Do you have to declare knee replacement on travel insurance?

Does knee replacement affect travel insurance?

Does a joint replacement affect your travel insurance? Having a joint replacement is quite a common and fairly routine operation, so shouldn’t affect you getting the cover your need. But it is important that you declare it on your travel insurance.

Is a knee replacement considered a pre-existing condition?

There are a number of other common health conditions that also would have qualified as a pre-existing condition. Pregnancy is classified as a pre-existing condition. Eating disorders are also pre-existing conditions, as is arthritis and even having had a knee replacement.

What medical conditions do I need to declare for travel insurance?

Some of the most commonly declared pre-existing medical conditions include:

  • Chronic illness, including cancer.
  • Crohn’s disease.
  • Circulatory problems, including stroke and high blood pressure.
  • Heart conditions.
  • Respiratory issues, including asthma.
  • Diabetes.
  • Cystic fibrosis.
  • Back pain or joint problems.

Do you have to declare an operation on travel insurance?

In principle, yes, providing you are fit to travel. Make sure you declare the condition for which you had the surgery when getting your quote, and then answer the medical screening questions. Any answers you need to provide about the surgery will be covered there.

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Do I need to declare osteoarthritis on travel insurance?

Do you need to declare that you have arthritis? Yes, it’s important to get comprehensive travel insurance for arthritis that will cover you if you get ill and need treatment while you’re abroad. It’s also important if you need to cancel your trip as a result of your arthritis.

When can you travel after knee replacement surgery?

Many doctors recommend that you avoid air travel for at least six weeks after surgery. A long flight can leave you more vulnerable to DVT. Before any air travel, talk to your surgeon.

How much does a knee replacement cost with insurance?

How much does a knee replacement cost? The cost of total knee replacement surgery in the United States ranges between $45,000 and $70,000. The average cost of knee replacement surgery is $57,000, according to LendingPoint. If you are insured, your out-of-pocket costs will depend on your coverage level.

Is Bio knee covered by insurance?

“Generally speaking, I’ve found biological knee surgery to be covered by the insurance,” says Dr. Gladstone. “You have to present it appropriately and convincingly and get all the facts straight.” A total knee replacement can be a debilitating experience for some patients and have a long recovery period.

Can you exclude a medical condition from travel insurance?

You’ll need to declare all existing medical conditions when buying travel insurance. … Some policies or insurers won’t cover your medical condition. While others will give you cover but exclude your particular condition or charge extra for it.

What pre-existing conditions are not covered by travel insurance?

Pre-existing condition exclusions on travel insurance plans do not apply to situations like emergency medical evacuations, accidental death and dismemberment, repatriation, baggage and baggage delays or collision damage waivers.

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Do you have to declare high blood pressure on travel insurance?

Should I declare my high blood pressure? The quick answer to this question is: yes! You should always tell your insurer about your high blood pressure, even if it’s being well-managed through medication. High blood pressure is considered to be a ‘pre-existing medical condition’ by insurers.