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Editor’s note: First published April 2017 | Refreshed October 2025 with updated Irish insurer guidance, new links, and questionnaire CTA.
10-second summary: If your clot has been treated and you’ve fully recovered, you can usually get life insurance, mortgage protection, and even income protection at normal rates once you’re off medication. Multiple episodes or ongoing treatment may mean a short wait or small premium loading.
Finding this page probably means you or someone close to you has had a blood clot and you’re wondering what that means for life insurance or mortgage protection. The good news: it’s rarely a show-stopper.
Your blood is supposed to clot — it’s how a cut heals. Problems arise when a clot forms where it shouldn’t or moves somewhere dangerous like your lungs (a pulmonary embolism).
Deep Vein Thrombosis (DVT) and pulmonary embolism (PE) are the most common types. They’re more likely after long flights, surgery, pregnancy, or long periods of sitting still. The HSE lists other risk factors such as age over 60, being overweight, smoking, and certain medications like the pill or HRT.
Treatment in Ireland usually involves blood thinners such as Warfarin or Xarelto for a few months. Once treatment ends, most people go back to normal life with no lasting issues.
Yes. Once treatment is complete and your consultant confirms no complications, Irish insurers usually offer cover on standard terms after about three months. If you’re still on medication, they may pause the application until you’re finished.
In short, if you’ve had a single episode and made a full recovery, you can expect normal pricing. If you’ve had repeat clots or long-term anticoagulant use, a postponement or slight loading is possible, but cover is still within reach.
We’ve arranged cover for dozens of people after DVTs and pulmonary embolisms — usually without drama.
Complete the short questionnaire
and we’ll confirm what’s possible for you.
For one-off clots with no underlying condition, insurers may postpone for around six months and then offer income protection insurance and serious illness cover at normal rates. Persistent or unexplained clotting might lead to an exclusion on clot-related claims, but everything else remains fully covered.
Pricing depends on how many episodes you’ve had and whether you’re still on treatment. A single DVT that resolved cleanly usually costs the same as standard cover. Someone with multiple clots or current medication may pay double for a year or so, then drop back to normal once off treatment and stable for 12 months.
To see your exact options, complete the blood conditions questionnaire and we’ll get quotes that reflect your own medical history.
Each insurer treats clots differently. One might postpone while another is happy to offer cover immediately. We know their underwriting habits inside out and can match you to the right one first time. That means less form-filling and no nasty surprises.
We’ll handle the back-and-forth with underwriters, medical reports, and paperwork so you don’t waste time applying to insurers who’ll only decline or delay.
Most insurers wanted to wait until treatment ended, but we found one willing to offer cover while she was still on Warfarin. She secured mortgage protection and moved into her new home without delay.
A blood clot is frightening when it happens, but it doesn’t have to be a nightmare for insurance. If you’re ready to see your options, complete the questionnaire and we’ll come back with clear, no-nonsense quotes that take your medical history into account.
Still unsure or want to talk it through? Give us a call on 057 93 20836 or drop an email to nick@lion.ie.
We’ll explain your options in plain English — no jargon, no pressure, just honest advice.
As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!
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