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Cancellation cover

Up to £7,500 per person with our Deluxe policy.

24/7 medical support

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Unlimited medical expenses

Generous emergency medical cover with our Deluxe policy.

Travel insurance for medical conditions under investigation

If you’re in the middle of getting a diagnosis, undergoing treatment, or waiting for surgery, you’re probably eager to enjoy your next holiday with peace of mind.

Keep reading to find out what travel insurance you can get when waiting for a diagnosis.

Can I get travel insurance if I’m under investigation?
Undiagnosed conditions or awaiting test results
Medical procedures or surgeries we can cover
Recent medical procedures or surgeries awaiting sign off
What do I do if I have any undiagnosed symptoms?

Can I get travel insurance if I’m under investigation?

Have a read through these questions, and if you can answer “yes” to all of them, we may be able to cover you even if you’re awaiting a diagnosis or surgery:

✔ You’re fit and able to undertake your planned trip.

✔ You’re NOT going against the advice of a doctor (or would be if you’d asked)

✔ You are NOT travelling with the intention of getting medical treatment, tests or consultation abroad.

It's not just travel insurance, it's travel reassurance!

Travel insurance that’s with you all the way - so you’ll be ready to roll, wherever your holiday takes you.

That’s Travel Reassurance!

Undiagnosed conditions or awaiting test results

If you’re still waiting on a diagnosis, or awaiting test results, you don’t have to hit pause on that holiday you were planning. There’s a chance we might be able to cover your trip.

We could still cover you for other medical claims (not related to pre-existing medical conditions) or non-medical related claims such as travel delays, damaged baggage, lost money, passports and more.

We just won’t be able to cover you for any claims relating to any of your pre-existing medical conditions that are a result of your claim.

Medical procedures or surgeries we can cover

If you’ve recently had or you’re waiting on any surgery or a medical procedure that’s included in this list, we can cover you for your trip:

Adenoidectomy	Finger joint replacement
Appendectomy	Haemorrhoidectomy
Arthroscopic ligament repair	Hip replacement
Arthroscopy of ankle	Ingrown toenail repair
Arthroscopy of hip	Injection to treat Carpal Tunnel Syndrome
Arthroscopy of knee	Injection to treat Haemorrhoids
Aspiration of joints	Injection to treat tennis and golfer’s elbow
Audiogram	Injection to treat varicose veins
Blephoplasty (Ptosis repair)	Knee replacement
Broken toe(s) (but can walk with a shoe on)	Laparoscopic repair of hiatus hernia
Carpal Tunnel Syndrome	Laparoscopic repair of inguinal hernia
Cataracts	Laparoscopic repair of umbilical hernia
Cauterization of the nose	Laser vision correction
Circumcision	Minor wounds not requiring stitches – no infection
Colposuspension	Myomectomy
Correction of hydrocele	Myringoplasty
Cryotherapy for basal cell carcinoma of the skin	Osteotomy for hallux valgus (bunion)
Cryotherapy for skin tag	Reduction turbinates of nose
Cryotherapy for skin wart	Release of trapped nerve in shoulder
Debridement of burn injury (covering an area smaller than a tennis ball)	Removal of a thyroid nodule
Diagnostic laparoscopy	Removal and incision of contraceptive implants
Digital excision arthroplasty	Repair of vaginal prolapse
Dupuytren’s repair	Retinal detachment (no blurriness and not flying within 60 days)
Ectropioan repair	Septoplasty
Endometrial sampling	Septo-rhinoplasty
Endovenous laser treatment of varicose vein(s)	Simple mole removal (no larger than 2cm)
Entropian repair	Steroid injections into joints (not of the spine or neck)
Evacuation of perianal haematomas	Strabismus correction
Excision of basal cell carcinoma of the skin	Thyroidectomy for non-cancerous disease
Excision of benign skin cyst	Toenail removal
Excision of benign skin lesion	Tonsillectomy
Excision of epididymal cyst	Tooth Extraction (excluding wisdom teeth)
Excision of ganglion	Trabeculectomy (no blurriness and not flying within 60 days)
Excision of skin tag	Ultrasonic or laser treatment for Kidney stones under 4mm
Excision of skin wart	Varicose vein ligation
FESS (Functional endoscopic sinus surgery)	Varicose vein stripping

If you can’t find your procedure or surgery above, there’s still a chance we can cover you. You may be able to travel, but your cover may not include cover for your pre-existing medical conditions. To find out more, speak to our friendly team for free on 0333 577 5021.

Table of benefits

	Essentials	Classic	Deluxe
Cancellation and cutting your holiday short	£1,000	£5,000	£7,500
Medical emergency and repatriation	£5 million	£10 million	Unlimited
Personal baggage	£1,000	£2,000	£3,000
Missed departure	-	£1,000	£1,500
Money and passport cover	£300	£500	£600
Personal liability	£2 million	£2 million	£2 million
Excess	£150	£75	nil

Important Documents

Recent medical procedures or surgeries awaiting sign off

• My procedure or surgery is listed above

Are you waiting for a procedure or surgery?

If you are awaiting surgery and the procedure is listed above, we can cover you for all sections of the policy, apart from Cancellation and Curtailment (cutting your trip short).

You will not be covered for any claims if you need to cancel or cut your trip short as a result of your pre-existing health condition or procedure that you are waiting to be signed off by the doctor awaiting a procedure for.

You can still be covered for medical claims that are not related to your pre-existing conditions.

Are you waiting to be signed off after your surgery or procedure?

If you’re still waiting to be signed off by your doctor from your procedure, we can cover you for all sections of the policy, except for medical and repatriation expenses arising as a result of the procedure you are awaiting to be signed off from.

You can still be covered for medical claims that are not related to your pre-existing conditions.

Full cover will be provided except for medical and repatriation expenses arising as a result of, or related to, the procedure you are awaiting to be signed off from.”

• My procedure or surgery isn’t listed above

If you’re still awaiting a surgery/procedure or to be signed off by your doctor from a procedure that is not on the list above, you will not be covered for Cancellation or Curtailment (cutting your trip short) or Repatriation (getting you back to the UK in an emergency) as a result of the condition that you’re awaiting a procedure for.

Claims relating to your pre-existing health conditions will not be covered. But, you can still be covered for medical claims that are not related to your pre-existing conditions.

It’s a condition of cover that if you’re awaiting sign off or follow ups relating to a procedure that you make sure:

All surgical wounds have fully healed and don’t need dressing.
Any external stitches, sutures, or staples have been removed.
There’s no complications, or infections after the procedure.
Your mobility is at least as good as before the procedure.
Get a letter from your GP (doctor) confirming that you’re fit for the trip.
You understand this policy won’t cover the cost of any follow-ups needed during the trip.

• What do I do if I have any undiagnosed symptoms?

If you have any undiagnosed symptoms, we can offer you travel insurance but can’t cover you for anything related to any of your pre-existing health conditions. Don’t worry, we’d still be able to cover you for things like lost luggage, flight delays and medical emergencies not related to any of your pre-existing health conditions or undiagnosed symptoms.

The level of cover you can get will depend on where you are in your diagnosis and treatment journey.

Get your travel insurance quote today

Ready to get your quote? Call us for free on 0333 577 5021. Our friendly team is here to help. Let’s get you set up for a worry-free adventure!

Let's get your Avanti Travel Insurance

Talk to us today on 0800 888 6195. Or, you can get a quote online.