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Travel Insurance Cover for Fractures and Broken Bones

If you have broken a bone like an arm or a leg but have a trip coming up most standard travel insurance usually excludes cover for pre-existing medical conditions including broken bones and fractures, even when they have been seen by a doctor and are now in a cast or sling. If you have a had a fracture or break, you will need to disclose it when applying for travel insurance to ensure that you are covered for your trip. Even old breaks and fractures can cause long lasting issues especially if you have had to have a joint replacement due to the break so it is always worth declaring them as not doing so can invalidate a claim. When travelling in Europe, it is also important to make sure that you have a valid European Health Insurance Card (EHIC).

What does travel insurance for a broken or fractured bone cover?

With a travel insurance policy that covers a broken or fractured bone, in the event any complications whilst on holiday you would be able to access a 24 hour emergency medical assistance line, with operators fluent in many languages who can speak to medical staff wherever you are. Expenses such as ambulance and hospital admission costs, and repatriation to the UK, also tend to be covered by the medical expenses section of a policy. Cancellation cover would mean that if you were deemed unfit to travel before your holiday, for reasons relating to your broken or fractured bone, you would be entitled to make a claim.

What bone breaks can be covered?

We can cover for most broken bones however certain breaks are more common and can be added via a different name for cover while others are more severe and often come with other related conditions and issues. Please try to be specific with your declared conditions to make sure you get the right cover for you. Below are some of the more specific broken bone titles and terms that you can add when using our system.

  • Broken arm - if you have a broken arm you can search for and add it separately.
  • Broken leg - as with broken arms if you have a broken leg you can find and add it separately.
  • Broken ankle - as with broken arm and leg, broken ankle can be found and added separately.
  • Broken rib - ribs are often difficult to deal with but can be covered in the same manner as the others here and are listed independently.
  • Broken back - is a separate and often more severe break that is definitely worth adding separately to make sure you get the cover you need.
  • Broken neck - as with broken back, broken necks are often more severe and have more related issues so please ensure you specifically search for and answer the related questions for it.
  • Broken bones - if your broken bone isn't listed or you can't find it in our system you can add it under the more generic broken bone option, this will ensure you are covered for it even though a specific term for it may not be available.
  • Fracture - fractures can happen to any bone just like breaks and can be just as severe dependent on the fracture, please make sure you declare any fracture you have. Specific fractures are available just as with broken bones so it is worth being as specific and detailed as possible to ensure correct cover.

Our online medical screening makes it easy to compare travel insurance that covers your broken bones and fractures along with any other pre-existing medical conditions you might have. When entering your details you will be asked some questions relevant to your conditions, such as any related conditions they may have, whether it has interfered with your activities or daily living at all, and any treatments or surgeries you have undertaken. The answers you provide will allow us to quickly assess your current health situation, so that we are able to provide you with travel insurance quotes that will provide the correct cover for you.

For further information and advice on travelling with a broken bone, you may find the links at the below helpful.

This page uses information from the following sources:

In need of assistance?

Our medical travel insurance team are ready to provide you with assistance regarding your quote. If you would prefer to talk to an advisor to receive a quote or have a query please contact our UK based customer service team. Find out details on our contact us page.


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