For people with heart conditions or following a stroke, getting travel insurance can be a source of concern.
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.
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.
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 Ltdwww.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.
Staysure (UK)www.staysure.co.uk Tel: 0044 800 033 4902 Mon – Fri: 8.30am – 8pm, Sat: 8.30am – 6pm & Sun: 10am – 4pm
Staysure specialises in providing insurance to the over 50s market as well to those with pre-existing medical conditions and operates a simple online medical screening process.
The range of policies on offer include single trip, annual multi-trip, basic and comprehensive.
Staysure is happy to provide cover, where appropriate, for residents of the Republic of Ireland.
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 Insurancewww.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.
Financial Services Ombudsman’s Bureau www.financialombudsman.ie
Third Floor, Lincoln House
LoCall 1890 882 090
Irish Financial Services Regulatory Authority www.ifsra.ie
PO Box 9138
Tel: 01 4104 000
Consumer Helpline LoCall: 1890 777 777
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