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

FAQs

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

Some US insurance companies may consider high blood pressure as a pre-existing condition, while others may not. If high blood pressure is considered a pre-existing condition, it means that coverage for any related medical expenses may be limited or excluded.

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. Failing to declare anything you knew about before taking out cover could void your policy.

Yes. Your high blood pressure may affect your Travel Insurance policy as most insurers will class you as a higher risk. However, this also depends on your age, other medical history and where you're going.

Many life insurance companies consider high blood pressure as a systolic reading over 135 and a diastolic reading over 85. Others consider high blood pressure as a systolic reading over 130 and a diastolic reading over 80.

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

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.

The FAA's upper limit for blood pressure previously varied depending on a pilot's age and class of certificate. The standards now allow certification for pressures up to 155/95 without an evaluation. Pilots with blood pressures above this level may still be certified after a cardiovascular evaluation (CVE).

Living with high blood pressure significantly increases the risk of heart disease and stroke, which makes those with this condition a greater risk to insure. However, as long as you're managing your condition with medication and diet, you will likely be able to find life insurance coverage.

Yes, having high blood pressure alone should not rule you out in terms of getting life insurance. However, there are other factors aside from high blood pressure that affect whether you can take out life insurance and the premiums you'll pay. These factors include: Your age.

An illness or injury experienced before enrollment in a health insurance plan may be considered a pre-existing condition. Pre-existing conditions can include health issues such as cancer, diabetes, lupus, depression, acne, pregnancy, or just about any other health condition you can imagine.

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

In the health insurance world, a pre-existing condition is any injury, sickness or condition that exists before the date an insurance policy takes effect. Examples include asthma, diabetes, anxiety, depression, high blood pressure, high cholesterol and so on.

Most life insurers will offer policies to applicants who admit to having high blood pressure. It's only when the blood pressure is uncontrolled and the readings are too severe will the insurer decline. With this as an industry standard practice it's not common for a death claim to be denied for high blood pressure.

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.

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.

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.

Due to the added risk health problems create for insurers, some pre-existing conditions can raise your premium or even disqualify you entirely from certain types of life insurance. A few common examples of pre-existing conditions include high blood pressure, diabetes, cancer, and asthma.

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.

Hypertension is a serious medical condition and can increase the risk of heart, brain, kidney and other diseases. It is a major cause of premature death worldwide, with upwards of 1 in 4 men and 1 in 5 women – over a billion people – having the condition.