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If you’ve recently had a joint replacement, on your knee, ankle or hip, then having a nice relaxing holiday might be just what the doctor ordered to boost your recovery.
As specialist providers of travel insurance for pre-existing medical conditions, we know that having a joint replacement shouldn’t stop you from seeing as much of the world as you want to. In fact, taking a relaxing holiday in a warmer climate might be the perfect way to get used to your joint replacement at your own pace.
We consider all medical conditions for our travel insurance, including joint replacements, so you can enjoy your holidays worry-free with great cover.
Find out more about why you should choose our travel insurance below and when you’re ready, you can click the get a quote button to get a quote and pay online in minutes. Or if you’d rather speak to us, you can call our UK contact centres for free on 0800 888 6195.
When you’ve got Avanti Travel Insurance, if something does go wrong - we'll always aim to put it right. Good to know, especially if you’re travelling with pre-existing health conditions.
That’s Travel Reassurance!
Yes, it is essential for you to declare your joint replacements and any other pre-existing medical conditions when you are getting travel insurance, so these can be considered in your cover.
With our cover, if you’ve had an operation or any other contact with medical professionals in the past two years about your replacement, then you must declare it.
With our specialist medical travel insurance, we consider all of your pre-existing conditions. Covering your recent joint replacement will mean that if something unexpected happens, such as a fall, you could be covered for medical expenses or having to cancel your holiday plans. By not declaring your joint replacement, you may not be covered in the event of a claim.
By telling us about the nature of your joint replacements, and any other pre-existing medical conditions you may have, we can build cover that meets your individual needs.
|Cancellation and cutting your holiday||£1,000||£5,000||£7,500|
|Medical emergency and repatriation||£5 million||£10 million||Unlimited|
|Money and passport cover||£300||£500||£600|
|Personal liability||£2 million||£2 million||£2 million|
When applying for our cover, we’ll ask you a few multiple choice questions to help understand more about your replacement joint and how it affects your daily activities.
We’ll always respect your confidentiality and use the information to help cover you properly.
Here’s a few questions we commonly ask:
If you need either a hip, ankle or knee replacement but haven’t yet had your surgery then we may be able to provide you with cover.
If you’re waiting for this type of surgery, we can offer cover for medical expenses including the cost of getting you back home, baggage loss and all other policy benefits. We would not be able to cover you for any cancellations or having to cut your holiday short if it’s caused by your joints.
If you want to find out more about the surgery that we can offer cover for, you can visit our awaiting surgery page for more information.
As part of our insurance, your doctor must declare you to be fit and safe to travel. If a doctor has advised against you travelling, then your policy will not be valid.
Doctors usually advise that you shouldn’t travel long-haul for six weeks after joint replacement surgery, so it’s best to check this before you make plans to travel.
If you do travel, and a medical professional has declared it safe for you to do so, it’s a good idea to wear specialised anti-embolism compression stockings or tights to support the lymphatic drainage of the leg and, do in-flight exercises, to avoid getting DVT (deep vein thrombosis). It’s also important to keep hydrated, particularly on long-haul flights, so take plenty of water with you as this can also help you avoid getting a DVT.
Also remember to take a note with you from your doctor detailing any medical procedures you have had and the name and dosage of any medication you are required to take for any of your pre-existing medical conditions.
You may also need to make special arrangements with the airline or your travel company if you need special assistance during your flight.
It might seem like a good idea to buy separate travel insurance that covers your joint replacement. Did you know that as well as sometimes being cheaper, buying travel insurance as a family can have great benefits for all.
Buying your travel insurance together as a family means you have the benefit of being able to claim back the full amount per person for the holiday if you needed to cancel the trip due to a medical emergency, provided it was in the policy limits.
If you had purchased separate policies and needed to cancel the holiday due to a medical emergency, it might be that only the person that is having the medical emergency could claim back the full cost that they paid for the holiday.
So buying travel insurance together gives you added protection as well as reassurance in case you do need to cancel your holiday.
If you are planning a holiday or trip to Europe, you will need to get an EHIC as a condition of our travel insurance.
The EHIC is free and entitles you to free healthcare in most European countries when you use their state healthcare. Before you travel, check that your destination is covered by EHIC, so that you can be as prepared as possible in case you need any treatment during your holiday.
Your EHIC is not the same as having good travel insurance for your medical conditions and won’t cover you for things that go wrong, such as emergency transportation home. That’s where your travel insurance with pre-existing medical cover comes in. What your EHIC can do is reduce your medical costs where subsidised healthcare is available.
If you can use your EHIC, and you have had to pay a subsidised fee for your healthcare, we will remove the excess fee for your medical emergency claims.
Talk to us today on 0800 888 6195. Or, you can get a quote online.