Travel Insurance for Broken Bones & Fractures
Find Travel Insurance for Broken Bones & Fractures
Broken bones and fractures are common in the UK, with over 500,000 occurring each year from fragility, according to the Royal Osteoporosis Society. Whether the result of an accident or low bone density, it’s important to secure dedicated Travel Insurance for broken bones and fractures if you are injured and want to travel.
Travel Insurance for broken bones and fractures ensures you are properly covered in the event of an unforeseen event abroad. It includes emergency medical assistance, cancellation if you unexpectedly become unable to travel due to your broken or fractured bone, and repatriation if your condition requires you to be transported home in a medical emergency.
Travel Insurance for Broken Bones & Fractures at Just Travel Cover
Broken bones or fractures are different for everyone. Some breaks heal quickly causing minimal disruption to daily life, while other more severe fractures can lead to long-term complications. At Just Travel Cover, we cover hundreds of pre-existing medical conditions, including joint and bone conditions like breaks or fractures, helping you find specialist Travel Insurance tailored to your needs.
After providing us with some information surrounding your trip and condition, we’ll present you with a list of suitable policies, with bronze, silver, and gold options to help you compare. This helps ensure you choose the right level of cover for you, so you can travel with confidence knowing you’re prepared for the unexpected.
What Questions Will I Be Asked When Applying for Travel Insurance for a broken bone or fracture?
When applying for Travel Insurance for a broken bone or fracture, there are a few questions we’ll need to ask to understand your condition. These include, but are not limited, to the following:
- Have you been diagnosed with osteoporosis?
- How long ago was your most recent fracture or dislocation?
- Do you need to be seen again at a hospital and/or clinic for this broken bone?
- As a result of this fracture or dislocation did you have a joint replacement?
These questions help us ensure we only show you policies that will cover your needs, so it’s important to answer them accurately. Note that we may ask some further questions depending on your answers where more information is needed.
All policies and claims are subject to acceptance criteria and policy terms and conditions.
Single trip cover of up to 365 days
Annual Multi-Trip cover for up to 93 days per trip (terms apply)
Cover for hundreds of pre-existing medical conditions
High levels of cancellation and emergency medical expense cover
Lost documents, baggage, medications and medical aids cover
Three levels of cover bronze, silver and gold – to suit your individual needs Travel companions can be included on the same policy
Zero excess policies available.
All our policies provide the following as standard:
Full cover for pre-existing medical conditions, provided these are declared and accepted
Cover for emergency medical expenses up to £15m
Cover for repatriation Cancellation cover up to £50,000 per person upon referral
Curtailment cover up to £12,500 per person
Baggage cover up to £3,500 per person
Missed departure up to £1,500 per person
Emergency medical assistance available 24/7
Plus Smart Luggage – optional or included on gold.
Travel Insurance for Broken Bones & Fractures FAQs
What does Travel Insurance for broken bones & fractures cover?
Travel Insurance for broken bones and fractures covers:
- Emergency medical expenses
- Cancellation if you unexpectedly become unable to travel (or other unexpected events)
- Repatriation, if a medical assistance team abroad deems it necessary for you to return home to receive treatment
- Baggage cover in the event your luggage gets lost or stolen during your trip
Is there an upper age limit for broken bones & fractures Travel Insurance?
No. At Just Travel Cover, we believe everyone should be able to travel with confidence, with a Travel Insurance policy that covers their individual needs. That’s why our policies include no upper-age limit, as well as cover for hundreds of pre-existing medical conditions, ensuring neither age nor health holds you back from experiencing your dream travels.
How does having a fracture or broken bone affect the cost of insurance?
Having a fracture or broken bone shouldn’t majorly impact the cost of your Travel Insurance, however, more severe breaks requiring further treatment could affect the cost. It’s important to remember that costs for Travel Insurance are calculated using a range of different factors including your age, destination, and length of travel, as well as any pre-existing medical conditions. Declaring a broken bone or fracture is important to ensure you receive the right level of cover.
Do you have to declare broken bones & fractures on Travel Insurance?
Yes. Broken bones, fractures, and dislocations are classed as a pre-existing medical condition, meaning they must be declared on your Travel Insurance. Failure to declare any pre-existing medical conditions can effect your ability to make a claim on your policy.
What if my fractured or broken bone is the result of osteoporosis?
If your broken bone or fracture is the result of fragility due to osteoporosis, you will need to declare both a broken bone and osteoporosis on your Travel Insurance policy. This is to ensure you are adequately covered for all your needs, and that any claims you make relating to these conditions are considered under your policy.
I have had a joint replacement following a break. Does this need to be declared on my Travel Insurance?
Yes. If you have had a hip or knee replacement following a break, this will also need to be declared on your Travel Insurance. For more information, head to our Travel Insurance for hip and knee replacement pages. If you cannot find your specific condition listed under our pre-existing medical conditions section, give us a call to discuss this on 0800 294 2969.
Can I fly with a broken or fractured bone?
You can generally fly with a broken or fractured bone provided your doctor has confirmed you are medically fit to travel. Note that some airlines may require a ‘fit to fly’ letter from your doctor. You may also need to inform your airline in advance to make any necessary arrangements including seating and any other adjustments to help you fly comfortably.
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