Travel insurance and pacemakers

Having a pacemaker doesn't mean you need to slow down on your travels.

We've researched several Australian travel insurance brands that will consider you if you have a heart condition and pacemaker fitted, so you can get covered and go on your way.

Get your quote for travel insurance with a pacemaker

AllClear is a specialist travel insurer that considers all ages and pre-existing conditions - including heart-related ones like heart attacks, stents and those who have a pacemaker fitted.

Looking for travel insurance that considers pacemaker patients? Consider these brands:

Travel insurance brand	How do I get considered for my heart condition?	Apply
Medibank	You can declare your condition with a medical assessment	Bonus Get quote
Zoom	You can declare your condition with a medical assessment	Get quote
Insure4less	You can do an online medical questionnaire	Get quote
Travel Insuranz	You can do an online medical screening	Get quote
InsureandGo	You can do a medical screening online or over the phone if you haven't had any heart complications in the last five years.	Finder AwardBonus Get quote
Tick	You can select a Standard or Top cover plan and declare your condition	Finder AwardBonus Get quote
World2cover	You can declare your condition with a medical assessment	Get quote
Cover-More	You can declare your condition with a medical assessment	Bonus Get quote
Southern Cross	You can submit a medical assessment over the phone or online	Finder Award Get quote
Travel Insurance Saver	You can declare your condition with a medical assessment	More info
Easy Travel Insurance	You can submit a medical assessment online	Get quote
1cover	You can declare your condition with an online medical assessment	More info
All Clear	All heart conditions are considered	Get quote

Note: This information was last updated April 2024

Finder survey: Which pre-existing medical conditions do Australians have?

How can I get travel insurance cover if I have a pacemaker?

If you have had a pacemaker fitted, it’s possible to get travel insurance. However, you will need to:

• Declare your condition to your insurer
• In some cases, undergo a medical assessment. This may be in the form of a questionnaire, a medical exam or a doctor’s certificate.
• Pay the additional premium if necessary.

How do I disclose my procedure?

While it may be tempting to not mention your pacemaker in an attempt to avoid paying a higher premium, it is vital that you declare any pre-existing conditions. If you don’t and you suffer a medical incident related to your heart condition, your insurer will not cover you. This could leave you seriously out of pocket if you are hospitalised in a country such as Japan or the USA, where health costs are prohibitively expensive.

Before you declare your heart condition to your insurer, you should read the fine print in their product disclosure statement (PDS) to determine if your condition is covered. Travel insurers normally have three tiers when it comes to pre-existing conditions:

• Conditions that are automatically covered. Conditions that are automatically covered are generally not life-threatening and include ailments such as asthma.
• Conditions that require a medical assessment. The conditions are generally more serious and include conditions such as heart arrhythmias.
• Conditions that will not be covered. These are conditions that are life-threatening such as cancer and AIDs.

What happens in a medical assessment?

If it’s covered, but only under certain conditions, you will need to declare your condition when you apply for insurance and depending on the insurer either:

• Undergo a phone assessment
• Fill out an online questionnaire
• Fill out a hard copy declaration form, describing your condition, your treatment, any recent changes and length of time since treatment or hospitalisation
• Undergo a face-to-face medical assessment

If your condition is approved for cover, your insurer will then send you a written notice to this effect, including any conditions that apply to cover and any additional premiums payable.

It’s been a year since I had a pacemaker fitted. Will I need to declare?

Although it’s likely to help with your application for cover, insurers assess eligibility on a case-by-case basis.

Yes, you will need to declare

As with most pre-existing medical conditions, the length of time since you last had treatment for your condition is an important stage of the assessment process. Different insurers will have different criteria for how the period since the last treatment affects cover e.g. 12 months on policy A and 24 months on policy B.

Generally, if an insurer sees that your pacemaker was fitted some time ago, they are more likely to view your condition as lower risk because there haven’t been any aggravating circumstances.

Travelling with a pacemaker

Travelling with a pacemaker is generally safe. The two main concerns are electromagnetic interference and rough activity that could damage the device. Most issues can be avoided by observing the following tips:

• Visit your doctor before you travel to have your device tested and discuss any activities you have planned for your holiday.
• Make sure you have contact details for emergency overseas assistance should you require it.
• Make sure you know the pacemaker’s manufacturer, model and serial number.
• Find out the types of electromagnetic devices you should avoid close contact with, which should be detailed in your pacemaker’s operator manual.
• As your pacemaker may activate security screening apparatus, make sure you have a pacemaker ID card explaining your condition.
• Also show your ID card if you need medical treatment such as scans while travelling overseas.

Compare travel insurance policies from Australian brands

Written by

Jessica Prasida

Publisher

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification. See full bio