Waiting list travel insurance

On a waiting list? No Problem

Travel insurance for pre-existing medical conditions, including when you are on a waiting list for treatment or investigation for a diagnosed condition.

  • 24-hour emergency medical support
  • No upper age limits
  • Covid-19 cover included

Awards & Accreditations

Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.

Travel insurance cover when you are on a waiting list? No problem!

Just because you are on waiting for treatment doesn’t mean you shouldn’t be able to travel and enjoy a holiday abroad, after all you could be on a waiting list for months or even years.

Total Travel Protection can cover you to travel if you are on a waiting list for treatment or investigation, so long as it is for a diagnosed condition.

Please note: If you are awaiting an initial diagnosis for symptoms you are experiencing we cannot provide travel insurance cover until you have a confirmed diagnosis.

Waiting lists: What is covered as standard?

Our standard travel insurance policies will cover you to travel when you are on a waiting list for treatment for a diagnosed condition, but there are a couple of exclusions.

If you are awaiting treatment or investigation our policy will NOT provide cover for cancellation and curtailment under the following circumstances, unless you purchase our optional waiting list cover:

  • you receive an appointment for treatment or investigation which conflicts with your planned trip
  • as a result of the awaited treatment or investigation you become unable to travel on your planned trip.

Awaiting treatment or investigation does not affect cover whilst you are away for medical conditions which you have declared to us.

Should you become aware of a change in your diagnosis before you travel, please notify us immediately.

Additional waiting list cover

You can choose to extend your policy to include additional cancellation and curtailment cover if you are on a waiting list. Simply add our Additional Waiting List Cover option to your policy.

Adding this additional cover would give you the option to cancel or curtail your holiday and make a claim to recoup the cost (up to the amount stated in your schedule of benefits) if you received a date for your treatment which conflicted with your trip.

More information about additional waiting list cover >>

Travel insurance cover and benefits

  • Emergency medical & repatriation up to £10 million (Platinum Cover)
  • 24 hour emergency medical assistance
  • Cancellation cover up to £6,000 (Platinum Cover)
  • Cover for mobility aids and prescription medication
  • Personal property up to £3,000 (Platinum Cover)
  • Personal liability up to £2 million (Platinum Cover)
  • Legal expenses up to £25,000

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travel insurance cover and benefits - couple holding hands on the beach

Buy online

You can get instant travel insurance cover, including if you are on waiting list, on our website, 24 hours a day, 365 days a year. Our full range of travel insurance products and additional options are available online.

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Heart condition cover by phone

If you would like to talk to someone about your medical conditions or the travel insurance cover available for waiting lists our friendly team are just a phone call away.

You can call us on 0330 053 3747

We are open Sales:Monday to Friday 9am - 7pm.Saturday and Sunday 9am - 5.30pm.Customer service:Monday to Friday 9am - 5pm..

Our travel insurance prices are the same whether you buy online or by phone, so you can choose whichever suits you best.

Travel insurance by phone - friendly call agent
single trip travel insurance with cover for medical conditions and no age limits

Single trip insurance

Our single trip travel insurance is designed to cover you and your medical conditions for one specific holiday or trip, from the time you leave your home, to the time you arrive back again.

We can cover holidays up to 94 days in duration to any destination in the world (providing the Foreign, Commonwealth and Development Office is not advising against non-essential travel).

Single trip insurance

Medical travel insurance for cruise holidays

Cruise insurance

Ocean and river cruise holidays are covered as standard on all travel insurance policies from Total Travel Protection.

Remember to declare your medical conditions, as medical treatment onboard ship can be expensive if you are not fully covered by your travel insurance.

We can cover individual cruise holidays up to 94 days in duration. You will need to tell us all the different countries you will be visiting when you get a quotation.

Cruise insurance

Additional cover options

Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.

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Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More

This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.

Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More

Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.

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Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.

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This option extends the cancellation and curtailment section of your travel insurance to include unrecoverable holiday costs, such as transport, accommodation, and foreign car hire, if your pet dog or cat needs emergency life-saving treatment. Read More

Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.

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Waiting list travel insurance FAQ

I am on a waiting list for an operation, will I be covered to travel?

Yes, provided you are fit to travel, you are awaiting an operation for a diagnosed condition, and you have declared all of your existing medical conditions to us.

Will I be covered to cancel my holiday if I get a date for my operation?

Our standard cover excludes cancellation and curtailment in this situation. However, if you extend your policy to include our Additional Waiting List Cover, it will then include cancellation and curtailment cover in the event that you receive an appointment which conflicts with your trip.

More information about Additional Waiting List Cover >>

I am travelling with my daughter; will she be covered to cancel if my appointment conflicts with our holiday?

Only if she is insured on the same policy as you and has also added our Additional Waiting List Cover.