Does Critical Illness Insurance Cover Stents?

Shawn Plummer

CEO, The Annuity Expert

Does Critical Illness Insurance Cover Stents?

Yes, critical illness insurance typically covers the placement of stents if it is directly related to a heart attack. However, it is important to note that coverage may vary based on the policy details and insurance provider. Here’s a detailed look:

When are Stents Covered?

  1. Post-Heart Attack: If you’ve had a heart attack and require stents, most critical illness policies will cover this.
  2. Specific Conditions: Coverage often depends on the severity of your heart condition and specific circumstances.

Understanding Policy Terms

  • Policy Wording: Review your policy’s wording to understand what is covered.
  • Pre-Existing Conditions: Some policies might exclude coverage for conditions before the policy starts.
  • Waiting Periods: There might be a waiting period before the coverage becomes effective.


  • Scenario 1: A person suffers a heart attack and subsequently needs stents. This would typically be covered.
  • Scenario 2: A person requires stents due to arterial blockage but hasn’t had a heart attack. This might not be covered.


Understanding the specifics of your critical illness policy is crucial to determining if stent placement following a heart attack is covered. Policies vary, so reviewing your individual plan details is essential. Remember, coverage usually applies when a heart attack leads to stent placement, but not necessarily for blockages without a heart attack. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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