication for high blood pressure?
  2. Control and Stability:
    • Is your blood pressure currently stable and under control?
    • Have you had any recent changes in your blood pressure medication or dosage?
    • Have you experienced any significant changes in your health or symptoms related to high blood pressure recently?
  3. Complications and Symptoms:
    • Have you experienced any complications related to high blood pressure, such as a stroke or heart attack?
    • Do you have any symptoms that may indicate uncontrolled high blood pressure, such as severe headaches or vision problems?
  4. Hospitalization and Medical History:
    • Have you been hospitalized for high blood pressure or any related conditions?
    • Do you have any other medical conditions that are related to or affected by high blood pressure?
  5. Lifestyle and Risk Factors:
    • Do you smoke or use tobacco products?
    • What is your alcohol consumption?
    • Are you following a specific diet or exercise regimen to manage your blood pressure?
  6. Follow-up and Monitoring:
    • How often do you have follow-up appointments with your healthcare provider to monitor your blood pressure?
    • Have you had any recent tests or assessments related to your high blood pressure?
  7. Underlying conditions:  Do you have any other medical conditions related to high blood pressure, such as heart disease, kidney disease, or diabetes? If so, how are these conditions managed?

  8. Travel destination: Where are you planning to travel? What are the specific activities you intend to participate in while there? Are there any unique health risks or considerations related to your destination and planned activities.

What is High Blood Pressure?

High blood pressure, also known as hypertension, is a chronic condition that affects millions of people worldwide. It is a major risk factor for heart disease, stroke, kidney disease, and other health problems.

What is Blood Pressure?

Blood pressure is the force of blood pushing against the walls of your arteries. It is measured in two numbers: systolic and diastolic. Systolic pressure is the force when your heart beats, and diastolic pressure is the force when your heart is at rest.

Normal Blood Pressure

Normal blood pressure is considered to be below 120/80 mm Hg. Elevated blood pressure is considered to be between 120/80 and 129/89 mm Hg. Stage 1 hypertension is between 130/80 and 139/89 mm Hg. Stage 2 hypertension is 140/90 mm Hg or higher.

Symptoms of High Blood Pressure

High blood pressure usually does not cause any symptoms. However, if it is not controlled, it can damage your blood vessels, heart, brain, kidneys, and other organs.

Causes of High Blood Pressure

The exact cause of high blood pressure is unknown. However, there are a number of factors that can contribute to the condition, including:
Genetics: If you have a family history of high blood pressure, you are more likely to develop it yourself.

  • Age: High blood pressure becomes more common as you get older.
  • Obesity: Being overweight or obese can raise your blood pressure.
  • Physical inactivity: Not getting enough exercise can also raise your blood pressure.
  • Salt intake: Eating too much salt can raise your blood pressure.
  • Alcohol consumption: Drinking too much alcohol can raise your blood pressure.
  • Caffeine consumption: Drinking too much caffeine can raise your blood pressure, especially for people who are sensitive to it.
  • Smoking: Smoking can damage your blood vessels and raise your blood pressure.
  • Certain medical conditions: Some medical conditions, such as kidney disease, diabetes, and sleep apnea, can also raise your blood pressure.

Treatment of High Blood Pressure

The goal of treating high blood pressure is to lower it to a safe level and keep it there. This can be done with lifestyle changes, such as losing weight, eating a healthy diet, limiting salt and alcohol intake, and getting regular exercise. In some cases, medications may also be needed.

Prevention of High Blood Pressure.

The best way to prevent high blood pressure is to adopt healthy lifestyle habits. This includes maintaining a healthy weight, eating a healthy diet, being physically active, and limiting salt and alcohol intake.

Safest Way to Travel if you have High Blood Pressure

The safety way to travel for individuals with high blood pressure can depend on various factors, and it’s crucial to consult with a healthcare professional for personalized advice. However, here are some general considerations:

  1. Car travel: Driving or being a passenger in a car allows you to have some control over your environment. You can take breaks when needed, control the temperature, and make other adjustments to ensure comfort. However, long periods of sitting can contribute to blood pressure issues, so it’s essential to take breaks, stretch, and stay hydrated.
  2. Train travel: Trains provide a relatively stable and smooth ride compared to some other modes of transportation. They often have more space to move around and may offer better seating options than planes or buses. However, the duration of the journey and amenities on the train can vary.
  3. Bus travel: Similar to car travel, bus travel allows for more control over your environment. However, long bus rides may involve extended periods of sitting, so it’s essential to take breaks and stay comfortable.
  4. Air travel: Flying can be a quick and efficient mode of transportation, but it comes with some considerations. Changes in cabin pressure and altitude can affect individuals with certain health conditions, including high blood pressure. It’s advisable to consult with a healthcare provider before air travel, especially for long flights. If flying, remember to get out of your seat and walk around several times during the flight.
  5. Boat or cruise travel: While travel by boat or cruise can be a relaxing experience, factors like motion sickness, changes in sea conditions, and the duration of the journey should be taken into account. Some people may find the motion of the sea unsettling.

Managing High Blood Pressure when travelling

Here are some general tips for individuals with high blood pressure when traveling:

  1. Consult your doctor: Before making any travel plans, consult with your healthcare provider. They can provide guidance based on your specific health condition and medications.
  2. Maintain medication routine: If you’re taking medication for high blood pressure, make sure you take it as prescribed. Bring enough medication for the duration of your trip, plus a little extra in case of unexpected delays.
  3. Stay hydrated: Dehydration can affect blood pressure. Drink plenty of water, especially if you’re flying, as the cabin air can be dry.
  4. Limit sodium intake: Try to avoid high-sodium foods, as excess salt can contribute to high blood pressure. This is especially important if you’re eating at restaurants or consuming pre-packaged foods while traveling.
  5. Regular breaks during travel: If you’re on a long journey, whether by car, train, or plane, take breaks to stretch your legs and move around. Prolonged periods of inactivity can contribute to blood pressure issues.
  6. Avoid excessive alcohol: Alcohol can affect blood pressure, so it’s advisable to limit your alcohol intake, especially if you have high blood pressure.
  7. Monitor your blood pressure: If you have a portable blood pressure monitor, consider bringing it with you to check your blood pressure regularly, especially if you’re traveling for an extended period.
  8. Get enough sleep: Lack of sleep can contribute to high blood pressure. Aim for regular, adequate sleep, especially if you’re crossing time zones.
  9. Choose stress-free travel options: Minimize stress by planning your trip well in advance, arriving at the airport or station early, and allowing for extra time to account for delays.
  10. Inform travel companions: If you’re traveling with others, make sure they are aware of your condition and what to do in case of an emergency.

Country Specific Information

When travelling overseas, it is a really good idea to do a bit of research about the country itself, especially information about the country’s healthcare system. This allows you to make a plan in the case of an emergency. Also any information that can affect someone’s stress levels, like types of accommodation, time zones, holiday activities etc.


What is Family Travel Insurance?

travelFamily Travel Insurance

Family travel insurance is typically a normal travel insurance policy that has been extended to include members of a family. This is usually teenagers, younger children or babies, although it can include extended members of a family as well.

This applies to single trip insurance policies, annual travel insurance policies, cruise holidays etc.

It is similar in a way to a group insurance policy, where it is easier and usually cheaper to have one policy that covers everyone, rather than individual policies.

Some insurance companies will charge extra for family members, other companies will let them be included at no extra cost depending on the number of people and their ages.

It is important to remember that each family member must be named on the policy, and all medical history disclosed for each one where appropriate. Each family member will need their own passport and it is important to check what vaccinations if any are required for any countries which will be visited.

Insurance companies may take different views as to what constitutes a family, taking into account things like whether or not the individuals live together. whether step children are involved etc.

Family travel insurance policies generally cover a range of situations, including medical emergencies, trip cancellations or interruptions, lost or delayed baggage, and other travel-related issues.

What a Family Travel Insurance Policy Covers

  1. Medical Coverage: This covers the costs of medical treatment and emergency medical evacuation if a family member falls ill or gets injured during the trip.
  2. Trip Cancellation or Interruption: This provides reimbursement for non-refundable trip expenses in case the trip needs to be canceled or cut short due to covered reasons, such as illness, injury, or other unexpected events.
  3. Baggage and Personal Belongings: This coverage protects against the loss, theft, or damage of luggage and personal items during the trip.
  4. Travel Delay or Missed Connections: Reimburses additional expenses incurred due to travel delays or missed connections, such as accommodation and meals.
  5. Emergency Assistance Services: Offers 24/7 assistance services, including access to medical professionals, travel assistance, and coordination of emergency services.
  6. Coverage for Dependents: Family travel insurance typically covers the policyholder, their spouse or domestic partner, and their dependent children. The definition of “dependent children” may vary by policy.

Some things like adventure and extreme sports will normally be excluded from the policy, but may be added on if certain family members want to take part in them.

It’s essential to carefully review the terms and conditions of a family travel insurance policy to understand what is covered and any exclusions that may apply.

The cost of the insurance will depend on various factors, including the duration of the trip, the destination, the age of the insured individuals, and the coverage limits.

Before purchasing family travel insurance, it’s advisable to compare different policies, read reviews, and ensure that the chosen policy aligns with the specific needs and circumstances of the family’s travel plans.



What is Cancellation Travel Insurance? 

travelCancellation Travel Insurance

Cancellation travel insurance is normally a part of most standard travel insurance policies  that provides cover when a trip needs to be cancelled or interrupted due to unforeseen circumstances.

This type of cover is designed to protect travellers from losing money on non-refundable expenses such as flights, accommodations, and other prepaid travel arrangements.

The policy will specify when cancellation can occur, for what reasons and what items are refundable. Special conditions will apply to cruise travel insurance.

Coverage typically includes reimbursement for cancellation or interruption due to various reasons, such as:

  1. Medical Emergencies: If you or a family member becomes ill or injured and cannot travel.
  2. Death or Serious Illness of a Family Member: If a close family member passes away or becomes seriously ill, forcing you to cancel or cut short your trip.
  3. Natural Disasters: Coverage may be provided if your travel plans are disrupted due to natural disasters like hurricanes, earthquakes, or floods.
  4. Job Loss: Some policies may cover trip cancellations resulting from unexpected job loss or job-related issues.
  5. Terrorist Incidents or Political Unrest: Coverage for trip cancellations or interruptions due to unforeseen political events or acts of terrorism.
  6. Jury Duty: If you are required to serve on a jury and it conflicts with your travel plans.
  7. Travel Supplier Bankruptcy: If a travel supplier, such as an airline or cruise line, goes bankrupt, leading to the cancellation of your trip.

It’s important to carefully review the terms and conditions of any cancellation travel insurance policy, as coverage can vary among providers.

Additionally, there are often specific conditions that must be met for a claim to be valid, so travellers should be aware of these and understand the limitations of their coverage. It’s advisable to purchase travel insurance as soon as you book your trip to ensure maximum coverage.

Trip Disruption

Travel insurance policies will normally provide some benefits relating to a trip disruption occurring as a result of events outside your control as well. The level of benefits and their inclusion does normally depend on the type of insurance policy taken out.

Cover and Benefits can Include

  • Cancelling your trip
  • Missed departure from country of originating flight
  • Delay of Flight
  • Having to abandon your flight
  • Additional Transport Costs as a result of abandonment
  • Cutting short a Trip
  • Substitute Accommodation
  • Missed Departure of Flights other than Originating Flight

What is Emergency Travel Insurance

travelEmergency Travel Insurance

Emergency travel insurance, also known as travel medical insurance, provides coverage for emergency medical expenses, including medical evacuations, while traveling internationally.

Here are some of the benefits of emergency travel insurance:

  • Peace of mind: Knowing that you have insurance coverage can give you peace of mind when you are traveling.
  • Financial protection: Emergency travel insurance can help you avoid paying out-of-pocket for expensive medical care or other emergencies.
  • Repatriation: If you become seriously ill or injured while traveling, emergency travel insurance can help pay for your repatriation back to your home country.
  • Emergency assistance: Many emergency travel insurance plans also provide 24/7 emergency assistance, which can help you find a doctor, translate languages, and get help with other emergencies.

Here are some of the things that emergency travel insurance typically covers:

  • Medical expenses: This includes the cost of doctor visits, hospital stays, medication, and other medical care.
  • Evacuation: If you need to be evacuated from a remote or dangerous location, emergency travel insurance can help pay for the cost of transportation.
  • Transportation: If your trip is interrupted due to a covered reason, emergency travel insurance can help pay for the cost of transportation to your destination or back home.
  • Other expenses: This may include the cost of lost or damaged luggage, trip cancellation or interruption, and legal assistance.

How much does emergency travel insurance cost?

The cost of emergency travel insurance will vary depending on the length of your trip, your destination, and the level of coverage you choose. However, it is typically relatively affordable, and it can be a valuable investment in your peace of mind and financial protection.

How to purchase emergency travel insurance

Emergency travel insurance can be purchased online, through a travel agent, or from an insurance company. When choosing a plan, be sure to compare the coverage and benefits of different plans to find one that meets your needs.

Here are some tips for purchasing emergency travel insurance:

  • Read the fine print: Before purchasing a plan, be sure to read the fine print to understand the terms and conditions of the coverage.
  • Consider your destination: If you are traveling to a country with a high risk of medical emergencies, you may want to purchase a plan with higher coverage limits.
  • Be honest about your health: When applying for emergency travel insurance, be sure to be honest about your health. This will help to ensure that you are covered in the event of a medical emergency.

Emergency travel insurance is a valuable tool that can help you protect yourself from the unexpected when you are traveling. By purchasing emergency travel insurance, you can give yourself peace of mind and financial protection knowing that you are covered in the event of a medical emergency or other travel interruption.

Assess the costs of treating unexpected illnesses or injuries that occur during a trip, such as ambulance services, hospital and doctor bills, and emergency dental services.

It is important to note that travel medical insurance does not cover routine expenses and is meant to protect individuals in case of an emergency.

This coverage is typically included in comprehensive travel insurance plans, but it can also be purchased on its own. It is recommended for travellers visiting countries where their primary health insurance does not apply,


Baggage Travel insurance

travelBaggage Travel Insurance

Cover for personal baggage is included in all mainstream travel insurance policies, whether they are single trip insurance or annual travel insurance plans.

Some insurance policies that are more specialized such as cruise travel insurance or golf holiday insurance may provide additional or separate types of cover, normally to include additional equipment.

Typically, baggage is covered in the sense of it being normal suitcases that are checked in and out of an airport or train station, as well as carry on luggage.

Cover will normally include loss or damage to the baggage itself, as well as what is inside the baggage such as money and travel documents and other valuables.

It is important to note that there are likely to be specific limits per item within the travel insurance policy as well as limits on specified valuables as well.

There is also an expectation by the insurance company that the individual responsible for the baggage will take all reasonable precautions to make sure it is not left unattended or damaged in such a way that could have been prevented.

The various limits for baggage and specific items will be detailed in the insurance policy document and form the basis of any acceptance or rejection of a subsequent claim.

Baggage Travel Insurance Claim

In the event of baggage being stolen or lost it is important that the local police are notified, and that a police report is issued to you and a copy sent to the insurance company.

The insurance company may also want a written report from your travel provider that details the reported loss.

The insurance company is also likely to want proof of ownership and value of any items that are claimed to have been lost or stolen. This can sometimes be quite a contentious area if items are quite old or to difficult to establish proof of value.

An insurance company will accept something such as a receipt for proof of both ownership and value. In other situations, it might be necessary for the policy holder to have a valuation done before travelling to prove how much something is worth.

It is worth making the point that it is always a good idea to consider if it is really necessary to travel with items of real value or items that are difficult to replace.

If there is a claim for a loss or theft of a smartphone, cell phone or any type of device that has a service provider attached to it, the insurance company will want proof that the service provider has been contacted and asked to discontinue the service. This is to make sure that no additional charges occur onto the theft or loss has happened.

If money or travellers cheques have been lost or stolen, the insurance company will want evidence that this money was withdrawn or bought prior to the loss or theft occurring.

Damaged Baggage

Quite often baggage can be damaged or lost in transit during a plane flight, and this is one of the most common claims under travel insurance policies.

Property Irregularity Report

If this happens and is noticed during  baggage reclaim, it is important that the policyholder obtains what is known as a property irregularity report from the airlines in order to prove the loss or damage occurred and is a valid claim under the policy.

It is also important to keep the luggage tags which were attacked to the boarding pass when the luggage was checked in.  This can be a useful document when submitting a travel insurance claim. It is also a good idea to photograph the damage that has been caused to the baggage and ideally use a digital timestamp.

If compensation is going to be claimed from the airline itself then there are normally strict date guidelines as to how long someone has in order to submit a claim. This can often be a short as seven days and needs to be strictly adhered to.

Lost or Delayed Baggage

If the luggage or package is not at  baggage reclaim and appears to have been lost or mislaid, again the airline may be responsible. It is important to notify this to airline staff in the baggage hall before leaving the hall or the airport and take a note of the baggage reference number and to get a copy of the subsequent airlines report.

Baggage Claims

Lost or damaged baggage may be claimable under an airline compensation scheme, or maybe recoverable under your travel insurance policy. What is important to note is that it cannot be claimed under both, as that would effectively be an act of fraud.

It is possible that the insurance company would request or instruct you to try and collect off the airline first, and then only claim under the policy if that proves difficult to do.

It is also possible that the insurance companies may just settle your claim and then try and reclaim the money from the airline on your behalf.