Travel Insurance for High Blood Pressure in 2024/25 (2024)

FAQs

Travel Insurance for High Blood Pressure in 2024/25? ›

Yes. A pre-existing medical condition is any problem that you had before travelling. High blood pressure is a pre-existing medical condition, and you must get high blood pressure Travel Insurance that covers you in case of a related medical emergency.

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.

Holidaymakers often ask: 'Is high blood pressure a pre-existing medical condition for travel insurance? ' 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.

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

In life insurance underwriting, the closer your blood pressure is to the 120/80 range, the less you'll likely pay for coverage. Influence of age: Older insurance applicants – those in their 50s and 60s or above – may see more leniency in rates associated with higher blood pressure numbers.

If your blood pressure is higher than 120 over 80, seek medical advice before you travel.

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.

The average blood pressure while sitting should not exceed 155 mm mercury systolic and 95 mm mercury diastolic maximum pressure for all classes. A medical assessment is specified for all applicants who need or use antihypertensive medication to control blood pressure.

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.

High blood pressure (also called hypertension) is a common pre-existing medical condition, and can be covered by your policy - but you need to meet the conditions below.

Will life insurance deny you for high blood pressure? ›

Yes, it is possible to obtain insurance with high blood pressure, but it may affect your premiums. Insurers typically consider various factors such as your blood pressure readings, overall health, and medical history when determining the cost of your policy.

Your insurer will calculate your life insurance premiums (the amount you will pay) based on the risk of you making a claim that would trigger a life insurance payout. Since high blood pressure poses a risk to your health, this could increase the cost of life insurance or stop you from getting a policy.

If your health plan is fully compliant with the ACA and obtained in either the individual/family market or the employer-sponsored market, you no longer need to worry about pre-existing condition exclusion periods.

If you have a BP of 140/90, that is considered high blood pressure and you should discuss this with your doctor. The first thing that is usually recommended for people with high blood pressure to do is lifestyle changes such as: Maintaining a healthy weight. Consuming a healthy balanced diet low in salt.

Normal pressure is 120/80 or lower. Your blood pressure is considered high (stage 1) if it reads 130 to 139 mmHg/80 to 89 mmHg. Stage 2 high blood pressure is 140/90 or higher. If you get a blood pressure reading of 180/120 or higher more than once, seek medical treatment right away.

If it's high, you and your doctor will set a blood pressure goal. You can achieve that goal in different ways, like eating a healthy diet, exercising for at least 30 minutes a day, quitting smoking, eating less than 1,500 milligrams of salt per day, and using programs like meditation and yoga to relieve your stress.

Having high blood pressure should not be a barrier to travelling. In fact, all forms of travel should be fine if you have high blood pressure and it is well controlled, even long distance.

NOTE 1: For VA disability rating purposes, the term hypertension means that the diastolic blood pressure is predominantly 90mm or greater, and isolated systolic hypertension means that the systolic blood pressure is predominantly 160mm or greater with a diastolic blood pressure of less than 90mm.