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Does travel insurance cover treatment abroad?
Short answer
Not always. One UK insurer's wording excludes any trip made to obtain medical treatment, naming dental work, cosmetic surgery and hair transplants. GOV.UK says a serious condition may need a specialist policy. If you travel for treatment, read the exclusions and ask the provider in writing.
↗ staysure.co.uk↗ gov.uk
Example wording · not from a real policyWe will not pay claims arising from any treatment you planned before your trip began1, or from complications of such treatment2, unless shown in your schedule.
1If you travel for treatment, this line can apply to the treatment itself.
2Problems after treatment may be excluded too. Ask for specialist cover in writing.
Step by step
- 1Find the exclusions section.Look for the words planned, elective, or intention of obtaining treatment.
- 2Name your procedure and country when you ask.Ask for the answer in writing and keep it.
- 3Ask about problems after the treatment.Ask how long after the treatment the policy looks.
Questions
Is there insurance made for treatment trips?
Some providers offer it as a separate product. Compare its limits carefully.
Will you see my answers?
No. You answer on the provider's site. We never see your policy or health details.