The Insurance Built for Your
Surgery Abroad Journey
Standard travel insurance wasn't built for people like you
You've done your research. You've chosen a world-class hospital, saved tens of thousands of dollars, and scheduled a life-changing procedure. Then you read the fine print on a standard travel policy.
Every major insurer treats your planned surgery as a pre-existing condition to exclude — not a journey to protect. Covoya was created to fill exactly that gap.
What standard travel insurance excludes
- Cancellation due to pre-trip medical complications
- Trip interruption when your procedure is postponed
- Post-return complications from surgery abroad
- Emergency medical transport home after your procedure
- Hospital stays related to your elective surgery
What Covoya covers
- All of the above — and more
- Your entire journey, start to finish
- Complications up to 90 days after you return home
Coverage that follows your entire journey
Four pillars of protection, designed around how medical travel actually works — not how insurance companies prefer to think about it.
Pre-Trip Cancellation
If your procedure is cancelled before you travel — due to your health, the hospital's availability, or covered unforeseen events — Covoya reimburses your non-refundable deposits and bookings.
This covers
- Airline tickets and change fees
- Hotel and accommodation deposits
- Hospital consultation fees
- Visa and travel document costs
- Tour and companion travel costs
This covers
- Unexpected re-hospitalization abroad
- Extended hotel stay during recovery
- Rebooking flights after complications
- Interpreter and communication services
- Emergency medical evacuation if needed
In-Country Protection
Medical surprises don't follow a schedule. If your recovery takes longer than planned or a complication arises while you're abroad, Covoya covers your extended stay and emergency care.
Post-Return Coverage
The journey doesn't end when you land home. Covoya covers complications arising from your procedure for up to 90 days after your return — the period most insurers completely ignore.
This covers
- Post-surgical infection treatment
- Corrective procedures if required
- Follow-up specialist consultations
- Medications and rehabilitation
- Up to 90 days after returning home
This covers
- Emergency air ambulance or medical flight
- Repatriation of remains if necessary
- Family member travel to be with you
- Medical escort during transport
- Coordination with home-country providers
Medical Evacuation
If a serious complication requires you to be transported to a higher level of care — or home — Covoya coordinates and covers emergency medical evacuation. Your deepest fear, handled.
Built for the procedures that matter most
Whether you're travelling for a joint replacement or a full smile restoration, Covoya covers the full range of planned medical travel.
Bariatric Surgery
Gastric sleeve, bypass & banding abroad
Orthopedic Surgery
Hip, knee, spine replacements & repairs
Cosmetic Surgery
Rhinoplasty, body contouring, facelifts
Cardiac Procedures
Planned cardiac surgery & interventions
Dental Work
Full-mouth restorations, implants, veneers
Fertility Treatments
IVF, egg donation, surrogacy journeys
Protected in three steps
No medical exam, no lengthy forms. Just straightforward coverage for the journey you've planned.
Tell us about your trip
Enter your procedure type, destination, travel dates, and the cost of what you've booked. Takes about 2 minutes.
Get your personalised quote
Instantly see your coverage options and premiums. No hidden questions about your medical history for the procedure you've chosen.
Travel with confidence
Your policy documents arrive immediately. Our 24/7 medical assistance line is included — one call connects you to real help, anywhere in the world.
Why patients choose Covoya over standard travel insurance
Standard insurers designed their policies for holidays and business trips. Medical travel has a completely different risk profile — and needs completely different coverage.
Get my personalised quote
Your procedure is planned.
Now protect the journey.
Join thousands of patients who travel for surgery with the confidence that comes from knowing they are truly covered — from the moment they book to 90 days after they return.
No medical exam required. Policy documents in your inbox within 5 minutes.