High blood pressure shouldn’t stop you from travelling the world and visiting all the destinations you’ve long dreamt about. But before you embark on any international journey, it’s essential that you have an adequate level of travel insurance cover in place, and you’ll need to satisfy a few conditions in order to qualify for travel insurance for high blood pressure.To get travel insurance cover for high blood pressure you'll need to: General conditions Depending on the policy, you may have to meet one or more of these conditions:Your hypertension must be stable and managed by your doctorYou must have no known heart or cardiovascular conditionsYou must not also suffer from diabetesYou must have not had any changes to your medication within the past 12 monthsYou must not be suffering any symptoms of, or be undergoing investigations into, your high blood pressureYour current blood pressure reading must be within acceptable ranges *According to the Department of Health & Human Services, State Government of Victoria, a normal reading is between 90/60 and 120/80.
You should however, check with the insurer as its definition may differ. How do insurers define high blood pressure?Do I need to tell my insurer if I have high blood pressure?How do I disclose my condition?Can I get cover if I’m on medication for high blood pressure?Am I covered if I've had a heart condition in the past? Am I covered if I've been hospitalised in the past?What happens if I'm hospitalised on my trip?Can travel insurance on my credit card cover me?Tips for travelling with high blood pressureExclusions: When won’t you be covered Insurance providers define hypertension or high blood pressure as a pre-existing medical condition.In the majority of cases, insurers will automatically provide cover for people with high blood pressure as long as you:When you apply for travel insurance, you have a duty to inform the insurer of any pre-existing medical conditions you suffer from. Failing to do so could lead to your policy being cancelled or any future claims you make being rejected.
So when you come to the section of your travel insurance application that asks you about your medical history, make sure to be upfront and honest about your high blood pressure.While many travel insurance policies do state to automatically cover high blood pressure, it's best to declare as your specific condition may differ from the insurers definition of blood pressure. For example, you may have been hospitalised in the past due to a condition related to high blood pressure.Dave doesn't declare Dave was diagnosed with hypertension six months ago and is currently taking medication and attending regular check-ups with his doctor to keep the condition under control. But when Dave is buying travel insurance for his two-week holiday to the United States, he’s worried that declaring his high blood pressure will increase the cost of his premiums, so he decides not to disclose the condition.So when Dave is hospitalised in New York as a result of his high blood pressure and existing medication treatment, his travel insurer refuses to pay his claim.
Dave must cover more than $2,000 worth of medical and hospital bills out of his own pocket. Insurers typically split pre-existing conditions into three categories:Most insurers will place high blood pressure into the first or third category, but double-check with your insurer. If you suffer from high blood pressure, some insurers will provide you with a health questionnaire to fill out.This will require you to provide details such as:Yes, it is possible to get travel insurance cover if you’re taking medication to control high blood pressure, but conditions apply in some cases. For example, some insurers specify that you must be taking no more than two medications. Another common condition is that you must have had no change in medication or dosage for a certain period of time such as three months.If you have had a heart or cardiovascular related condition in the past, then you'll need to likely need to:Learn more about travel insurance and heart conditionsMost travel insurance policies will exclude cover for automatically covered pre-existing medical conditions like high blood pressure if you've been hospitalised in the past within a certain time period.
For instance, within the last 24 months. If you have been hospitalised recently, you may be able to get covered by declaring your hospitalisation and paying the additional premium.If you need to go to hospital as a result of high blood pressure, make sure that you or a travelling companion contacts your insurer’s emergency assistance line as soon as possible.Your insurer's emergency assistance team can help you:Contacting your travel insurance as soon as possible will allow you to make a claim for other incidentals like trip interruption costs and additional expenses.One of the major downsides of many credit card travel insurance policies is that they automatically exclude all pre-existing medical conditions from cover. This means no cover is available in most cases if you suffer from high blood pressure. However, even if your condition is covered, credit card travel insurance policies typically limit the cover they offer for overseas medical and hospital expenses, so the benefits provided simply may not be sufficient to cover your costs.
It makes much more financial sense to invest in a standalone travel insurance policy when it comes to medical conditions. This is the best way to guarantee that you can be covered for high blood pressure and that an adequate level of medical cover is in place.Travel insurance will typically not provide cover if:Compare travel insurance brands that cover high blood pressureHow to get travel insurance cover for heart conditionsDoes travel insurance cover stroke and stroke medication?What kind of life insurance is best for me? $100,000 to 5 million+ 10, 15, 20, 25 & 30 years Just a health questionnaire At most, a health questionnaire 18-75 (renewable to 95) 100% Return of Premium rider Extra protection for every child you have Disability waiver of premiums rider Waiver of monthly deductions rider Apply and Buy Online in Minutes We know protecting your family is at the top of your to do list. That's why we want to make it even simpler for you.
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