We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Pending surgery

Options
if you have a pending surgery ( in my mums case a knee replacement) do all insurance companies say you then are not covered for anything medical?  She has  just got this response from Staysure?  They say  no medical cover at all with  the pending op?  I thought other things would be covered that were not related?  Is this a blanket  rule that a pending op means no medical cover?  I just want to know before I start ringing  around which will take forever? Thank you 

Comments

  • lookbook
    lookbook Posts: 127 Forumite
    100 Posts Photogenic
    I think it's one of the conditions all these policies will have.
  • TELLIT01
    TELLIT01 Posts: 17,958 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper PPI Party Pooper
    edited 26 August 2024 at 6:14PM
    In this situation I would look for a local broker where you can work with them face-to-face.  I suspect there are insurers out there who would only exclude anything associated with the upcoming knee surgery, but comparison sites won't tend to differentiate.

  • Seasalt3
    Seasalt3 Posts: 92 Forumite
    10 Posts First Anniversary Name Dropper
    usually if you are on a waiting list for a diagnosed condition you can get cover for the condition whilst you are on holiday but not for cancellation or curtailment if you decided not to go on holiday or came home early if you were offered an appointment.  I have had experience of this and both Avanti and Saga will offer cover for a diagnosed condition if on a waiting list.  Hope this helps. Understanding terms and conditions and knowing what you need to declare can be a headache when obtaining travel insurance quotes!
  • bergh
    bergh Posts: 19 Forumite
    Ninth Anniversary 10 Posts Photogenic
    Thank you all so much, it means a great deal having this help x
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.