Are planned surgical procedures prior to a trip covered?

To be covered for planned procedures, the Medical History question ‘have you been currently put on a waiting list for treatment or investigation?’ must be answered as yes. The medical condition for which the procedure is planned must also be declared on the policy.

If anything changes for this (or any other) medical condition after you buy your policy and before the start of your trip you must contact your insurance provider as it may affect your cover.

You would not be covered if you are given dates for the procedure which are during your trip.

If you are going to require treatment for an undiagnosed condition, we would be unable to offer a quote for cover. We can only offer quotes based on you having a confirmed diagnosis at the time of getting a quote.


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