Hip replacement travel insurance

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

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

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:

Osteoarthritis
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
Other 

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

2. Complete our simple medical screening process

3. Get your quotes

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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.

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