Travel Insurance for Frozen Shoulder
Got a frozen shoulder? Declare it in our quick medical screening and we can look at cover for your trip.
Declare a frozen shoulder online as part of your quote
Fast online screening that fits around you
Cover available for travellers of all ages
Get a QuoteWhat is a frozen shoulder?
A frozen shoulder, also known as adhesive capsulitis, is a condition that causes pain, stiffness, and reduced movement in the shoulder joint, often developing gradually over time and resolving slowly. It affects approximately 1 in 20 people across the UK, particularly those aged between 40 and 60.
Going on holiday with a frozen shoulder can take a little extra planning, but if your condition is stable and you’ve spoken with your doctor, there’s often no reason you can’t still enjoy a holiday abroad.
Having the right travel insurance in place for a frozen shoulder can help to cover:
- Emergency medical treatment if your condition worsens during your trip
- Hospital stays and related medical expenses abroad
- Medical repatriation to the UK if further treatment is needed
- Cancellation costs if you have to cancel your trip for medical reasons
Travel advice for people with a musculoskeletal condition like a frozen shoulder
- Plan activities at a comfortable pace for your frozen shoulder
- Consider taxis or public transport to reduce strain on your shoulder
- Rest if frozen shoulder pain or stiffness increases
- Pack any supports or aids you rely on at home
During the quote process, we will ask about any pre-existing medical conditions, and if relevant, you will need to declare this on the policy.
Many people with a frozen shoulder can still arrange travel insurance with us. The cover available depends on the details of your diagnosis and how it is currently managed, so full and accurate answers in the medical declaration help us find the most suitable options.
Other Useful Medical Pages
Don't worry if your condition is not listed above - we cover plenty more medical conditions.
* Please note that cover will vary depending on individual medical screenings.
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Need help?
UK Customer Services0330 880 3600*
Opening hours:
Monday - Friday
9am - 5.00pm
Saturday
8.30am - 4.00pm
Please refer to your Policy Wording.
*Calls are recorded and may be monitored.
Reviews for Direct Travel:

- "Professional, sensitive on health issue questions, and easy to understand. Quick and easy but handled in a professional manner." 21/07/2026
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