Pulmonary Embolism & Life Insurance

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Pulmonary Embolism & Life InsuranceHaving had a pulmonary embolism can be a scary experience and may now be a worry of yours. We have a team of trained advisers who can help ease your concerns when it comes to buying life insurance.

Things we’d need to know:

  • How many instances has there been?
  • What was the cause?
  • What was the medication or treatment used?

Life insurance for people who have had a pulmonary embolism will generally require a report from your GP to establish your overall state of health, this is common practise so should not cause you any concern. The insurer will use this report to determine how many recurrences you have had of the condition, time since the last episode, the cause of the condition and any medications and/or treatments that have been in use.

Where the pulmonary embolism has been a single episode and there has been no strong medication in use the insurer may be able to offer life insurance at normal terms. If there have been multiple occurrences of the condition and/or strong medications have been used, the insurance provider may offer life insurance at non-standard terms (price increase) or decline to offer cover.


Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover applications for those who have a history of pulmonary embolism will also need to be reviewed in conjunction with a report from your GP. The insurance provider that you approach will want to know how many times the condition has been present, the reasons the embolism occurred, how long it has been since the last episode and what medications and treatment methods have been used.

If the pulmonary embolism has occurred once and not required strong medication to correct, the insurance provider may be able to offer critical illness cover at standard terms. Where there have been multiple events and/or strong medications have been used, the insurer may be able to offer critical illness cover at special terms or in more severe cases they may choose to decline the application.


Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for people who have had a pulmonary embolism may be available at normal terms depending upon the strength of the condition. For those where the condition has presented once and did not require strong medication, normal terms may be available with some insurers.

The insurance provider will be particularly interested in how many times the condition has recurred and whether or not it has affected your ability to work in the past; especially if you have had time off work due to the condition. If the condition has had multiple recurrences and strong medications have been used then it is possible that the insurer may offer cover at special terms (premium increase) or decline to offer cover.


Should you find that the terms provided for income protection do not suit your needs then it is worthwhile considering accident, sickness and unemployment cover. This alternative policy provides a monthly income replacement of between 12 and 24 months if you are unable to work due to long-term disability, injury or involuntary redundancy.

Accident, sickness and unemployment policies are not medically underwritten meaning that your condition will have no bearing on the acceptance terms of the policy. However you should be fully aware that any claim that you make on the policy will exclude anything related to your pre-existing medical history.


Are you going on holiday? We work alongside a specialist travel insurance broker who can help you choose the right insurance for you. To find out more about arranging travel insurance having had a pulmonary embolism, please click here.

What is a Pulmonary Embolism?

A pulmonary embolism is classified when a blockage in the pulmonary artery occurs, preventing blood from reaching the lungs. Typically the blockage is a blood clot that has travelled from the legs to the heart and is generally caused by periods of inactivity (DVT), blood vessel damage or when the blood clots too easily. The condition can be life threatening and it is important that structured medication, treatment and prevention techniques are used to reduce the risks of further blood clots.

Also known as: PE

Linked with: Deep vein thrombosis (DVT), strokes, vasculitis, cancer, heart failure, thromobphilia, Hughes syndrome, venous thromboembolism (VTE)

Some potential problems experienced by individuals who have had a pulmonary embolism include:

  • Chest or upper back pain
  • Coughing
  • Dizziness
  • Shortness of breath
  • Use of compression stockings
  • Structured exercise routines
  • Acenocoumarol (Sinthrome)
  • Actilyse
  • Alteplase (Actilyse)
  • Apixaban (Eliquis)
  • Bemiparin
  • Bemiparin Sodium (Zibor)
  • Computerised tomography pulmonary angiography (CTPA)
  • Dabigatran etexilate mesilate Pradaxa)
  • Dalteparin
  • Danaparoid
  • Danaparoid Sodium (Orgaran)
  • Enoxaparin
  • Enoxaparin Sodium (Clexane)
  • Fondaparinux (Arixtra)
  • Fragmin
  • Heparin sodium
  • Menadiol sodium phosphate
  • Protamine
  • Rivaroxaban (Xarelto)
  • Streptokinase (Streptase)
  • Tinzaparin (Innohep)
  • Urokinase (Syner-Kinase)
  • Ventilation-perfusion scan
  • Warfarin (Marevan)
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).

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Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 475 reviews.

Review by Paul and Joanne on 23rd March 2021

Kathryn was brilliant - we had some unique circumstances due to my husbands occupation, and she really went the extra mile to get us the best price, and full assurance from the underwriters to the cover we were getting... she always replied really quickly with any questions i had and we will definitely reach out to her again in the future if we need more cover. - 5 

You can read more of our reviews here.

Pulmonary Embolism & Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Pulmonary Embolism & Life Insurance

Client Reviews

Pulmonary Embolism & Life Insurance

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