Cosmetic Surgery and Travel Insurance Don’t Mix
Posted on | December 10, 2009 | 9 Comments
Cosmetic surgery is a growing market. More and more men and women are opting for a nip and tuck to delay the aging process. Procedures such as breast implants, face lifts and tummy tucks are an expensive indulgence, which some people cannot live without. This is why it is becoming more popular to travel abroad for these procedures, where they are cheaper. But what does this mean for their travel insurance?
Breast surgery is the most common procedure, which would cost you around £4500 to go private in the UK (only extreme cases will be done by the NHS). If you were to go any other country in Europe, the price of this procedure would near enough half. Prices of face-lifts, liposuction and laser eye treatment are all cheaper in Europe as well, again sometimes being half the price. With such huge price differences, it is understandable why more people are opting to travel out of the UK for medical treatment.
More than 126,000 British people travel abroad for medical treatment each year, and shockingly, only one third of those bother to check whether their travel insurance will cover them if something goes wrong with their surgery. Unfortunately, for those who do not check, the majority of providers will not pay out on claims made related to surgery. Claims can still be made on lost baggage or cancelled and delayed flights. Few insurers do not cover for a trip specifically for medical purposes. The few companies who obviously charge more for your cover as you are a higher risk than other travellers. Age also determines how much your cover will be, and you are near enough certain to be declined for cover if you are over 70. If you are travelling to get cosmetic surgery it is imperative that you state what the purpose of your trip is, otherwise your policy will be a waste of money. Don’t be tempted to overlook this when organising travel insurance.
As with any travel insurance, it is important to shop around to find the cheapest deal. Compare travel insurance online to see what offers different providers have on. There are literally hundreds of travel insurance companies so make sure you have browsed several of them to get a good idea of the market.
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Comments
9 Responses to “Cosmetic Surgery and Travel Insurance Don’t Mix”
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December 10th, 2009 @ 10:50 am
Try this site for a quick quote on travel medical insurance. TravelEx allows for pre-existing conditions. —> http://www.travelex-insurance.com/index.asp?location=07-0018
December 10th, 2009 @ 11:27 am
I think that you will find a great deal on Moneysupermarket.com thats where I got my travel insurance, and they actually had to pay out on my policy as I ended up in a French hospital.
My insurance was about 40pounds, and it was for annual insurance! I think from memory you could go away for up to 94 days at a time, or 17days at a time if you included winter sports.
Hope this helps – just remember to read the small print about how many consecutive days away from the UK you are covered for! Happy Travels!
December 11th, 2009 @ 11:57 am
It could very well be true. Although they are different countries to where you are, we are in the UK and when we book to go to Ireland the company we book with insists on having our insurance details. Besides, as the first answerer says…they would be daft to travel without it as the cost of treatment is far more than the cost of the insurance. Accidents do happen…believe me, I broke an elbow last year, and a few weeks after that was healed I broke my foot…if I had been abroad I would have been in sh*t street without insurance!
December 11th, 2009 @ 7:36 pm
December 12th, 2009 @ 12:38 pm
There are some good travel insurance companies. Get ones that pay your expenses or pay you in cash. Dont get ones that make you take another trip or give you a voucher to travel again with them.
I only buy insurance if the trip is WAY more than I can afford to lose.
Read the fine print of the policies before you purchase.
December 13th, 2009 @ 1:48 pm
Checkout their theft rider, and the link for a free quote. http://www.travelex-insurance.com/index.asp?location=07-0018
December 13th, 2009 @ 2:24 pm
You can get a refund if your insurance covers illness as a reason for cancellation. Different policies cover different contingencies. The way you would prove illness is by a note from your physician.
InsureMyTrip.com is one site that has comparisons among policies. I'm sure there are others.
December 13th, 2009 @ 3:12 pm
healthquotes.awardspace.info – here is my health insurance plan. As I remember they can provide such a service.
December 13th, 2009 @ 3:39 pm
Here are some links-
I had a similar situation- I was living in the Caymans Islands, no longer a Canadian resident, and wanted to travel for the summer. But every policy required that Canadian citizens be insured in their home privince, which I no longer have as non-resident. IMG was the only one I found, but as you DO have Canadian insurance, this will be easy for you. There are lots of short-term plans.
https://www.imglobal.com/travelinsurance/index.cfm?show=&&CFID=1718830&CFTOKEN=d9392e2d0226f2d2-EC75C061-1143-EBE5-76B31862584AA777
http://www.internationalsos.com,
http://www.travelexinsurance.com,
http://www.ijet.com,
http://www.travelassistance.com,
http://www.wallach.com,
http://www.travelguard.com,
http://www.independenttraveler.com/resources/article.cfm?AID=48&category=8,
http://www.ricksteves.com/plan/tips/insurance.htm.