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Can I get travel insurance?

Cancellation cover

Up to £7,500 per person with our Deluxe policy.

24/7 medical support

Practical help when you need it.

You’re in control

View and update your policy online in your own time.

Unlimited medical expenses

Generous emergency medical cover with our Deluxe policy.

Can you be covered with an Avanti Travel Insurance policy?

Getting travel insurance for your next holiday can feel like a minefield. From working out what you do and don’t need to declare, to when you can and can’t be covered, it can feel daunting.

So, we’ve put together this easy guide to make things as straightforward as possible when it comes to covering your medical condition with travel insurance.

Here, you’ll find out if we can cover you, and your health conditions, with our travel insurance.

To make it easier for you to get travelling again, we’ve even teamed up with Randox Health to give you 10% off Covid-19 tests when you buy a new travel insurance policy with us.

Flexibility to change details online

When you buy a policy from us, you can manage it yourself by logging in to your My Avanti account. Here you can:

  • access policy documents
  • update traveller details
  • change your single trip dates (limits apply)
  • renew an annual policy if you have no changes to make
  • and more.

If you have questions about Covid-19 and how it affects your holiday plans, visit our Covid-19 help page.

Arthur on segway

It's not just travel insurance, it's travel reassurance!

Travel insurance that’s with you all the way - so you’ll be ready to roll, wherever your holiday takes you.

That’s Travel Reassurance!

Before we can offer you travel insurance, we need to make sure you’re safe to travel.

As long as you can answer yes to all three statements below, you should be able to get an Avanti Travel Insurance policy:

✔ I am fit and able to undertake my planned trip.
✔ I am NOT travelling against the advice of a doctor (or would be travelling against the advice of a doctor had you sought their advice.)
✔ I am NOT travelling with the intention of having medical treatment, tests or consultation abroad.

If you have answered no to any of the above, we unfortunately can’t cover you with travel insurance. You can contact The British Insurance Brokers Association (BIBA) who may be able to assist you in finding travel insurance that can cover you.

Table of benefits

Cancellation and cutting your holiday short£1,000£5,000£7,500
Medical emergency and repatriation£5 million£10 millionUnlimited
Discounted Covid-19 tests10% off10% off10% off
Personal baggage£1,000£2,000£3,000
Missed departure-£1,000£1,500
Money and passport cover£300£500£600
Personal liability£2 million£2 million£2 million

Do I need to have had both my Covid jabs to be covered?

As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.

If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.

What do I need to tell you about?

It’s important you tell us about any pre-existing medical conditions you have, or have had in the last two years, so you’re properly covered by your travel insurance.

If you forget to tell us any of your medical history, this could make your policy invalid if you needed to claim further down the line.

If you’ve ever had any heart or circulatory conditions, or symptoms, you need to let us know.

What do I do if I have any undiagnosed symptoms?

If you have any undiagnosed symptoms, we can offer you travel insurance but can’t cover you for anything related to any of your pre-existing health conditions. Don’t worry, we’d still be able to cover you for things like lost luggage, flight delays and medical emergencies not related to any of your pre-existing health conditions or undiagnosed symptoms.

The level of cover you can get will depend on where you are in your diagnosis and treatment journey. To get your quote, give a member of our friendly team a call today.

What do I do if I’m awaiting surgery?

We may still be able to cover you (except for cancellation and cutting your holiday short) if your surgery is listed below.

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
Blephoplasty (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 of contraceptive implants
Digital excision arthroplasty Repair of vaginal prolapse
Dupuytren’s repair Retinal detachment (no blurriness and not flying within 60 days)
Ectropioan repair Septoplasty
Endometrial sampling Septo-rhinoplasty
Endovenous laser treatment of varicose vein(s) Simple mole removal (no larger than 2cm)
Entropian 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 you’re having a medical procedure or surgery that’s not listed above, or waiting for more than one on the above list, then we may still be able to offer you travel insurance. But it wouldn’t cover you for any medical emergencies related to any of your pre-existing health conditions.

I’ve recently had surgery but I haven’t been signed off yet…

My surgery isn’t listed above:

If your surgery or treatment isn’t listed in the above table, we won’t be able to cover you for any medical expenses, including the costs of getting you back to the UK from your destination that was related to your health condition. If you had an unrelated medical emergency, then you would still be covered.

My surgery is listed above:

If your recent surgery or treatment is listed above, we can cover you with travel insurance (excluding medical expenses and repatriation for the condition you had surgery for.)

If your surgery/treatment is listed above, and you are awaiting the sign-off from follow-ups related to your procedure, you’ll need to 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.

You’ll need to talk to us over the phone when you get your quote, if you haven’t been signed off yet, so we can make sure your travel insurance reflects you and your medical history.

Let's get your Avanti Travel Insurance

Talk to us today on 0800 888 6195. Or, you can get a quote online.

Get your quote