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Travel insurance while awaiting medical investigation or surgery

Find out what level of travel insurance you can get while you’re undiagnosed or awaiting surgery.

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  • Awaiting Surgery
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Getting the right cover

Can I get cover?

If you can answer all of the following questions with a ‘yes’, we may be able to cover you if you’re awaiting a diagnosis or surgery:

  • You’re fit and able to undertake your planned trip.
  • You’re NOT travelling against the advice of a doctor (or would be travelling against the advice of a doctor had you sought their advice).
  • You are NOT travelling with the intention of having medical treatment, tests or consultation abroad.
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Peace of Mind at a Competitive Price.

I can thoroughly recommended Staysure for anyone with pre-existing medical conditions even if you are awaiting investigations. They were very helpful and friendly and the premiums are very competitive. Thank you Staysure - I was worried our travelling days were over but you showed us this wasn't the case. - Diane

Read this review on TrustPilot

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.

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© 2023 Staysure
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Staysure is a trading name of TICORP Limited. Staysure Travel Insurance is arranged by TICORP Limited which is registered in Gibraltar company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is authorised and regulated by the Gibraltar Financial Services Commission and trades into the UK on a freedom of services basis, Financial Conduct Authority FRN 663617.

Staysure Travel Insurance is administered by Howserv Limited which is registered in England and Wales number 03882026. Registered office: Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.

We receive payment from the Insurer for the sale, service and renewal of your insurance policy. This payment is included in the premium you pay and is not an extra fee. Our staff may receive monthly or periodic rewards and bonus payments for their performance. This is based on various targets, including the quality of service provided to you, and is designed to ensure they act in your best interests.