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Having a joint replacement is quite a common and fairly routine operation, so shouldn’t affect you getting the cover your need. But it is important that you declare it on your travel insurance. After all, after having had a hip or knee replacement, going on holiday may seem like a great chance to relax.
Having the right travel insurance in place can give you peace of mind, so you can go away with the reassurance that if the worst happens, you’ve got our support.
We like to do things the right way, helping people to tailor a policy that suits their individual needs. Maybe that’s one of the reasons we ‘re the Most Trusted Travel Insurance Provider.*
Find out more about how our travel insurance can protect you when travelling after a joint replacement.
When you’re ready, you can either get your quote online or call our friendly team on 0800 033 4902.
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It’s important you declare your joint replacement, as a cause of arthritis or any other pre-existing medical condition you may have, when taking out a policy with us.
You can declare your medical condition through our online medical screening process, which is a straightforward set of questions for us to understand how your medical conditions affect you. Or, if you prefer, you can complete the medical screening over the phone.
It’s important that all pre-existing conditions are declared on your medical travel insurance policy. This will avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.
| Basic | Comprehensive |
|---|---|
| Medical emergencies and repatriation | |
| Up to £5 million | Unlimited |
| Cancellation | |
| Up to £500 | Up to £5,000 |
| Cutting your holiday short | |
| Up to £500 | Up to £5,000 |
| Baggage claims | |
| Up to £300 | Up to £2,500 |
| Cash lost or stolen | |
| Up to £250 | Up to £500 |
| Personal liability | |
| - | Up to £2 million |
| Legal protection cover | |
| - | Up to £25,000 |
| End Supplier Failure | |
| - | £3,000 |
| Excess | |
| £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
| Basic | Comprehensive | |
|---|---|---|
| Medical emergencies and repatriation | Up to £5 million | Unlimited |
| Cancellation | Up to £500 | Up to £5,000 |
| Cutting your holiday short | Up to £500 | Up to £5,000 |
| Baggage claims | Up to £300 | Up to £2,500 |
| Cash lost or stolen | Up to £250 | Up to £500 |
| Personal liability | - | Up to £2 million |
| Legal protection cover | - | Up to £25,000 |
| End Supplier Failure | - | £3,000 |
| Excess | £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
Even though you had your surgery over 2 years ago, if you’ve had any follow-up appointments, you need to declare the underlying condition on your travel insurance.
If you are awaiting a joint replacement, we will be able to cover you for everything except cancellation or cutting your holiday short, as a result of your underlying condition.
If you are awaiting a joint replacement, you will need to declare the underlying condition the surgery is for - including wear and tear. We will then ask questions relating to the condition, where you’ll need to disclose that you are awaiting surgery for the condition.
For more information, please see our awaiting surgery page.
If you’ve had your surgery but haven’t been signed off yet, then we can still offer you cover but it wouldn’t include being flown home in the case of a medical emergency that was related to your underlying condition.
Things go wrong on holiday more often than we’d like to think, with 1 in 20 people claiming on their travel insurance in 2018.***
Having proper cover in place for joint replacements can make sure that if the worst happens, you’ve got our support.
From a medical emergency to flight delays or lost luggage, it’s sensible you’re covered properly for your holiday. Just to be on the safe side.
Isn’t it worth doing right?
The questions we’ll ask you about your joint replacement will vary depending on your personal circumstances. But the kind of questions you can expect include:
It’s important that you speak to your doctor before travelling, to check when it’s safe for you to travel. Make sure you inform your doctor of any activities you’re planning on doing while you’re away, to get their go-ahead that it would be safe for you to participate.
If you're planning on flying, it's really important that you speak to your doctor about how to reduce your risk of DVT. Your risk of getting DVT is highest two to 10 days after surgery, but you will remain at a higher risk for about three months.****
Each airline has its own regulations as to when you are safe to fly with them, so it’s always best to check beforehand.
You will be medically covered if you have an accident when using your mobility scooter if you have fully covered your pre-existing medical conditions.
But we can't provide Personal Accident cover (if you become permanently disabled or lose a limb, sight or hearing) or Personal Liability (for injury to a third party or damage to property) if an accident occurs when using a mobility scooter.
Please note: we are not able to cover the mobility scooter itself if it is lost or damaged.
Whenever you need us, our 24/7 claims team is here for you.
View claims information95%
of claims paid in 5 working days^* Based on most ‘Excellent’ Trustpilot reviews of any travel insurance provider.
** Winner of the British Travel Awards 2016-2020
*** As provided by our underwriter
**** NHS - When Can I Fly After Surgery?
Based on more Trustpilot reviews than any other travel insurance provider.
