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Travel Health Insurance - Medical Expenses Cover Explained

01/07/2014

Our Medical Expenses Cover Explained

We know that travel insurance can sometimes seem complicated, which is why we’re taking this opportunity to explain our medical expenses cover, the most important part of our travel insurance.

Cover for emergency medical expenses whilst you are away is the most important section of any travel insurance policy as it takes away your risk of incurring large medical bills or being stranded in a foreign hospital if you fall ill abroad.

Accident and Emergency Sign
Photo:Credit

This article explains all about our medical travel insurance cover, including emergency medical expenses, repatriation and hospital benefit.

Declare your Pre-existing Medical Conditions

To ensure that you are properly covered by your travel insurance you need to declare any pre-existing medical conditions when you buy travel insurance.

A pre-existing medical condition is anything that you have been prescribed medication for or seen a doctor about within the last 2 years.

Woman with illness
Photo: Credit

This would include an illness you suffered from more than 2 years ago if you have seen a doctor or had a check-up or follow-up appointment within the last 2 years, as well as medical conditions which are controlled by medication e.g. high blood pressure and high cholesterol.

Medical and Repatriation Expenses up to £15 Million

Medical and Repatriation Expenses is the most important part of the travel insurance cover we provide. It covers the cost of emergency medical treatment whilst you are away and repatriation back to the UK if you are not well enough to travel on your pre-arranged transport.

Air Ambulance for emergency repatriation
Photo:Credit
Repatriation could be on:

1. an alternative scheduled flight
2. with a medical escort on a scheduled flight
3. or by air ambulance

This would, of course, all be depending on what was deemed medically necessary.

24 Hour Emergency Medical Assistance

Our Medical and Repatriation cover includes access to our 24 Hour Medical Emergency Support team. Wherever you in the world they are just a phone call away and are waiting to help you. In the event that you need emergency medical treatment you must contact them as soon as possible, and they will be able to authorise payment and liaise with local doctors to ensure that you receive the treatment you need quickly.

Hospital Benefit

Hospital benefit is a fixed benefit that an insured person can claim if they are hospitalised for more than 24 hours during their holiday.

It is designed to cover additional expenses that you may incur as a result of being in hospital, for example:

1. food
2. drink
3. newspapers
4. books.
In Hospital
 
Hospital Benefit is part of our package of Medical Expenses cover, but should not be confused with the total amount of cover we provide to cover the cost of emergency medical treatment abroad.

Loss of Medication

We understand that many people need to take prescription medication with them when they travel which is why our travel insurance provides cover for the necessary and reasonable cost of replacing essential medication lost or stolen during your trip.

We strongly believe that providing cover for emergency medical treatment abroad is the most important thing we do, which is why we are proud to be able to provide cover without age limitation and for all but the most severe of pre-existing medical conditions.
 

This product is provided to Travel Insured by goodtogoinsurance.com who are appointed representatives of Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.471641 By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by goodtogoinsurance.com where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..


If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail

click here to obtain an online quote

This product is provided to Travel Insured by Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority - no.471641. By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by Ancile Insurance Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

This product is provided to Travel Insured by Ace European Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.202803. By clicking the box at the foot of this page, you will be taken to our dedicated business travel insurance site provided by Ace European Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of a business which wishes to insure business trips away from the UK for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact
us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

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Travel Insured is a trading style of Manor Insurance Services Ltd, registered office 93/97 Bohemia Road, St Leonards-on-Sea TN37 6RJ Company registration number 4824667.
Authorised and regulated by the Financial Conduct Authority 303639

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