Hip replacement travel insurance
If you’ve had a hip replacement operation due to arthritis, a femur fracture, bone tumours or other reasons, getting comprehensive travel insurance is a must before you go abroad. As AllClear is a specialist in hip replacement travel insurance, we can ensure you’re fully covered for your trip.
It’s also important to take out the right cover in case you need to cancel your trip because of your medical condition.
The key benefits you can get
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- All ages. All medical conditions. All destinations.
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?
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
Osteo and rheumatoid arthritis
Accidental injury or trauma
Once you’ve selected an answer to the first question, you’ll be asked the following questions.
- How many joint replacement or joint resurfacing operations have you had?
- Do you currently use any mobility aids because of your joint problem?
- Are you waiting for further joint replacement surgery?
- Has your joint replacement ever dislocated?
- 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.
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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.
- If you’ve had a hip replacement you’re advised not to fly for three months after surgery to reduce the risk of complications.
- 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.