29/08/2024

How being on an NHS waiting list could impact your travel insurance

Travel

It’s no secret that the NHS has been struggling in recent years. With millions finding themselves on waiting lists for consultations and treatment, the backlog has left many people living in a state of uncertainty.

Being on an NHS waiting list may also impact your travel insurance, potentially leaving you without cover for the very condition you’re waiting to be treated for. It could also leave you tens of thousands of pounds worse off if you travel without considering the implications of insufficient travel insurance cover.

NHS waiting lists: Let’s look at the numbers

Whilst the NHS report states that there are 6.4 million people waiting for NHS treatment in England (as of June 2024), others report the number could be as high as 9.7 million. This is allegedly the highest number since records began for the NHS in England since 2007.

As of August 2024, NHS waiting lists have continued to grow for the third month in a row. There are somewhat signs of progress, as patients waiting over 18 months for routine treatment drops significantly from 4,597 to 2,621.

Most news reports tend to focus on NHS England’s waiting lists. But does this mean it’s only an issue in England? Let’s find out…

How do all of the British nations compare?

We looked at the populations of the four nations that make up the United Kingdom with the most recent estimates by the Office for National Statistics, as of June 2022.

According to the data, there were 57.1 million people living in England. If we assume the figures stating that 6.4 million people are on a waiting list for medical treatment, then that means 11.2% of the English population is on a waiting list.

Scotland’s population was estimated to be 5.45 million. Recent data suggests that 840,000 people are current on the waiting list in Scotland, with 10% of those having waited for longer than a year. This means that 15.4% of the Scottish population is on a waiting list.

The latest figures show waiting lists for treatment in Wales has hit a record high. Of the 3.1 million people living in Wales, the most recent data shows 599,100 patients are waiting for hospital treatment. This suggests that a staggering 19.3% of its population is waiting for hospital treatment.

Northern Ireland has a population of over 1.9 million and have 356,000 patients on a waiting list. However, this figure only covers four of the five health trusts in Northern Ireland. Based on the figures we have, more than 18.6% of people are waiting to receive medical care.

A table showing the populations and the number of people on waiting lists in England, Scotland, Wales and Northern Ireland (August 2024).
A table showing the populations and the number of people on waiting lists in England, Scotland, Wales and Northern Ireland (August 2024).

*Please note that the above calculations are only estimations. Please also bear in mind that the population stats are almost two years old. These percentages are just to gauge a scale of the issue facing the NHS across the UK as of August 2024.

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How could being on the NHS waiting list impact your travel insurance?

When purchasing travel insurance for your holiday, you are asked a series of questions relating to your health. Some of which will be whether you have any pre-existing medical conditions and whether you are waiting for any medical treatment(s). This includes if you are on a waiting list to be tested, as well as if you have a diagnosis but are waiting for treatment.

 

So, can you get travel insurance while on a NHS waiting list or waiting for an operation?

 

Yes, even if you’re on an NHS waiting list, you should be able to still get travel insurance, but the options might be more limited and it can cost more depending on your situation. While being on a waiting list doesn’t stop you from being able to obtain travel insurance, it will likely mean that you have to pay a higher premium as insurers are mindful of the higher perceived health risk.

Being on an NHS waiting list can influence the cover you receive from certain insurers. They may impose specific exclusions or limitations on your policy if there are concerns around the condition you’re waiting to be treated for. This means your insurance might not cover the costs of any medical assistance related to that condition while you’re abroad or on a UK getaway. That’s why you should always be fully aware of what you’re covered for before you travel.

By insuring with us, we’ll personally shop around with our range of reputable travel insurers to get the policy that suits your needs. We’ll also make it clear to you what you are and aren’t covered for.

We always strongly recommend that our clients are truthful when declaring their medical conditions or that you’re on an NHS waiting list. Otherwise, the policy can be voided when it comes to making a claim.

A graphic of an ambulance to indicate they can cost upwards of £20,000 from Spain.

What can happen if I travel without insurance?

The consequences of travelling without insurance can have serious financial consequences.

When you travel, it’s not worth trying to go without insurance, because a decision you make to reduce your premium could end up costing you tens of thousands instead. It means that while the NHS waiting lists remain so horribly long, we advise budgeting for travel insurance that actually covers you for all situations.

To put potential costs into perspective, being repatriated via air ambulance from Spain can cost upwards of £20,000; a bill nobody should ever have to think about when it can be easily avoided by having travel insurance.

 

Example of travelling without insurance covering your medical condition

 

Let’s use Spain as an example, seeing as it’s one of the most popular holiday destinations for Brits. Meet Scott:

 

A man holding his knee in pain on a beach abroad.

 

  • Let’s assume that Scott has been on an NHS waiting list for a knee replacement treatment for the last 14 months. He’s become tired of this wait time.
  • Now that his annual travel insurance policy is due for renewal, he decides to declare that he’s on a waiting list, but he decides to exclude his medical condition from his cover to keep his premium lower.
  • He knows that he wouldn’t be eligible to claim if any injury occurs related to this.
  • Whilst on holiday in Tenerife, Scott goes for a walk along the rural coast where his knee gives way resulting in him needing emergency medical treatment.
  • The hospitals in Tenerife don’t have the resource to give him the treatment he needs, so he needs to be repatriated back to the UK for treatment.
  • As the repatriation is related to Scott’s pending treatment for his knee, it means he may not be eligible to make an insurance claim to cover the cost.
  • Unfortunately, in this scenario it means Scott would have to pay for the unforeseen medical incident out of his own pocket, rather than claiming through his insurance.

This is a clear example of why it’s so important to include the condition you’re waiting to be treated for – even if it costs a little more.

Summary

 

NHS waiting lists can impact your travel plans. Although taking out travel insurance can become trickier when you’re on a waiting list as some insurers might limit coverage or charge higher premiums, it’s something you shouldn’t ignore.

You can still get travel insurance while waiting for treatment, surgery or diagnosis – but you need to declare it honestly and check exactly what’s covered.

Knowing you’re fully covered from potential astronomical medical bills abroad will provide you peace of mind on your travels. Don’t let the stress of waiting lists stop you from enjoying your holiday by getting an insurance policy to cover you in all scenarios.

Speak to a specialist travel insurance broker like us that truly cares about getting the best level of cover for your needs.

 

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FAQs: Travel insurance while on a waiting list

Can I get travel insurance while on an NHS waiting list?

Yes, you can. But depending on the condition you’re waiting to be treated for, some insurers might charge a higher premium or apply exclusions. Always declare that you’re on a waiting list and check which conditions are included or excluded before you buy.

Can I get travel insurance if I am waiting for an operation?

Yes but the condition you’re waiting to have surgery for may not be covered unless it’s specifically included in your policy. Some insurers may exclude claims related to that condition, so it’s important to ask questions before you buy.

Alternatively, some clients request cover to exclude their current medical condition. This is something we can look into on request, although we always recommend being fully protected against all risks.

Can I get travel insurance while waiting for a diagnosis or test results?

Yes, though many insurers treat undiagnosed symptoms or pending tests as a medical risk. That means they may offer limited cover or exclude related conditions until a diagnosis is confirmed. You must declare any ongoing investigations, even if a condition hasn’t been formally diagnosed yet.

Do I need to declare I’m on a waiting list when taking out travel insurance?

Yes. Most insurers will ask whether you’re currently awaiting treatment, surgery, or diagnosis. Failure to declare this could result in your claim being rejected if anything goes wrong on your trip.

Will travel insurance cost more if I’m waiting for NHS treatment?

It can do, especially if your condition is serious or ongoing. Some insurers might decline to cover you at all, while others may still offer cover with higher premiums or specific exclusions. A travel insurance broker like us can help you find the most suitable and cost-effective options.

What happens if I exclude a medical condition from my cover?

If you choose not to include a condition in your policy, you won’t be able to claim for anything related to it even if the incident is an emergency. This can result in high medical bills or the cost of repatriation falling to you. Always check what you’re excluding and weigh up the risks. We always recommend being covered against all risks.

Can a broker help me get cover while on a waiting list?

Yes. Brokers like us can access a wider range of insurers including those who specialise in covering medical conditions or waiting list situations. We can help you understand your options, avoid exclusions and arrange cover that works for your trip.

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