Getting the right cover
When you’re going through the process of getting a diagnosis, or undergoing treatment for a condition, you may feel that a holiday is just what the doctor ordered.
Find out what level of cover you can get, from pre-diagnosis to treatment and beyond. Call us for free on 0800 033 4902 to speak to our friendly team.
- Undiagnosed condition or awaiting test results
- Medical procedures or surgeries we can cover
- Recent medical procedures or surgeries awaiting sign off
Undiagnosed condition or awaiting test results
If you have an undiagnosed condition that’s being investigated, then we may still be able to cover you. We just won’t be able to cover any claims related to any of your pre-existing or undiagnosed medical conditions.
This means that you will still be covered for medical emergencies and cancellation, as long as they aren’t related directly or indirectly to your pre-existing or undiagnosed conditions.
You’ll also still be covered for non-medical claims on your policy – including travel delays, lost or damaged baggage, lost money and passports.
Medical procedures or surgeries we can cover
If you have recently had or you’re awaiting a medical procedure or surgery, you can travel and be covered for the following:
| Adenoidectomy | Finger joint replacement |
| Appendectomy | Haemorrhoidectomy |
| Arthroscopic ligament repair | Hip replacement |
| Arthroscopy of ankle | Ingrown toenail repair |
| Arthroscopy of hip | Injection to treat Carpal Tunnel Syndrome |
| Arthroscopy of knee | Injection to treat Haemorrhoids |
| Aspiration of joints | Injection to treat tennis and golfer’s elbow |
| Audiogram | Injection to treat varicose veins |
| Blepharoplasty (Ptosis repair) | Knee replacement |
| Broken toe(s) (but can walk with a shoe on) | Laparoscopic repair of hiatus hernia |
| Carpal Tunnel Syndrome | Laparoscopic repair of inguinal hernia |
| Cataracts | Laparoscopic repair of umbilical hernia |
| Cauterization of the nose | Laser vision correction |
| Circumcision | Minor wounds not requiring stitches – no infection |
| Colposuspension | Myomectomy |
| Correction of hydrocele | Myringoplasty |
| Cryotherapy for basal cell carcinoma of the skin | Osteotomy for hallux valgus (bunion) |
| Cryotherapy for skin tag | Reduction turbinates of nose |
| Cryotherapy for skin wart | Release of trapped nerve in shoulder |
| Debridement of burn injury (covering an area smaller than a tennis ball) | Removal of a thyroid nodule |
| Diagnostic laparoscopy | Removal and incision of contraceptive implants |
| Digital excision arthroplasty | Repair of vaginal prolapse |
| Dupuytren’s repair | Retinal detachment (no blurriness and not flying within 60 days) |
| Ectropion repair | Septoplasty |
| Endometrial sampling | Septo-rhinoplasty |
| Endovenous laser treatment of varicose vein(s) | Simple mole removal (no larger than 2cm) |
| Entropion repair | Steroid injections into joints (not of the spine or neck) |
| Evacuation of perianal haematomas | Strabismus correction |
| Excision of basal cell carcinoma of the skin | Thyroidectomy for non-cancerous disease |
| Excision of benign skin cyst | Toenail removal |
| Excision of benign skin lesion | Tonsillectomy |
| Excision of epididymal cyst | Tooth Extraction (excluding wisdom teeth) |
| Excision of ganglion | Trabeculectomy (no blurriness and not flying within 60 days) |
| Excision of skin tag | Ultrasonic or laser treatment for Kidney stones under 4mm |
| Excision of skin wart | Varicose vein ligation |
| FESS (Functional endoscopic sinus surgery) | Varicose vein stripping |
If your procedure or surgery is not listed above, there’s a chance we can still cover you. You may have the option to travel with cover, but it may not include cover for your pre-existing medical conditions.
To find out more, speak to our friendly team for free on 0800 033 4902.
Recent medical procedures or surgeries awaiting sign off
- My procedure or surgery is listed above:
If you’re still waiting to be discharged from your procedure, we can cover you for all sections of the policy, apart from medical and repatriation expenses arising as a result of the procedure you are awaiting to be discharged from.
You can still be covered for medical claims that are not related to your pre-existing conditions or procedure.
You will not be covered for any claims if you need to cancel or cut your trip short as a result of your pre-existing medical condition that you are awaiting a procedure for.
- My procedure or surgery isn’t listed above:
If you’re awaiting a procedure or waiting to be discharged from a procedure not listed above, you will not be covered for Medical Expenses, Cancellation, Repatriation (getting you back to the UK in an emergency) or Curtailment (cutting your trip short) as a result of your pre-existing medical condition that you are awaiting a procedure for.
You can still be covered for medical claims that are not related to your pre-existing conditions.
If you’re still waiting to be discharged from your procedure, we can cover you for all sections of the policy, apart from medical and repatriation expenses arising as a result of the procedure you are awaiting to be discharged from.
It’s a condition of our insurance that if you’re awaiting sign off or follow ups relating to a procedure that you make sure:
- All surgical wounds have fully healed and no longer require dressing.
- All external stitches, sutures, or staples have been removed.
- There have been no complications, or infections after having had the procedure.
- Your mobility is no worse than it was before you had the procedure.
- You obtain a letter from your GP (doctor) confirming that you are medically fit enough for this trip.
- You understand that this policy will not cover the cost of any follow-ups required during the insured trip.
Get your travel insurance quote today
Call us for free on 0800 033 4902 to speak to our friendly team.