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Can I get travel insurance if I’m awaiting surgery?
When you’re awaiting surgery or undergoing treatment for a condition, a trip away might be just what the doctor ordered. A change of scenery can do wonders – but before you book, it's important to check your travel insurance options.
As specialists in medical travel insurance, we may be able to cover you if you’re:
fit and able to travel
not travelling against medical advice
not planning treatment or medical appointments abroad
This applies whether you’re waiting for certain surgeries or awaiting sign-off after a recent procedure. Find out what level of cover you can get, call us for free to speak to our friendly team.
Why get travel insurance with Staysure while awaiting surgery?
Choose Britain’s no.1 travel insurance provider.
Get round-the-clock support from our 24/7 medical emergency team.
Enjoy no-excess emergency medical cover on our Signature policy.
Travel with confidence – over 12 million people already have.
How to get Staysure travel insurance when on a waiting list
To get cover, you’ll need to let us know about any pre-existing conditions – including if you’re waiting for surgery or test results – when you get your quote.
1. Call our team
For the best service and support, call our specialists. They'll guide you with care through the next steps.
2. Tell us about your trip
When you speak to us, we’ll ask a few questions about your trip, including:
if you need cover for one trip or multiple trips
who the insurance is for
where you’re going and how long for
3. Let us know about your upcoming surgery
Our simple medical screening helps us understand you better. Some of the things we’ll ask about include any:
pre-existing conditions
surgeries you’re waiting for
surgeries you’re waiting for discharge from
4. Get your quote
Once we’ve got the details we need, we’ll talk you through your quote.
You’ll hear the prices for all three levels of cover – Basic, Comprehensive, and Signature – and we’ll explain what’s included. We’ll also let you know about any optional add-ons that could suit your trip, like Cruise Cover Plus or winter sports.
There may be cover exemptions relevant to your awaited results or surgery. Please check your policy carefully to see what you’re covered for.
Steroid injections into joints (not of the spine or neck)
Blepharoplasty (Ptosis repair)
Cataracts
Laser vision correction
Strabismus correction
Trabeculectomy (no blurriness and not flying within 60 days)
Retinal detachment (no blurriness and not flying within 60 days)
Adenoidectomy
Audiogram
Cauterization of the nose
Ectropion repair
Entropion repair
FESS (Functional endoscopic sinus surgery)
Myringoplasty
Reduction turbinates of nose
Septoplasty
Septo-rhinoplasty
Tonsillectomy
Appendectomy
Diagnostic laparoscopy
Laparoscopic repair of hiatus hernia
Laparoscopic repair of inguinal hernia
Laparoscopic repair of umbilical hernia
Removal of a thyroid nodule
Thyroidectomy for non-cancerous disease
Colposuspension
Endometrial sampling
Myomectomy
Repair of vaginal prolapse
Removal and incision of contraceptive implants
Circumcision
Correction of hydrocele
Excision of epididymal cyst
Cryotherapy for basal cell carcinoma of the skin
Cryotherapy for skin tag
Cryotherapy for skin wart
Excision of basal cell carcinoma of the skin
Excision of benign skin cyst
Excision of benign skin lesion
Excision of ganglion
Excision of skin tag
Excision of skin wart
Simple mole removal (no larger than 2cm)
Minor wounds not requiring stitches – no infection
Debridement of burn injury (covering an area smaller than a tennis ball)
Endovenous laser treatment of varicose vein(s)
Injection to treat varicose veins
Varicose vein ligation
Varicose vein stripping
Haemorrhoidectomy
Injection to treat Haemorrhoids
Evacuation of perianal haematomas
Tooth Extraction (excluding wisdom teeth)
Carpal Tunnel Syndrome
Injection to treat Carpal Tunnel Syndrome
Ingrown toenail repair
Toenail removal
Broken toe(s) (but can walk with a shoe on)
Ultrasonic or laser treatment for kidney stones under 4mm
Travel insurance after surgery
We know recovering from surgery or waiting for your doctor to discharge you from their care or give you “the all-clear" can feel like a hurdle when planning a trip. But don’t worry, there’s still a chance we can cover you.
If your surgery is listed above:
If you’re still waiting to be discharged from your surgery, we can cover you for all sections of the policy – apart from repatriation, medical expenses, cancellation or curtailment (cutting your trip short) if they’re caused by the procedure itself or the condition that led to it.
You’ll still be covered for any other pre-existing medical conditions, as long as they’re declared when you get your quote.
You’ll also be eligible for medical claims that aren’t related to your health history – such as needing treatment for a fall while you’re away.
If your surgery isn’t listed above:
If you’re waiting to be discharged from a surgery that isn’t listed above, you won’t be covered for medical expenses, cancellation, repatriation or curtailment (cutting your trip short) if they result from that surgery or any other pre-existing medical conditions.
You can, however, still be covered for medical claims that aren’t linked to your health history – for example, if you break your leg while travelling.
Requirements for travel insurance after surgery
To get covered, you’ll need to pass our medical screening and declare all pre-existing conditions to us.
If you’re waiting to be discharged from a recent surgery, you’ll also need to make sure that:
all surgical wounds are fully healed and no longer need a bandage or dressing
all external stitches, sutures, or staples have been removed
there have been no complications or infections after the procedure
your mobility is no worse than it was before you had the procedure
you get a letter from your GP (doctor) confirming that you are medically fit enough for your trip. Please note that your GP may charge for this – it isn’t a covered expense.
you understand that this policy will not cover the cost of any follow-ups required during the insured trip
How much does travel insurance cost while on a waiting list?
Our offer is tailored to your individual health and travel plans. This includes:
any pre-existing conditions
any results you’re waiting for
any surgeries you’re waiting for
any surgeries you’re waiting for discharge from
To discuss your tailored quote, call us to speak to our friendly team today.
Proud to be a part of BIBA's medical directory
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Flexible cover add-ons to suit you
Tailor your insurance to your trip with optional add-ons. Everything you need, covered under one policy.
A trip can be a great time to reset, relax, and organise your thoughts.
“This can be especially important if you’re waiting for surgery or results. With your doctor’s approval and the right travel insurance, you can take the time to step away from everyday life that may be much needed after a recent change in health.
”
Excellent 4.7 | 472,697 reviews
The UK's most trusted travel insurance
Customers give us twice as many 5-star reviews as any other travel insurance company.
Easy to renew
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Janet,
Renewal quick and easy
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Good experience and reliable
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Mr Roy Quipp,
Other conditions we cover at Staysure
We’re experts in travel insurance for pre-existing health conditions. Just let us know your conditions when you fill out your quote, or contact us to amend an existing policy.
When you’re awaiting surgery, being prepared can help you travel with some peace of mind.
Pre-travel checklist for travelling while awaiting surgery
Speak to your GP or surgeon to make sure you’re fit to travel and guidance on booking a trip suited to your needs.
Prepare any necessary documents about your surgery and health condition for your travel insurance provider.
If you’re taking any medication, leave plenty of time to prepare enough supplies for your entire trip, with extras in case of delays or lost baggage.
Check the rules on travelling with medication with the embassy of the country you’re going to and whether you need a signed doctor’s letter, which may incur a cost not covered by travel insurance.
If you travel with any equipment, such as mobility aids or portable oxygen, contact your airline in advance to make the necessary arrangements.
Find out the location of local healthcare and emergency services in the area you’re going to and how to use them, including contact numbers.
Let your doctor know where you’re staying and how to contact you while you’re away.
If you’re travelling in Europe, get a GHIC – remember, this doesn’t replace travel insurance.
Beth Craig
Travel insurance expert
Navigating travel insurance while waiting for surgery or results can feel complicated - but it doesn’t have to.
“We aim to make things as simple and clear as possible, and we aim to help you find the best possible cover for your needs. Our team are always ready to answer your questions and guide you through your options.
”
Tips for travelling when you’re waiting for surgery
Some tips to help your trip be as pain-free and comfortable as possible:
Break up your travel time – avoid long journeys if possible, and choose flights with layovers or plan several rest stops if driving.
Take breaks – don’t overload your schedule and get plenty of rest when you need it.
Wear loose-fitting cotton clothes and lightweight, breathable walking shoes with a well-cushioned sole for support.
Use supportive luggage – consider suitcases you can push or backpacks with proper back support.
Do simple stretches to start and end your day to help prevent muscle strain and stiffness.
Always speak to your doctor before you go for advice tailored for your condition and needs.
A trip can be a great time to reorganise your thoughts and feelings, which can be especially important when you’re on a waiting list. Here are some things you can do for some peace of mind while you’re away:
Plan ahead – plan travel routes and book tables at restaurants in advance to avoid feeling rushed.
Stay hydrated – drink plenty of fluids but try to avoid too much caffeine and alcohol.
Get a good night’s sleep – book a room off busy main streets or invest in an eye mask and ear plugs.
Prepare a self-care kit – pack a small bag with things that give you comfort like your favourite book or a journal.
Stay connected with loved ones – communicate your needs to those you’re travelling with but also send some photos and videos home every now and again.
If you find yourself getting overwhelmed, stop what you’re doing and try some breathing exercises to help you relax.
Common questions for travelling while awaiting surgery or diagnosis
You might be able to get travel insurance if you’re awaiting a diagnosis. But we will not be able to cover any claims related to any of your pre-existing or undiagnosed medical conditions.
You can still be covered for medical emergencies and cancellations. So long as they are not related, directly or indirectly, to your pre-existing or undiagnosed condition.
You’ll still be covered for non-medical claims including travel delays, and lost or damaged baggage.
If you’d like to know more, please give a friendly member of our team a call.
If you’re waiting for an operation on our list of covered surgeries, you may still be able to get travel insurance.
We just won’t be able to cover you for cancelling or cutting your holiday short because of the condition you’re awaiting surgery for.
But, depending on the operation, we could cover you for other medical expenses relating to your condition, such as emergency repatriations (needing to be sent home).
Take a look at the list of operations we can cover you for above, or speak to a member of our friendly team over the phone for more information.
This depends on what surgery you’re waiting for and what condition you’re having surgery for.
Before you book a trip, always talk to your doctor or surgeon and follow their advice.
If you’re travelling against the advice of a doctor, we won’t be able to cover you if you need to make a claim.
Always talk to your nurse before you go so that you know how to properly take, store, and dispose of any medication you’re taking with you.
Some general tips for managing medication on your trip:
Keep them in their original packaging with copies of prescriptions.
Pack them in both your bag and suitcase in case any luggage is lost or delayed.
Prepare enough for the entire trip with extras in case of delays, and that they’re in date.
Set an alarm on your phone – it’s easy to forget when you’re away from home and your usual routine.
If they need to be taken on a fixed schedule and you’re travelling to a new time zone, speak to your nurse about changing your schedule to match the local time.
In an emergency, contact the local emergency services first, and then call our 24-hour emergency helpline. Our team will help arrange your care, find the most appropriate place for treatment and follow up care.
If you or someone on your policy is admitted to hospital or your outpatient treatment is likely to cost more than £350, contact us as soon as possible. Where you have a valid claim, and your medical expenses exceed £350 we will look to settle the bill directly with the medical provider where possible.
If you have a non-urgent medical concern, such as sickness, headaches, or mild pain, contact our helpline first for advice on where to go for assistance.
As good as travel insurance is, there are some things that can’t be covered.
You’re not covered for:
travelling against your doctor’s advice
claims for pre-existing medical conditions you haven’t told us about
routine check-ups, planned treatment or non-emergency care
travel for medical procedures abroad
reimbursement for lost, damaged or stolen medicines or equipment
incidents related to alcohol or controlled substances
strike action that was common knowledge at the time of booking
choosing private treatment when suitable public facilities are available
choosing not to travel
Discover more on what travel insurance covers. Always check your policy documents carefully to understand exactly what you’re covered for.
When comparing travel insurance policies for awaiting surgery, you’ll want to look out for what’s covered and what’s not.
The right travel insurance for awaiting surgery should:
agree to cover your circumstances
cover medical expenses
have a high medical cover limit
help you to replace lost, stolen or damaged medications
cover you for cancellations or interruptions during your trip
include 24/7 emergency assistance services while abroad
Learn more about what’s covered under our medical insurance for pre-existing medical conditions, or get a quote.
By your side in an emergency abroad, day or night
