Travel Insurance after Joint Replacements

You should check with your doctor that you’re safe to travel before you make any holiday plans. Also, let them know about your planned activities and get the go-ahead that you’re fit and well to take part.

If you’re flying, it’s important that you get advice from your doctor about reducing your risk of DVT. You’re most at risk two to ten days after surgery, but you’ll stay high risk for about three months^.

Each airline also has its own regulations about when you’re safe to fly, so check before you book anything.

You should still be able to get cover. But you’ll need to let us know about your underlying condition if you’ve had follow-up appointments within the last two years.

We should be able to cover you for everything except cancelling or cutting your holiday short because of your hip/knee replacement.

Simply tell us about your condition and that you’re waiting for surgery when you buy your cover. You can find out more information on our awaiting surgery page.

You can still get cover, but it won’t include medical expenses or being flown home if you have a medical emergency related to your underlying condition.

Proper travel insurance gives you peace of mind about unexpected events when you’re abroad.

By making sure your policy covers your joint replacement, you can be covered for medical emergencies relating to your condition. Plus, you can be protected from any extra costs caused by lost passports, delayed travel, stolen luggage and more.

You get to relax and explore with confidence, knowing we’re there to support you if you need it.

Everyone’s medical history is different, but you can expect the following sorts of questions:

• Why was the joint replacement or resurfacing performed?
• How many joint replacement or joint resurfacing operations have you had?
• Does this condition require you to use any mobility aids?
• Are you awaiting any joint replacement and/or resurfacing surgery?
• Has your joint replacement ever dislocated?
• Have you ever needed treatment for any neck or back problems?
• How many unplanned hospital admissions have you had for this condition in the last 12 months?
• How many medicines do you take for this condition?

As long as you’ve declared your pre-existing health conditions, you can be medically covered if you have an accident when using your mobility scooter on holiday.

But your travel insurance doesn’t give you any Personal Accident or Personal Liability cover when using your scooter.

For example, you won’t be covered if you are injured and become permanently disabled or lose a limb, sight or hearing. And you won’t be covered for injury to a third party or damage to property.

Also, we can’t cover the mobility scooter itself if it’s lost or damaged.