Does high blood pressure stop you getting travel insurance? (2024)

Does high blood pressure stop you getting travel insurance?

Some US insurance companies may consider high blood pressure as a pre-existing condition, while others may not. If high blood pressure is considered a pre-existing condition, it means that coverage for any related medical expenses may be limited or excluded.

Is high blood pressure a problem for travel insurance?

Yes, because high blood pressure can cause several health problems - including making you more at risk of chest pain, heart attack, stroke, and kidney disease - there's a higher chance of needing to make a claim on your travel insurance. As a result, insurance providers charge more to cover this extra risk.

Is high blood pressure considered a heart condition for travel insurance purposes?

Will high blood pressure affect Travel Insurance? Yes. Your high blood pressure may affect your Travel Insurance policy as most insurers will class you as a higher risk. However, this also depends on your age, other medical history and where you're going.

Does high blood pressure make you uninsurable?

Living with high blood pressure significantly increases the risk of heart disease and stroke, which makes those with this condition a greater risk to insure. However, as long as you're managing your condition with medication and diet, you will likely be able to find life insurance coverage.

What do insurance companies consider high blood pressure?

Life insurance companies typically consider high blood pressure as a systolic reading over 135 and a diastolic reading over 85. Some companies consider high blood pressure a systolic reading over 130 and a diastolic reading over 80 — it will depend on the specific insurer.

Is high blood pressure considered a preexisting condition?

In the health insurance world, a pre-existing condition is any injury, sickness or condition that exists before the date an insurance policy takes effect. Examples include asthma, diabetes, anxiety, depression, high blood pressure, high cholesterol and so on.

Is high blood pressure considered a medical illness?

Blood pressure is created by the force of blood pushing against the walls of blood vessels (arteries) as it is pumped by the heart. The higher the pressure, the harder the heart has to pump. Hypertension is a serious medical condition and can increase the risk of heart, brain, kidney and other diseases.

Is hypertension a pre-existing condition for travel insurance?

Most travel medical insurance companies consider high blood pressure a pre-existing condition. Other common pre-existing conditions include: Asthma. Heart disease.

What pre-existing conditions are not covered?

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

What is considered a pre-existing condition for travel insurance?

In simple terms, if an issue started before your plan did, it's a pre-existing condition.

What is the life expectancy of someone with high blood pressure?

On the other hand, the life expectancy of someone with controlled high blood pressure can often be well into retirement age. With that being said, research³ does show that although you can live a long life, it may be five to seven years shorter than those without high blood pressure.

How much does high blood pressure affect life insurance?

Why Do Insurance Companies Care About High Blood Pressure? Life insurance companies take hypertension seriously because it significantly increases the risk of complications such as heart disease and stroke. Therefore, if you have high blood pressure, you're often seen as a greater risk to insure.

What is the blood pressure limit for life insurance?

Term Life Insurance Quotes

According to the new guidelines, an individual is considered to be hypertensive if their average blood pressure is 130/80 mmHg rather than the previous standard of 140/90 mmHg.

How can I lower my blood pressure before an insurance exam?

How can I lower my blood pressure for insurance test?

How do I lower my blood pressure?

What is the look back period for travel insurance?

However, some policies have a look-back period of 60 to 180 days. If the preexisting ailment, injury or illness has changed or worsened in that period, or you've received care for it, an insurer can deny the waiver and won't cover your preexisting condition.

What other conditions is high blood pressure linked to?

What is a secondary condition to high blood pressure?

Secondary hypertension is high blood pressure caused by another condition or disease. Conditions that may cause secondary hypertension include kidney disease, adrenal disease, thyroid problems and obstructive sleep apnea.

Should I be worried if my blood pressure is 140 90?

Normal pressure is 120/80 or lower. Your blood pressure is considered high (stage 1) if it reads 130 to 139 mmHg/80 to 89 mmHg. Stage 2 high blood pressure is 140/90 or higher. If you get a blood pressure reading of 180/120 or higher more than once, seek medical treatment right away.

What should I do if my blood pressure is 150 90?

If it's high, you and your doctor will set a blood pressure goal. You can achieve that goal in different ways, like eating a healthy diet, exercising for at least 30 minutes a day, quitting smoking, eating less than 1,500 milligrams of salt per day, and using programs like meditation and yoga to relieve your stress.

What is the number one food that causes high blood pressure?

Salt or sodium

Salt, or specifically the sodium in salt, is a major contributor to high blood pressure and heart disease. This is because of how it affects fluid balance in the blood. Table salt is around 40 percent sodium. Some amount of salt is important for health, but it's easy to eat too much.

What conditions are not covered by travel insurance?

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

What is a medical waiver for travel insurance?

With a pre-existing medical condition waiver, you disclose your medical conditions to your insurance provider and ensure that the condition does not impact your ability to file a claim. If you have a waiver, you can even bypass the look-back period.

Can you still be denied insurance for pre-existing conditions?

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.