My sister is having hip replacement surgery which the doctor scheduled so she should be recovered way in advance. If there are complications from the surgery would she be covered? Should she get the insurance before she has the surgery? I know there are only a few policies that waive pre-existing so that’s what we are interested in. Joyce
Unfortunately, since your sister already has surgery scheduled, anything related to her hip isn’t covered because she won’t meet the “Medically Stable” rules. Here’s more info on “Medically Stable”: http://www.tripinsurancestore.com/3/medically-stable.shtml
In other words, no policy I know will cover her until she’s fully recovered from her surgery.
I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.
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