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Hip replacement cover from AllClear

Hip replacement travel insurance covers you if you have had a hip replacement and wish to travel with confidence. This type of insurance covers you for medical emergencies, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are on holiday.

What does hip replacement travel insurance cover?

When you’re shopping for your insurance, it’s vital to declare your hip replacement (and any other pre-existing medical conditions) if it’s within the medical warranty. That way you’re fully covered for*:

  • Unplanned medical treatment claims
  • The user of a 24 hour emergency medical assistance line from abroad

* Providers vary so check the cover limits of the policy you intend to purchase.

Should you declare your hip replacement on your travel insurance?

The simple answer is yes, providing it fits within the medical warranty. Declaring any pre-existing medical condition ensures you are offered comprehensive travel insurance policies tailored to your needs.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Recuperation stay
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

What does travel insurance for hip replacement cover?

It’s important to declare your hip replacement if it falls within the medical warranty, in case you need medical treatment for it while you’re away.

Providing you have fully declared your hip replacement, a comprehensive policy should cover you:

  • To use a 24 hour emergency medical assistance line from abroad.
  • To claim for any unplanned medical treatment and replacement medication*.

*Providers will vary, so do check the cover limits of the policy you intend to purchase.

You will need to declare a medical condition if you or anyone else insured on the policy have:

  • Ever received treatment for any respiratory conditions (relating to lungs or breathing), heart conditions, any neurological conditions (including stroke and epilepsy), cancer, blood circulatory conditions, any diabetic conditions, any renal, liver or kidney conditions, any psychiatric or psychological conditions (including anxiety, stress and depression).
  • Any medical condition for which you have received surgery, in or out-patient treatment, tests or investigations in a hospital, clinic or GP surgery within the last 24 months.
  • Any medical condition for which you have been prescribed medication in the last 5 years.

Frequently asked questions

You're on a waiting list for hip replacement surgery, are you still able to get cover?

If you’re waiting a hip operation, you can still  get a quote. Please declare the condition for which you are awaiting a hip replacement, for example osteoarthritis, instead of hip replacement itself.

As standard on the policy, you will not be covered for outcomes of operations/procedures, you also will not be able to claim for cancellation/curtailment should the appointment arise and interfere with your holiday.

However, with certain policies, you can buy waiting list cover as an optional extra.

You're awaiting a hip replacement but it is not due to a medical condition, accident or injury. What will you declare?

If you’re awaiting a hip replacement and it’s not due to accident or injury just wear and tear, simply search ‘wear and tear’ and ‘Wear and tear of joints’ will appear. Select this to declare it.

You’ve recently had a hip replacement due to your arthritis. Do you need to declare your medical condition separately?

If you’ve already had the hip replacement, simply declare ‘hip replacement’ and you’ll be asked relevant questions about this.

Important information about travel insurance following hip replacement

As part of our quote process, you’ll be asked to provide information about your previous and current state of health.

You will first be asked why your hip replacement was performed and you can select your answer from the drop down list. The options are:

Wear and tear
Rheumatoid arthritis
Osteo and rheumatoid arthritis
Psoriatic arthritis
Reiter’s syndrome
Septic arthritis
Juvenile arthritis
Accidental injury or trauma
Don’t know

Once you’ve selected an answer  to the first question, you’ll be asked the following questions.

  1. How many joint replacement or joint resurfacing operations have you had?
  2. Do you currently use any mobility aids because of your joint problem?
  3. Are you waiting for further joint replacement surgery?
  4. Has your joint replacement ever dislocated?
  5. Have you needed treatment for any neck or back problems?

This information will then be used to determine your premium (the amount of money you pay for your insurance). We then search our panel and list suitable quotes in price order for you to review.

My medical situation has changed but I’ve already purchased my policy. Am I still able to change something?

Yes, you are able to make changes to your policy after purchase, however, you must notify us at the earliest opportunity and in particular before you book or commence your trip.

For changes to your original medical declaration, just call our Customer Care Team and they will be happy to make any adjustments. Please note that in some cases an additional premium may be applied to your policy to make these changes. Please check your policy wording as providers may vary.

  • If you experience unexpected pain or complications following your hip replacement, your policy will ensure you’re fully covered.
  • That’s why the medical questions throughout the quote process are designed to get the information needed to offer cover.
  • This enables us to offer fair premiums with a policy that specifically meets your individual needs.

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

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Travelling after a hip replacement

If you’ve had a hip replacement, you may need to  plan your holiday further in advance and consider a few things before you set off to ensure your holiday is relaxing and enjoyable. We have put together these tips on travelling after a hip replacement which you might find helpful.

When can I fly after a hip replacement?

  • If you’ve had a hip replacement, you could be at an increased risk of deep vein thrombosis (DVT) during long-haul travel. Speak to your doctor for tips on how to reduce your risk. Doing gentle leg and foot exercises can reduce your risk as can having a walk around the airplane. Compression stockings may also be a good idea for reducing the risk of DVT.
  • Your doctor can also arrange for extra medication if you are on any, in case of delays or lost luggage.

Make the most of assistance if you need it

  • Ensure you book mobility assistance if you find walking long periods a strain on your body. Mobility assistance can range from wheelchair rental to help with baggage. You may also receive additional help through security and for boarding your plane or train. These services very often need to be booked in advance, so ensure you plan this before you travel.

Let your airline know of your surgery

  • Be sure to inform your airline about your hip replacement before you travel. If possible they may seek out alternative seating for you for free so it’s worth asking. If you don’t manage to change seats, they may be able to offer additional support such as pillows or blankets, or at least ensure you have the room to walk about the cabin if needed.

Take it easy

  • Use a cane or walking aid if you need it – you may find you’ll be able to walk further with one, which means more opportunity to get out and about. Listen to your body’s signals too – if you start feeling pain, aches, or twinges it’s a sign you need to find a comfortable chair and relax for a while.

What happens if I have a fall?

  • It’s important to have hip replacement travel insurance to cover you should you have an accident while on holiday. If the worst should occur, you’ll have the support of your provider’s emergency medical assistance team who you can contact through a 24 hour emergency helpline.

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Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 8 March 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.