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Travel insurance for Cosmetic Surgery, Bariatrics, Elective, Dental, Fertility & IVF
Travel insurance for surgery abroad from UK — now in three variants: Economy, Premium and Club.
Clinic Hunter facilitates access to specialized medical travel insurance for patients seeking treatment abroad. The coverage is designed for those undergoing dental procedures, cosmetic surgery, elective treatments, or fertility-related procedures.
The policy can also cover accompanying travel companions, ensuring protection in case of unexpected events. It includes medical emergencies, trip cancellations and lost or stolen belongings. Cover for complications arising from your planned procedure depends on the variant you choose — see the comparison.
Medical Travel Shield is available in three variants. They share the same core travel protection — the difference is how much cover you get for your planned procedure itself.
Travel cover for your trip only. Anything arising from your planned procedure — including complications and repatriation — is not covered.
Everything in Economy, plus cover if a life-threatening complication results from your planned procedure.
Everything in Premium, plus a funded return trip and compensation towards a revision procedure.
1 IVF / Fertility (Premium): property & money is limited to £1,000 (single item limit £250), not £3,500. All other Premium benefits are the same.
Where you are covered: Economy and Premium IVF/Fertility are worldwide excluding the UK, Russia and hazardous territories. Club and Premium (Cosmetic, Dental & Elective) additionally exclude the USA and Canada.
Hazardous territories (not covered on any variant): Afghanistan, Burkina Faso, Central African Republic, Chad, Chechnya, Cuba, Democratic Republic of the Congo, Eritrea, Ethiopia, Iran, Iraq, Israel (Gaza only), Libya, Mali, Mauritania, Nigeria, North Korea, Somalia, Sudan, South Sudan, Syria, Ukraine and Yemen — plus anywhere the UK Government advises against travel.
Repatriation: all variants cover repatriation of remains, or funeral expenses abroad, where death results from an accident or an illness unrelated to your treatment. On Economy, repatriation expenses arising as a result of the planned treatment are excluded; Premium and Club cover them. All repatriation requires prior approval from the Assistance Company.
Procedure categories: bariatric, gastric and other weight-loss procedures are covered as Elective, not Cosmetic. Only medically essential or life-saving treatment (oncology, cardiac, transplants, stem cell) is outside the product.
Sums insured are per person and apply to both you and your companion where selected. This table is a summary — the Policy Wording is the contractual document.
Hazardous territories and any country the UK Government advises against travelling to — see the full list in the comparison notes above
Trips for any essential treatment or procedure
Pre-existing medical conditions, unless directly related to the treatment being sought on the trip
Any trip contrary to medical advice.
Treatment not carried out at a hospital/clinic properly regulated in the country in which it is situated
Pregnancy, childbirth or associated medical complications
Hazardous pursuits
Any condition related to a psychiatric, mental or nervous disorder
For the full list of benefits, terms and exclusions please refer to the Policy Wording for your variant and treatment type.
Book your appointment if you need dental treatment, plastic surgery, hair transplant, orthopedics, or bariatrics done abroad. After booking your treatment abroad, you can buy medical insurance for travel.
Click “Get a quote” and provide some information about you, your treatment abroad, and a potential companion. The system will calculate the premium for you.
You can buy medical tourism insurance online. Just pay for your medical travel insurance by card, so it’s simple and easy. When your payment is received, your insurance will be active.
Your international medical travel insurance covers unexpected expenses occurring during your trip, including:
cost of non-refundable deposit
cost of an extended stay due to a delayed recovery
travel and accommodation costs related to a medically essential return trip
Choose the category that matches your procedure — this determines which policy wording applies. Some procedures sit in a different category than you might expect (for example bariatric and gastric procedures are classed as Elective, not Cosmetic), but they are still covered.
Covered can include:
Breast augmentation
Rhinoplasty
Mummy makeover
Liposuction (including for lipodema)
Facelift
Brazilian butt lift
Laser eye surgery
Hair transplant
Facial Feminisation
Covered under Elective instead:
Genital reassignment
Bariatric procedures
Total body lift
Implants
Veneers
Removal of teeth/implants/veneers
Dentures
Cosmetic teeth straightening
General dentistry
Not dental — covered under Cosmetic or Elective:
Jaw implants (cosmetic)
Jaw realignment (elective)
TMD/TMJ treatments (elective)
Bariatric/Gastric procedures
Orthopedic procedures
Total joint replacements
Cataract procedures
Bladder fulguration
Not covered — essential / life-saving:
Oncology/Cancer treatments
Cardiac procedures
Organ transplants/donations
Stem cell treatments
IVF treatment
If you need immediate medical assistance please contact the NGS helpline on +44 (0) 207 183 8910.
The NGS cannot assist with travel disruption.
For an out-of-pocket claim please contact The Medical Travel Shield Claim department via claims@medicaltravelshield.com
UK residents aged 18–76, and companions aged between 12 months and 76 travelling with the insured patient under the same policy (a companion must not be undertaking a treatment). Treatment must take place outside the UK, and the minimum trip duration is 25 hours. For non-UK residents check for other Clinic Hunter products.
Platform dedicated to connecting individuals with reputable and cost-effective healthcare solutions internationally.
Specialist medical travel insurance for people travelling abroad for Dental, Cosmetic, Elective or IVF/Fertility treatment.
The insurance is provided by AXIS Managing Agency Ltd, registered in the UK, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 754962. AXIS Managing Agency Ltd is the managing agent of AXIS Syndicate 1686 at Lloyd’s and subject to the supervision of the Society of Lloyd’s.
All three variants include the core travel cover: medical and additional expenses up to £2,000,000 for injury or illness unrelated to your treatment (including repatriation), cancellation and curtailment up to £5,000, personal liability up to £1,000,000, personal accident up to £20,000, hospital benefit, property and money, and loss of travel documents.
What differs between variants is cover for your planned procedure itself:
No. The cost of your planned procedure itself is never covered, on any variant.
Medical and Additional Expenses are covered up to £2,000,000 for injury or illness that is not part of your treatment, including repatriation.
On Premium and Club, this extends to a life-threatening complication that occurs as a result of, or during, the planned treatment or the normal recovery period. On Economy, complications arising from your planned procedure are not covered.
For full detail see the Policy Summary and Policy Wording for your variant in the Documentation section.
Repatriation of remains, or funeral expenses abroad, is covered on all three variants where death results from an accident or from an illness unrelated to your treatment.
Where death results from the planned procedure itself (during the procedure or the normal recovery period), repatriation is covered on Premium and Club. It is not covered on Economy — Economy excludes repatriation expenses arising as a result of the planned treatment.
Repatriation must be approved in advance by the Assistance Company.
Yes, you can buy this international medical travel insurance for your traveling companions as long as they are also UK residents and not undertaking any procedure themselves.
Medical Travel Shield insurance costs depend on the type of treatment and length of the trip. Please proceed to free quotation to get a quote for your trip.
It is very easy. Just click get a quote and you will be redirected to the quotation page. Next, you provide us with some information about you and your medical trip abroad. The system will calculate the cost immediately and you can pay for the medical travel insurance UK by card. You will receive a confirmation e-mail and all of your documentation is saved within your dashboard.
To claim Medical and Associated Expenses, please contact the Assistance Company using these details as soon as reasonably practicable: Email: ops@northcottglobalsolutions.com or Phone: +44 (0) 207 183 8910. For all other claims, please contact our dedicated Claims team via claims@medicaltravelshield.com
UK residents aged 18–76. Companions must be aged between 12 months and 76, must be UK residents, and must not be undertaking a treatment themselves. For non-UK residents check for other Clinic Hunter products.
Cover is worldwide with the following exclusions:
Hazardous territories are: Afghanistan, Burkina Faso, Central African Republic, Chad, Chechnya, Cuba, Democratic Republic of the Congo, Eritrea, Ethiopia, Iran, Iraq, Israel (Gaza only), Libya, Mali, Mauritania, Nigeria, North Korea, Somalia, Sudan, South Sudan, Syria, Ukraine and Yemen — together with anywhere the UK Government advises against travel.
You can buy cover for dental treatment, cosmetic surgery, hair transplant, bariatric/gastric and other elective (non-essential) procedures, orthopaedics, and IVF/fertility treatment. Economy, Premium and Club are available for cosmetic, dental and elective procedures; IVF/Fertility is available on Premium.
Only medically essential or life-saving treatment is outside the product — for example oncology, cardiac procedures, organ transplants and stem cell treatment.
The policy explicitly excludes cover for patient dissatisfaction with results. If you decide to seek further surgery abroad because you are unhappy with the outcome, the costs of that new trip and treatment are not claimable, and you would be responsible for them.
A genuine complication is different from dissatisfaction. On Club, we cover an additional return trip within 12 months following diagnosis of a complication in the UK (up to £2,000), plus revision compensation. Please see the Policy Wording for your variant for full detail.
If you notify Medical Travel Shield prior to the start date on your policy and you have not submitted a claim, you can receive a full refund.
Yes. Email info@medicaltravelshield.com with your policy number and the changes you need, and someone will assist you. Please note that if you are amending the duration of a trip there may be an additional charge.
If you contract COVID-19 whilst abroad, you can claim towards costs of compulsory quarantine.
If your surgery has been cancelled or postponed, we can issue you with a full refund or arrange for the dates on your policy to be changed.
A Companion is a UK Resident traveling with you, the patient, whom you wish to cover under the same policy. Companion has to meet several conditions: Is a UK Resident; Is aged between 12 months and before their 77th birthday; Is not undertaking a Treatment (cosmetic, elective, dental, or IVF/fertility procedure); Has read and agreed to the terms and conditions related to this policy before purchase
Cover in the USA and Canada is excluded on the Club and Premium (Cosmetic, Dental & Elective) variants, due to the high cost of medical treatment in those markets. Economy and Premium (IVF/Fertility) do not carry that exclusion — check the Policy Wording for your variant before booking.
Yes. Bariatric procedures such as gastric sleeve, gastric band and gastric bypass are covered — they are classed as Elective procedures for this insurance, not Cosmetic. Select Elective when buying so the correct policy wording applies to your trip.
Medical Travel Shield policy we do not cover pre-existing medical conditions, so we do not require that you declare them upfront. The Money and Pensions Service (MaPS) has launched a travel insurance directory of specialist providers on its Money Advice Service website for people with pre-existing medical conditions. The purpose of the directory is to help consumers with pre-existing medical conditions (PEMCs) better navigate the travel insurance market. The MaPS travel insurance directory has been created for people who have potentially been refused cover, had cover excluded, or received a high additional premium in connection to their medical conditions, to allow them to shop around for alternative providers. In the event that you have had cover excluded by Medical Travel Shield, you may wish to consult the Directory. However you should be aware that most travel insurance providers will void your insurance if it is known that you are travelling for a medical procedure. Therefore whilst cover for a pre-existing medical condition may be available through other travel policies, another product may not cover you if you are travelling for a medical procedure. You should check before proceeding. To access the directory please see below: Website: https://traveldirectory.moneyadviceservice.org.uk/en” By phone
Benefits related to the medical procedure depend on the policy coverage — for example, Economy does not include complication cover, while Premium and Club cover life-threatening complications up to £2,000,000.
It is important to note that the actual procedure itself is not included in the coverage on any variant. We anticipate that any minor complications arising from the procedure itself will be handled by your clinic, hospital, surgeon, doctor or dentist.
Yes. With the new tiered products you can pay over the phone as well as online through our secure platform.
Yes. Most sections carry an excess of £100 per person (£250 for personal liability). Travel delay, personal accident, hospital benefit, loss of passport, extended stay and further consultations carry no excess. Full detail is in the Policy Summary for your variant.
Many travel insurance providers may nullify your coverage if they become aware that you are traveling for a medical procedure. Medical Travel Shield not only offers essential travel insurance for patients but also provides additional benefits tailored to your specific medical procedure. This travel insurance is dedicated to surgery abroad.
It is not necessary, however for individuals to avail themselves of the benefits outlined in our policy, including the possibility of a return trip within 12 months for corrective measures or extended stay due to delayed recovery, they must be listed as insured companions on your policy.
If you are at your destination and there has been an emergency that you require immediate assistance with please call our global assistance team at +44 (0) 207 183 8910. Please note this is not for our out-of-pocket expense claims, such as lost or stolen items.
If you are travelling for longer than 31 days, please call Medical Travel Shield on 0203 409 1236.
Unfortunately, if you are travelling as a patient, the minimum age is 18. We can cover children as companions as long as they are aged over 12 months.
Medical Travel Shield is a single-trip insurance, so there is no annual multi-trip option. You would need to take out a new policy each time you travel — see the next question if your treatment is split across two trips.
Our surgery abroad insurance UK covers one trip, but there is no problem with buying two products. If you know the dates of both trips, you can buy two insurances for each stage of your treatments.
If you are ever in doubt whether to choose elective, cosmetic, dental or IVF/fertility, please contact us and we would be happy to help.
Clinic Hunter is a global platform focused on international medical tourism. Our aim is to provide foreign patients (especially from the UK, Scandinavian countries, Germany, the USA) with affordable treatment in Europe (the most common destinations are Poland, Hungary and Turkey). We specialise in such medical branches as dentistry, weight loss surgery, plastic and cosmetic surgery, orthopaedics, hair transplant and eye surgeries. We have been adjusting our business, services, tools, and devices to the needs of potential patients and the clinics that we cooperate with since the beginning of our activity. Thus, we have created an informative professional content about the services that we offer to educate people about the treatments, implemented all inclusive packages (including accommodation and transfers) to make the stay in a destination country as safe and undemanding for patients as possible, we also work on implementing telemedicine and aftercare applications.
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