Travel insurance for high blood pressure: what you need to know (2024)

FAQs

Travel insurance for high blood pressure: what you need to know? ›

Insurance companies view High blood Pressure as a pre-existing condition. This means your regular Visitors Insurance may or may not cover the expense of treatment for High Blood Pressure. In such cases, it is necessary to purchase travel insurance with high blood pressure coverage.

Yes, when you take out travel insurance, you'll be asked whether you have any pre-existing medical conditions. You'll need to tell your insurer if you have high blood pressure and let them know about any other health issues you've been diagnosed with.

Most travel medical insurance companies consider high blood pressure a pre-existing condition. Other common pre-existing conditions include: Asthma. Heart disease.

Life insurance companies typically consider high blood pressure as a systolic reading over 135 and a diastolic reading over 85. Some companies consider high blood pressure a systolic reading over 130 and a diastolic reading over 80 — it will depend on the specific insurer.

Having high blood pressure (also called hypertension) is a common medical condition, yet many people don't think about declaring it on their travel insurance policy. AllClear travel insurance policies offer cover for conditions such as high blood pressure so you can travel with peace of mind.

' The answer is simple – high blood pressure is classed as a pre-existing medical condition, so you do need to tell your insurance provider when applying for a policy. If you don't disclose your diagnosis and you fall ill on holiday and it's related to your high blood pressure, your policy may be invalidated.

High blood pressure is considered to be a 'pre-existing medical condition' by insurers. That means it's an important fact that will directly affect the kind of policy you need, and the chances of you claiming are going to be higher.

Having high blood pressure doesn't automatically make your life insurance premiums higher or disqualify you from life insurance. It depends on how long you have had high blood pressure and how well you are managing it.

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. They also can't charge women more than men.

How can I lower my blood pressure before an insurance exam? ›

Limit high-cholesterol foods, salt, sugar, and fat. Avoid non-essential over-the-counter medications such as antihistamines and decongestants, which can raise blood pressure and glucose levels. Avoid alcohol which can negatively impact liver enzymes and cause dehydration. Increase your water intake.

Why Do Insurance Companies Care About High Blood Pressure? Life insurance companies take hypertension seriously because it significantly increases the risk of complications such as heart disease and stroke. Therefore, if you have high blood pressure, you're often seen as a greater risk to insure.

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

A pre-existing condition for travel insurance refers to an injury, illness or medical condition that prompted you to seek treatment, experience symptoms or take medication before buying the travel insurance policy, according to Allianz Travel.

Yes, but you should talk to your doctor before making any travel plans, however it is likely that you'll be okay to fly if you have high blood pressure and it is well controlled with medication. Travelling by air can be quite stressful in itself, with queues, security to clear and tight deadlines.

Blood pressure is created by the force of blood pushing against the walls of blood vessels (arteries) as it is pumped by the heart. The higher the pressure, the harder the heart has to pump. Hypertension is a serious medical condition and can increase the risk of heart, brain, kidney and other diseases.