Joint Problems Travel Insurance

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:

• Why was the joint replacement or resurfacing performed?
• How many joint replacement or joint resurfacing operations have you had?
• Does this condition require you to use any mobility aids?
• Are you awaiting any joint replacement and/or resurfacing surgery?
• Has your joint replacement ever dislocated?
• Have you ever needed treatment for any neck or back problems?
• How many unplanned hospital admissions have you had for this condition in the last 12 months?
• How many medicines do you take for this condition?

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.