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.
Cover for COVID-19
Medical expenses, repatriation and cancellation cover available.
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.
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
| Essentials | Classic | Deluxe | |
|---|---|---|---|
| Cancellation and cutting your holiday short | £1,000 | £5,000 | £7,500 |
| Medical emergency and repatriation | £5 million | £10 million | Unlimited |
| 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 |
| Excess | £150 | £75 | nil |
Take a look at our policy documents, for full details of what is and isn't covered by travel insurance.
Important Documents
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 | Arthroscopic ligament repair |
| Arthroscopy of ankle, knee or hip | Audiogram |
| Blephoplasty (Ptosis repair) | Carpal Tunnel Syndrome release |
| Cataracts removal | Circumcision |
| Colposuspension | Correction of hydrocele |
| Digital excision of arthroplasty (hammer toe repair) | Dupuytren’s repair |
| Endovenous laser treatment of varicose vein(s) | Excision of benign skin cyst |
| Excision of benign skin lesion | Excision of skin tag |
| Excision of skin wart | Ectropion or Entropion repair |
| Excision of basal cell carcinoma of the skin | Excision of epididymal cyst or ganglion cyst |
| FESS (Functional endoscopic sinus surgery) | Hip or knee replacement |
| Ingrown toenail repair | Toenail removal |
| Laparoscopic repair of hiatus hernia or inguinial hernia | Myringoplasty |
| Osteotomy for hallux valgus | Reduction turbinates of nose |
| Septoplasty or Septo-rhinoplasty | Strabismus correction |
| Thyroidectomy for non-cancerous disease | Tonsillectomy |
| Varicose vein ligation or 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.