Travel Insurance & Stroke and Heart disease

For people with heart conditions or following a stroke, getting travel insurance can be a source of concern.

General things to know

European Health Insurance Card (EHIC)

The EHIC (previously the E111 or E128) entitles you, if you are an Irish resident, to medical care in the public system in European Union countries. This also applies to countries in the European Economic Area (EEA) such as Iceland, Norway and Liechtenstein. If you become ill or injured while on a short stay to Switzerland you will also be covered. One card is needed for each person.

For more information on the EHIC call your local health office. The website www.ehic.ie has a list of these offices and has more information on the EHIC card. You are strongly advised to buy travel insurance as well as taking the EHIC card with you when travelling.

Northern Ireland & the UK

You do not need an EHIC card to get healthcare while on a short visit or holiday to the UK or Northern Ireland. It is enough to show proof that you are resident in Ireland – by showing your passport, driving licence or other similar documents.

Insurance Companies

Accident & General www.accidentgeneral.ie  Tel: 01 874 8458

When dealing with clients with pre-existing medical conditions there are two Medical warranties within general travel insurances policies currently available in Ireland.

In the second case, A&G is unique is offering Cancellation & Curtailment cover to those travelling who have family members (not travelling) with medical conditions. This is only available direct from A&G by calling 01 874 8458.

For those who are travelling and have cardiac conditions:

There are no restrictions for those travelling to the USA that have a cardiac condition(s), but customers are encouraged to take Single trip policies for the duration of their trip, as this reduces any additional costs for the cover rather than using Annual/Multi Trip policies which may include travel to USA/CAN.


AllClear Insurance Services (UK)
 www.allcleartravel.co.uk  Tel: 0044 1708 339 291 Monday – Friday 9am to 7pm, Saturday 9am to 4pm and Sunday 10am to 4pm

Medical screening is included within the one call or web visit so the entire process takes around 6 or 7 minutes.

All Clear Insurance specialises in Travel Insurance for people with medical conditions and the elderly. Cover is provided to people permanently resident in the UK (including Channel Isles and the Isle of Man) or the Republic of Ireland.

All medical conditions (including cardiac conditions) are covered – any age and any destination (including the USA). The policy offers comprehensive cover.


Getcover & Co Ltd
www.getcover.ie  Tel: 01 290 8833

The standard policy excludes cover for some pre or existing illnesses but customers are given the choice to call a medical screening team to avail of an additional top-up policy. The medical team will ask a set of questions relating to the pre or existing illness.

There are three outcomes:

Single trip and annual multi-trip policies are offered to any part of the world.


Mia Online Ltd
 www.miatravelinsurance.co.uk local rate (Dublin) number: 01 224 7000

As of 1st May 2017 Mia Online have a travel insurance policy now for sale to Irish Residents.

The Policy has no upper age limit and covers medical conditions.  It also covers policy holders up to a high level of severity, even a terminal prognosis.


VHI – Voluntary Health Insurance
www.vhi.ie/travelinsurance  Tel: 01 872 4499 / 1850 444 444

The VHI multi-trip travel policy covers pre-existing conditions.

You must be an existing VHI member to purchase the travel policy. The policy can be purchased via the VHI website.

DOs and DON'Ts for travelling with Stroke and Heart disease

Learn More

Other Useful Contacts

Financial Services Ombudsman’s Bureau  www.financialombudsman.ie

Third Floor, Lincoln House
Lincoln Place
Dublin 2
LoCall 1890 882 090

Irish Financial Services Regulatory Authority www.ifsra.ie

PO Box 9138
College Green
Dublin 2
Tel: 01 4104 000
Consumer Helpline LoCall: 1890 777 777

Please note:

There is no guarantee cover will be provided; each case is assessed individually. Some of the companies listed are UK based; they are happy to cover Irish residents. Provision of the list of companies does not represent a recommendation by the Irish Heart Foundation, nor is there any disapproval of a company by their exclusion from the list

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