Updated 2025: Travel Insurance Following a Mini Stroke: Important Information
Understanding Mini Strokes (TIAs)
Transient Ischaemic Attack (TIA), a minor stroke, momentarily blocks the blood supply to the brain. Though they resemble a stroke (facial drooping, limb paralysis, speech problems), symptoms go away in 24 hours, usually much sooner. TIAs are dire indicators of possible future strokes. About one in three persons with a TIA will finally get a stroke; almost half of these strokes happen within a year following the TIA. To lower stroke risk, this emphasizes the need for medical follow-up following a TIA.
Can I Fly After a Mini Stroke?
Usually, yes, although particular airline restrictions vary. While some airlines may call for longer waiting times, most advise waiting ten days following a TIA before travelling. This runs counter to the advice following a complete stroke, where a 21-day delay is sometimes recommended. Airlines may demand a medical assessment and certificate for urgent travel within the 10-21-day window following a stroke.
Travel Insurance and Mini Strokes
For travel insurance's pre-existing condition considerations, a TIA is. You must thus report it when you are buying insurance if you need medical attention linked to a TIA or stroke while on the trip; non-disclosure can void your coverage. Professionals in travel insurance know the subtleties of TIAs and strokes. Suppose your TIA causes you to be unfit to travel. In that case, they can provide custom coverage, including more significant medical expense limitations, coverage for pre-existing ailments, repatriation help, and cancellation coverage.
What to Expect When Buying Travel Insurance
Ask about the frequency and timing of your TIAs, any accompanying symptoms, drugs, any medical conditions, etc. Some insurance companies, especially if your TIA was recent or if you need specific help, may ask a doctor to check your fitness to travel.
Medical Concerns When Flying After a TIA
Those with a history of TIAs may be at risk from the reduced oxygen levels in aircraft cabins. You are usually deemed fit to fly if you ascend a flight of stairs or walk 50 meters without feeling exhausted. Extended immobility on aeroplanes raises the risk of Deep Vein Thrombosis (DVT), which is raised after a TIA or stroke. Among the preventive steps are frequent leg workouts, compression stockings, hydration, and alcohol avoidance.
Additional Travel Tips for TIA Survivors
See your doctor to discuss travel-related hazards and required precautions before your trip. Stow enough medications in your carry-on bags and have a doctor's statement outlining your illness and prescription needs. Research medical facilities at your location and keep your travel insurance information readily available. Let more time pass at the airport and during transfers to reduce tension. Steer clear of heavy exercise, hydrate, and prioritize rest during your trip.
Provider | Plan Name | TIA/Stroke Coverage | Medical Expenses Coverage | Cancellation Coverage | Repatriation | Lost/Stolen Medication | Other Benefits | Age Limits | Medical Screening | COVID-19 Coverage | Other Notes |
---|---|---|---|---|---|---|---|---|---|---|---|
Allianz Global Assistance | OneTrip Prime, Premier, Executive | Yes, with pre-existing condition waiver requirements met | Prime: $50,000/$500,000 (medical/transport)Premier: $100,000/$1,000,000 | Yes, if related to covered reasons including pre-existing conditions (with waiver) | Yes | Yes | Trip interruption, travel delay, baggage loss | None | Yes, including "medically able to travel" requirement | Yes, with Epidemic Coverage Endorsement | Must meet pre-existing condition waiver requirements: insure full trip cost within 14 days of first trip deposit, be medically able to travel at purchase, be a US resident. Exclusions apply. |
Able2Travel | Silver, Gold, Platinum | Yes | Up to £10,000,000 | Up to £5,000 | Yes | Yes | Travel accident, baggage, travel delay, missed departure, loss of travel documents | Varies by plan and travel area. No limit for areas 1,2,3 except area 4 (max 79). Restrictions on trip length for ages 66+ | Yes | Yes, for Trip Cancellation/Interruption, Travel Delay, Medical Expenses/Dental/Transportation | Options for cruise, winter sports, sports travel insurance. Waiting list coverage may be available by phone. |
AllClear | Gold, Gold Plus, Platinum | Yes | Up to unlimited (Platinum) | Yes | Yes | Yes | Baggage, travel delay, personal liability, legal protection, no upper age limit on Gold and Gold Plus | No upper age limit on Gold and Gold Plus | Yes | Yes, covers COVID-19 related medical emergencies, cancellation, and repatriation. | Covers 1300+ medical conditions. Options for single trip, annual multi-trip, backpacker, sports & leisure, cruise. |
Goodtogoinsurance.co.uk | Gold, Platinum | Yes | Up to £10,000,000 | Yes | Yes | Yes | Travel Delay, Missed Departure, Personal Accident, Baggage, Personal Liability, Legal Advice, Catastrophe Cover | No upper age limit | Yes | Yes, covers COVID-19 related medical treatment abroad, additional accommodation costs due to quarantine, and cancellation for certain circumstances (Gold, Platinum & Cruise). | Offers Silver, Gold, and Platinum levels. Add-ons available for ski, golf, gadgets, winter sports, and more. |
Medical Travel Compared | Comparison Service | Yes | Varies depending on the insurer | Varies depending on the insurer | Varies depending on the insurer | Yes | Varies depending on the insurer | Varies depending on the insurer | Yes | Varies depending on the insurer | Compares policies from over 40 insurers. |
Just Travel Insurance | Various, from panel of insurers | Yes | Up to £15 million | Yes | Yes | Yes | 24/7 medical assistance, personal liability, lost/stolen valuables | No age limit with partners | Yes | Yes, covers COVID-19 related cancellations, medical expenses, and repatriation. | Specializes in pre-existing conditions. Single trip and annual options. |
InsureandGo | Black, Gold, Silver, Bronze | Yes | Up to unlimited (Black) | Yes | Yes | Yes | Baggage, travel delay, personal liability, legal expenses | Up to 100 years old, subject to policy terms | Yes | Yes, covers medical expenses, repatriation, and some cancellation scenarios related to COVID-19. | Single trip, annual multi-trip, Europe, worldwide, golf, and cruise options. |
Freedom Insurance | Various | Yes | £5,000,000 - £10,000,000 (depending on plan) | £1,500 - £10,000 (depending on plan) | Yes | Yes | Missed Departure, Baggage, Personal Accident | Up to 79 | Yes | Not specified | Specializes in pre-existing medical conditions. |
MIA (Medical Insurance Agency) | Clear2Go, Clear4Travel | Yes | Up to £5,000,000 | £1,000 - £5,000 (depending on plan) | Yes | Yes, under medical expenses | Baggage cover, mobility equipment add-on, hospitalization cover (Clear4Travel), personal accident cover (Clear4Travel) | Up to 100 | Yes | Not specified | Specializes in medical travel insurance. |
ClearCompare.ca | Personalized plan | Yes, with no stability period | Up to $10,000,000 | Yes, varies by plan | Yes | Not specified | Trip interruption, baggage and personal effects, travel delay | No | Yes, simplified questionnaire | Yes, some COVID-19 related events covered as any other illness | Specifically for Canadians with pre-existing conditions. Premiums based on individual medical history. |