Emergency medical cover explained

Falling ill or being involved in an accident whilst on holiday is something that we never want or expect to happen, which is why travel insurance with emergency medical expenses cover is so important to make sure you can get the treatment you need.

It is a key part of travel insurance which is there to protect you in the event that you fall ill or sustain injury whilst on holiday.

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Travel insurance with up to £10,000,000 emergency medical expenses cover.
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What does emergency medical expenses cover protect against?

Fundamentally, your travel insurance covers the cost of emergency treatment you receive abroad, but you may also find cover that helps with some associated costs including;

  • Repatriation: Returning you to your home or to a hospital or nursing home in your home country, if this is medically necessary.
  • Transport and Accommodation: Reasonable extra transport and accommodation costs for you and one other person who stays with or travels with you, or travels to you from your home country, on medical advice.
  • Search and Rescue: Mountain search and rescue services when medically necessary.
  • Hospital inconvenience: Compensation paid for unused accommodation and other travel expenses you have lost.

Our emergency medical expenses cover

Our policies provide the following levels of cover for emergency medical associated expenses.

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Silver

Single Trip and Annual Multi Trip

Gold

Single Trip and Annual Multi Trip

Bronze

Single Trip and Annual Multi Trip
Emergency Medical Associated expenses
Provides cover if you are taken into hospital or you need to come home early or extend your journey due to illness or accident.
£5,000,000
£10,000,000
£2,000,000
End Supplier Failure
The insurer will pay up to the amount shown in your schedule of cover in total, for costs you incur as a result of insolvency of the end supplier that you made travel arrangements with prior to departure.
£1,500
GP 24/7 Online
GP consulation service over the phone 24/7 or online video conference between 8am and 10pm to discuss your medical concerns.
Included
Included
Included
Legal Expenses
Provides a loan to take legal action for compensation as a result of your death, illness or injury during your journey. You must pay this loan back out of any compensation you receive.
£15,000
£25,000
£5,000
Loss of Passport
Cover for transport and accommodation costs to get a temporary passport and the equivalent value of the remaining period of it, if it is lost or stolen on your journey.
£150
£250
Missed Departure
Cover for extra transport and accommodation if you arrive at your departure point too late to board your booked transport due to: public transport not running to its timetable or the vehicle you are travelling in has an accident or breaks down.
£1,000
£1,500
£500
Personal Accident
Provides cover if following an accident your injuries lead to death, total loss of sight/limb or permanent disability. An accident must be caused by something external and visible.
£15,000
£20,000
£5,000
Personal Money
Provides cover if your personal money is lost or stolen on your journey. Cash limits also apply.
£500
£500
Personal Possessions
You are covered for up to your policy limits if your personal possessions are damaged, lost or stolen on your journey. Your policy will state the maximum amount you can claim for a single article, as well as the total amount you can claim for all your valuables. A deduction may be made for wear, tear and loss of value.
£1,500
£2,000
Personal Liability
We cover financial consequences of your personal liability during your private life (bodily injury, damage to property and consequential loss).
£1,500,000
£2,000,000
£1,000,000