If you have arrhythmia you must disclose the arrhythmia on any travel insurance application to be sure that if you need to claim for medical treatment when you are abroad you will be covered.
In addition should you fall sick before departure you would need to claim the lost holiday costs so you could book again when you recover. This is only possible with full disclosure of your arrhythmia at application
This link might help if you are looking for travel insurance with arrhythmia
What is Arrhythmia?
Arrhythmia is the term used to describe conditions which affect the rhythm of your heartbeat.
If you suffer with an arrhythmia, it is usually due to a problem with the electrical conducting system of the heart, meaning your heart beats too fast or to slow.
Some arrhythmias can be completely benign, meaning they do not require any treatment or follow up (because the irregularity of the heartbeat is not enough to warrant the need for medical intervention), whereas some can be more serious and are permanent rather than intermittent.
There are many conditions covered under the term ‘arrhythmia’ – the most common are: atrial fibrillation, irregular heartbeat, palpitations, atrial flutter, ectopic heartbeat, supra ventricular tachycardia, ventricular fibrillation and a bundle branch block. All of these are common arrhythmias that would need to be declared to your insurer.
Arrhythmias can be treated in a variety of ways, most commonly with medication (usually an anticoagulant such as Warfarin) or by insertion of a pacemaker or defibrillator, or a one off procedure such as an ablation or cardioversion.
It is important to declare to your insurer whether you have ever had treatment for any heart condition, as failure to disclose this may invalidate your insurance policy.
This link might help if you would like to compare travel insurance with arrhythmia
Setting up travel insurance if you have arrhythmia will be cheaper if you go to a specialist website that provide a range of underwriters and options for cover. Be wary of your bank, especially if they offer so called “free cover” as they are unlikely to be specialists and the small print will probably exclude pre-existing medical conditions.
Travel agents are also unlikely to offer a wide selection of specialist travel insurance companies to cover arrhythmia as they usually only provide quotes from a single company to make their lives easier when training their staff.