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Travel insurance & surgical travel
Here is the single most important piece of travel admin for surgical travel, stated up front: most standard travel insurance policies exclude planned medical treatment abroad — and many exclude complications arising from it, sometimes including the emergency care connected to it. Patients regularly discover this only when they need it, which is exactly the wrong moment.
This page explains what standard policies typically do and do not cover, what specialist medical-travel policies exist to solve, what your Maison package itself covers during your stay, and the three questions worth asking any insurer in writing before you fly. It is educational guidance rather than insurance advice — but it will make you the best-informed person in the conversation when you talk to a licensed insurer.
What standard policies typically exclude
- The planned procedure itself (it is not an emergency)
- Complications arising from planned treatment — often even emergency care connected to it
- Cancellation because you became unfit for the planned surgery
What still makes sense to carry
- Ordinary travel cover: lost luggage, flight disruption, non-treatment illness or accident
- Specialist medical-travel policies, which exist specifically to cover complications of planned treatment — ask insurers directly whether "elective treatment abroad" complications are covered, in writing
- Clarity on what your treatment package itself covers during your stay — ask us for this in writing; it is part of every Maison quote
Questions to ask any insurer
- "Does this policy cover complications of planned medical treatment abroad?"
- "Is repatriation covered if a complication requires it?"
- "Are follow-up costs at home covered if connected to treatment abroad?"
This page is educational guidance, not insurance advice or a policy recommendation; confirm cover details directly with a licensed insurer.
Unsure what your package covers? Ask for it in writing.
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