The Department of Health has issued a timely warning for anyone travelling abroad for dental, cosmetic or medical treatment:
A number of people choose not to bother with medical or travel insurance at all, preferring to take the chance or rely on the EHIC (that does not apply to those who choose to travel overseas for treatment). Many believe that insurance for medical treatment is something that is covered as part of normal travel insurance policies – but this is not the case. Regular travel insurance does not cover people going abroad specifically for medical treatment, just as many policies will automatically exclude cover for any pre-existing condition.
There are signs that the travel insurance market is diversifying. A number of specialists, niche insurance providers have entered the patient mobility market willing to work out packages of cover for individual patients, enabling them to travel for medical treatment safe in the knowledge that they and any travelling companions are covered. It is in the patient’s interest to ensure they have the appropriate cover.
Medical travel health insurance: News update: 20 April 2010