While medical tourism for cosmetic surgery and other types of elective treatment is becoming increasingly popular, it's still considered risky business to travel insurers. Travel insurance is designed to cover unexpected events, not planned events where the risk is very high.
At TINZ, we have an exclusion for any claims arising from, associated with or related to elective surgery. You're still eligible for all the other benefits of travel insurance – such as cancellation and delay cover, baggage loss or theft and family emergencies - but if you have complications from elective surgery and are not fit to fly home, we will not be able to cover you. This also extends to any overseas medical emergency expenses which arise as a result of the elective surgery. Examples include requiring hospitalisation due to an infection, or if you need to go to the doctor for a follow-up after your surgery.
For more details on elective surgery or treatment, see our Policy Wording.
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