With tachycardia you really should take travel insurance out when you go on holiday or travel abroad just in case you fall ill and need medical treatment as the NHS will not provide treatment whilst you are on holiday. The cost of receiving medical treatment outside the UK can be very expensive and the travel insurance will repay most of these costs provided you took it out before you left for your holiday.
In addition if you need assistance to get home, like an ambulance or medical staff to accompany you, then the travel insurance will pay for the costs associated with repatriation too.
For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with tachycardia
Travellers with tachycardia have in the past paid significantly more for their travel insurance as those with tachycardia, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
Additional rating factors which effect travel insurance are connected conditions and whether this condition has caused you to cut short or cancel a holiday in the past.
Tachycardia and travel insurance
is a heart rate that exceeds the normal range. A resting heart rate over 100 beats per minute is generally accepted as tachycardia. Tachycardia can be caused by various factors which often are benign. However, tachycardia can be dangerous depending on the speed and type of rhythm. Note that if it is pathological, a tachycardia is more correctly defined as a tachyarrhythmia.
The upper threshold of a normal human resting heart rate is based upon age. Tachycardia for different age groups is as listed below:
- 1–2 days: > (greater than) 159 beats per minute (bpm)
- 3–6 days: >166 bpm
- 1–3 weeks: >182 bpm
- 1–2 months: >179 bpm
- 3–5 months: >186 bpm
- 6–11 months: >169 bpm
- 1–2 years: >151 bpm
- 3–4 years: >137 bpm
- 5–7 years: >133 bpm
- 8–11 years: >130 bpm
- 12–15 years: >119 bpm
- >15 years – adult: >100 bpm
When the heart beats excessively or rapidly, the heart pumps less efficiently and provides less blood flow to the rest of the body, including the heart itself. The increased heart rate also leads to increased work and oxygen demand by the heart, which can lead to rate related ischemia.
All of these factors will be taken into account when you apply for travel insurance with tachycardia.
In addition, those that are waiting for a diagnosis or additional tests face the highest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.