Travel Insurance While on Waiting List
On a waiting list? No Problem
Our travel insurance covers those on the waiting list for treatment or under investigation for a diagnosed condition, including any pre-existing medical conditions.
- 24-hour emergency medical support
- No upper age limits
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 list 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 your travel insurance 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 list travel insurance: Coverage while you wait for treatment
Our travel insurance policies offer cover for medical conditions you’ve declared to us, even while you’re on a waiting list. While awaiting treatment or investigation won’t affect your medical cover while you’re away, there are a couple of exclusions when it comes to cancellation or curtailment.
Without the optional additional waiting list cover, you won’t be covered for cancellation or curtailment if:
- You receive a treatment or investigation appointment that conflicts with your planned trip dates.
- The awaited treatment makes you unable to travel as planned.
This is where our optional waiting list cover comes in handy. This option provides cancellation and curtailment cover for the following scenarios:
- You receive an appointment for treatment that conflicts with your trip.
- You’re unable to travel due to the treatment or investigation you were awaiting.
With this added optional cover, you can cancel or cut short your holiday and make a claim to recoup the costs, up to the amount stated in your schedule of benefits. Keep in mind, that if you wanted the waiting list cover to ensure everyone travelling with you could cancel their trip then they would also need to be covered on the same policy and have the waiting list cover option added too.
Additional waiting list cover for extra protection
You can choose to extend your waiting list travel insurance 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 >>
H2: How to get waiting list travel insurance from Total Travel Protection
Simply request a quote from Total Travel Protection and find a policy that meets your needs. Once you’ve chosen your cover, make sure to add the optional waiting list cover. Total Travel Protection travel insurance has no upper age limits and can provide cover for declared pre-existing medical conditions.
Remember Total Travel Protection do medical screening differently so you may get a better price.
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
- Baggage up to £3,000 (Platinum Cover)
- Personal liability up to £2 million (Platinum Cover)
- Legal expenses up to £25,000
Buy travel insurance while waiting for diagnosis 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.
Waiting list 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 during the following times:
Monday to Friday 9am - 7pm. Saturday, Sunday and Bank Holidays 9am - 5.30pm.
Our travel insurance prices are the same whether you buy online or by phone, so you can choose whichever suits you best.
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).
Travel insurance for cruise holidays
When you get a quote for travel insurance with us you will be asked ‘Are you going on a cruise?’. If you select yes, our optional cruise extension will be automatically included in your quote, providing these additional benefits:
• Cabin confinement cover
• Missed port departure protection
• Itinerary change compensation
• Unused excursions reimbursement
• Cruise interruption cover
You can remove the extension on the Additional Cover Options page, where you’ll also see the premium. Without it, standard cover still applies and you will be covered to go on a cruise holiday, but you won’t receive these extra benefits.
Additional cover options
Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.
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.
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.
Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.
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.
Can I travel while on a waiting list?
The short answer is yes! Being on a waiting list for medical treatment doesn’t mean you have to put your travel dreams on hold. Total Travel Protection can provide optional extra cover even if you are awaiting treatment or investigation for a diagnosed medical condition. This means you can explore new destinations, visit family, or simply enjoy a much-needed break without hesitation.
However, there are some limitations. If you are awaiting an initial diagnosis for symptoms you’re experiencing, travel insurance coverage will not be provided until you have a confirmed diagnosis.