Travel insurance after a stroke

What does stroke travel insurance cover?

Policies may vary between insurance providers, but cover should include:

• Emergency medical treatment
• Emergency repatriation – covers the cost of flying you home, including medical assistance if needed, should you fall ill during your holiday.
• Cancellation – if you have to cancel or cut short your trip for a valid reason covered by your policy.
• Lost or stolen baggage – make sure cover includes damage, theft or loss of your medicines and any medical/mobility equipment you take with you.

You may also find some specialist stroke travel insurance that offers a higher level of medical cover. And you might be able to add a carer to your policy if they’re accompanying you on your travels.

Will I be approved for travel insurance if I’ve had a stroke?

Once you’ve disclosed your medical history, your travel insurance provider will let you know if they’re willing to cover you. However, this cover could come with some very specific restrictions:

• Your pre-existing conditions might be covered at a higher premium or with a higher excess.
• Your cover might come with very specific restrictions about what you can do on your trip – for example, certain sports and activities might be excluded.
• Your pre-existing conditions might not be covered but you will be insured against any new issues that arise during your trip.

When you compare travel insurance with us, we’ll show you insurance providers that are willing to cover you on the basis of the information you give.

Can you fly after a stroke?

The Stroke Association advises that it’s best to avoid flying for the first two weeks after suffering a stroke. However, it’s always advisable to check with your hospital consultant or GP before you fly.

Here’s what to consider when planning your flights after a stroke:

• Check with your doctor that you’re fit to travel before you book your holiday. You may be asked to avoid flying for the first few weeks after a stroke to avoid any further complications, for example, or advised to stay home immediately after a change in any medication.
• If you need to travel with medication, make sure you pack it in your hand luggage and take enough with you. Carry a letter from your GP stating the medication you need. It’s always a good idea to get to the airport early to avoid any delays caused by issues around carrying your medication.
• Check with your airline or other travel provider when you book, or a few days in advance of flying, to confirm any requirements relating to the equipment you’re taking. Most airlines will allow you to carry two mobility items for free but wheelchairs need to be checked in.
• Keep paper or digital copies of all the information you need to travel. This includes your travel insurance provider’s contact information and any correspondence from airlines or holiday providers regarding your mobility equipment or personal needs.