Arthritis Travel Insurance

It’s important you tell us about your arthritis along with any other pre-existing medical condition you may have, when taking out a policy with us.

It’s important that all pre-existing conditions are declared on your policy. This will avoid large medical bills if you need treatment in another country.

Not telling us about any pre-existing medical conditions may affect the validity of your policy should you need to claim.

Find out more about what you need to declare on your travel insurance and the medical screening process.

What will be asked will depend on your personal health circumstances, but the questions asked about arthritis may include:

- What type of arthritis do/did you have?
- How many (if any) unplanned hospital admissions have you had for this condition in the last year?
- How many (if any) medicines do you take for this condition?
- How many (if any) joint replacement or joint resurfacing operations have you had?
- If you’ve had one, has your joint replacement ever dislocated?
- Are you waiting for further joint replacement surgery?
- Have you needed treatment for any neck or back problems?

If you are awaiting surgery or investigation for your arthritis, you might feel that a holiday is just what the doctor ordered.

Most surgeries, treatments and investigations related to arthritis are on our list of accepted surgeries - such as joint replacements. This means that we can offer full cover apart from the Cancellation and Curtailment section of our policy, as long as you’re not travelling against the advice of your doctor.

If you are awaiting surgery or a procedure that isn’t listed, we may still be able to offer cover, but it may not cover your arthritis or other pre-existing medical conditions.

If you have covered your pre-existing medical conditions on your policy, you can be covered for emergency treatment if you were to have an accident while using a mobility scooter.

But, we can’t cover you for the following:

- Personal Accident (if you become permanently disabled, lose a limb, sight or hearing)
- Personality Liability (if you are responsible for injuring a third party or damaging property)
- The mobility scooter itself (there is no personal belongings cover if it is lost or damaged)

To be covered for COVID on our policies, you need to have had all doses of the COVID vaccine you’ve been offered, including any booster jabs.

You can also be covered if you can’t have the vaccine due to a medical exemption.

If you’ve refused any doses of the COVID vaccine you won’t be covered for COVID related claims.

You can make changes to your policy before your trip starts, subject to the T&Cs of your policy.

If you need to update your medical details or add any optional extras, please login to your My Staysure account. You might need to pay an extra premium if your medical changes.

Please note, we can’t reduce your cover in return for a partial refund. So, check you’re happy you’ve got the right level of cover when you take out your policy.