Oh tired lady, you could be me writing this. I ruined the best part of my 30's and into my 40's obsessed with my heart and used to get exactly the same symptoms that you describe. I also did not realise that I was going through Peri and kicked over into full blown meno, just on my 40th birthday, they say life begins @ 40, but I had nothing but problems from there on, until I discovered the Oestrogel. It changed my life. I was prior to that on the oral birth control pill and it made the palpitations so much worse, the fluttering and missed beats were out of control. Since changing to the gel and taking Utrogestan for the oestrogen part, I have been a new person. I still get the missed beats now and then and the racing happens when I run low on Oestrogen, I too have a phobia about my heart racing out of control, but we need to just give ourselves a good talking too and I look @ my mom, who is well into the 80's and remember her complaining about the same thing and in fact my daughter, who is in her 20's now, is also complaining about palpitations, so the cycle starts again. I would see if you cannot get the gel and a separate utrogestan, just not sure about birth control then, as the gel will not cover you for that as far as I know, but you will be fine, its all part of Peri, the panic attacks, oh my gosh! My heart used to reach 190 beats and I was convinced that I had damaged it. The Dr told me to look @ marathon runners who run miles and miles and whose heart rates stay elevated for hours on end and to relax...all will be well, so I am hoping that you will realise, as scary as it is, you will be fine, but do try and get onto HRT, the transdermal, if possible, it makes a huge difference, all the best, chin up. x