High Blood Pressure Travel Insurance (2024)

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Travelling with high blood pressure is fine – but it’s important to make sure you’ve got the right cover in case something goes wrong abroad.

Posted: 31/1/2022 | By Amanda Duffy

Travel Insurance Travel essentials

High Blood Pressure Travel Insurance (1)

When you’ve been diagnosed with high blood pressure, you shouldn’t let it stop you from living a full and enjoyable life – and that includes travel. With a bit of preparation, travelling with high blood pressure can be made a lot easier.

Some of that preparation should include proper travel cover – travel insurance for someone with high blood pressure isn’t as hard to get as you might think. You have to tell your insurer about high blood pressure – also known as hypertension – before you take out your travel policy. This is because having high blood pressure raises your risk of having health problems such as strokes, heart attacks and aneurysms. But as long as you are managing your condition properly and your doctor is happy with it, travel insurance for someone with high blood pressure can be easy to obtain.

Consider a travel insurance policy tailored to a pre-existing medical condition

Travel Insurance

Should I declare my high blood pressure?

The quick answer to this question is: yes.You should always tell your insurer about your high blood pressure, even if it’s being well-managed through medication. 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. If you don’t tell them and then you need to claim as a result of the condition, then your policy may not pay out.

If you’re interested in arranging travel insurance for someone with high blood pressure, then expect to be asked some questions by the insurer when you take out the policy. Make sure you have the answers handy so that you don’t have to keep calling back to finish your purchase!

Questions you can expect insurers to ask will include:

  • What medicines are you taking for your high blood pressure?
  • What dosage of the medicines are you taking?
  • Have the medications changed recently?
  • Has the dosage been increased recently?
  • Has your doctor told you to take medication for cholesterol as well?

Can I get travel insurance with high blood pressure?

It’s easier than you think to get travel cover for people with high blood pressure. Just make sure your insurer knows the details of your condition and they will tell you how the policy will work. It’s not technically a legal requirement to tell them about it, but telling them up front means you will be covered for anything that happens as a result. Otherwise, you might end up with a policy that doesn’t cover any pre-existing medical conditions at all – and you’ll likely spend your whole holiday worrying about it.

Tips for travelling with high blood pressure

When you have high blood pressure, travel insurance is a great idea, but there are also other things you should remember before you go.

  • Give yourself plenty of time to make the journey less stressful.
  • Stay near the airport the night before your flight, and check in nice and early so you can be relaxed before you get on the plane.
  • Put the medication you’ll need for the journey in your hand luggage, remembering to add a little extra in case of flightdelays. If it’s not too bulky, aim to put it all in your hold baggage, where you can be sure it won’t get lost or crushed. Don’t count on getting your medication while you’re away – chemists may not have any, or they may be closed where you are going.
  • Move around on the plane to help your circulation and reduce the risk of developing deep vein thrombosis. High blood pressure is linked to this condition.
  • You should also avoid eating salty food on the plane – try bringing your own snacks or asking the airline for an alternative. And avoid alcohol, which will make you sleepy and stop you moving around.

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FAQs

What is considered high blood pressure for travel insurance? ›

What is considered high blood pressure for travel insurance? According to Blood Pressure UK, an ideal blood pressure reading is between 90/60mmHg and 120/80mmHg, anyone with consistent readings of 140/90mmHg and above is considered to have high blood pressure⁹.

Is high blood pressure considered a preexisting condition for travel insurance? ›

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

What blood pressure is too high for life insurance? ›

Blood pressure ranges: Important new medical guidelines issued by the American College of Cardiology in 2017 dramatically reduced the definition of high blood pressure from 140/90 to 130/80. In life insurance underwriting, the closer your blood pressure is to the 120/80 range, the less you'll likely pay for coverage.

Can you get insurance with high blood pressure? ›

It's fairly simple to buy life insurance even if you have high blood pressure. You'll need to disclose your condition on your health questionnaire and list any medications as well as your recent blood pressure readings.

How can I lower my blood pressure for insurance test? ›

Eat Healthily.

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.

Will high blood pressure deny life insurance? ›

Can I Get Life insurance with High Blood Pressure? Yes, you can get life insurance with high blood pressure but you may end up paying more, especially if you've had the condition for a long time and you haven't seen a doctor about it.

What type of insurance can be denied due to pre-existing conditions? ›

Firstly, thanks to the Affordable Care Act (ACA), insurers can no longer deny coverage or charge higher premiums based solely on pre-existing conditions. This has dramatically increased access to health insurance for individuals with chronic health issues.

Can you be denied health insurance for pre-existing conditions? ›

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 do travel insurance companies determine pre-existing conditions? ›

In general, most travel insurance companies will consider you to have a pre-existing condition if you have a diagnosed illness or medical concern that has not been "stable" within a defined look-back period.

Is very high blood pressure a disability? ›

While hypertension does not have a specific listing, if high blood pressure has caused damage to your blood vessels, heart, kidneys, or other organs, you might qualify based on another condition. Social Security will review your medical records to determine if your disability matches one of their impairment listings.

Is high blood pressure considered a disability? ›

Although the consequences of untreated hypertension can be severe or even fatal, hypertension itself is not usually enough to qualify for disability benefits through the Social Security Administration.

Is high blood pressure considered a heart condition? ›

Is hypertension heart disease? Hypertension is not heart disease. However, hypertension can be a major contributing factor for heart disease, which is why hypertension is not something you want to ignore.

Is high blood pressure a major medical condition? ›

Elevated blood pressure can worsen and develop into long-term high blood pressure as a health condition (hypertension). Hypertension can damage body organs. It increases the risk of heart attacks, heart failure, strokes, aneurysms and kidney failure.

What is considered a heart condition for travel insurance? ›

Travel and holiday insurance for people with heart conditions. Heart conditions - it's a vague term and could be anything from heart arrhythmia to heart failure, disease, angina or heart attacks.

What is the blood pressure guidelines for commercial drivers? ›

To continue driving a commercial motor vehicle, you must reduce your blood pressure to or below 140/90.

How much emergency medical should I have for travel insurance? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

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