A medical emergency abroad can cost an arm and a leg.
How much cover?
Standard travel insurance cover limits for medical treatment can vary from £1million to £15million and more. The farther from home, the more cover you need, especially for the USA and adventure holidays.
What you can get
- All necessary medical and surgical treatment.
- Repatriation back to UK via scheduled airline/specialist air ambulance with medical escort if you’re too sick to continue your holiday.
- Hospital expenses for food, drink, books, newspapers etc.
- Replacement medication costs.
- Emergency dental treatment for pain relief.
- Travel and accommodation for relative/friend to accompany you home.
- Transport of body/ashes to UK or local funeral expenses abroad.
- 24 hour emergency medical/legal/travel helpline.
What’s not covered
- Medical costs for drink or drug related injuries.
- Travel for medical treatment abroad/cosmetic surgery.
- Not getting recommended holiday jabs.
- Treatment/tests unrelated to the illness/injury you were admitted to hospital for.
- Treatment and tests that can be done in the UK.
- Medication/treatment needed that you knew about before leaving the UK.
- Private hospital room costs unless medically necessary.
- Convalescent treatment abroad.
- Replacement spectacles/contact lenses.
- New dentures.
- Cost of burial/cremation in the UK.
Pre-existing medical conditions
Not always covered. Check listed activities in the policy wording.
The EU medical card won’t pay for expensive prescriptions, or repatriation to the UK dead or alive.