Emergency Medical and Associated Expenses

Our travel insurance policy covers you for Emergency Medical and Associated Expenses up to £10,000,000.

What is included?

Payment of expenses for emergency medical treatment outside the UK following accidental injury or illness during your trip. Repatriation and other necessary travel and accommodation expenses are also included.

Our 24-hour worldwide Medical Emergency Assistance Service will provide immediate help with any emergency medical situation you have when you are on a trip outside the UK.

This is not a general health insurance policy. It only covers you if there is a sudden or unexpected accident or if you become ill. It does not cover non-emergency treatment.

Significant and unusual exclusions or limitations

The policy excludes some situations. Please refer to the exclusions under each section of the policy booklet and the General Exclusions for full details. The policy excludes:

Medical Expenses claims:

• if you travel against medical advice
• for a serious, chronic or recurring illness, injury or disease which you have received advice, medication or treatment for in the last 12 months unless disclosed to and accepted by us
• if anyone upon whose good health your trip depends has a serious, chronic or recurring illness, injury or disease, unless disclosed to and accepted by us
• if you are planning to get medical treatment during your trip
• if you are on a waiting list for in-patient treatment or are aware of the need for in-patient treatment or are under investigation or awaiting results, unless disclosed to and accepted by us
• for any diagnosed anxiety state, depression, mental or nervous disorder
• pregnancy or childbirth where the expected delivery date is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before the planned return date of your trip
• for travel or accommodation arranged by using Air Miles or similar promotions
• for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements
• for refund of any costs for persons not named on the policy
• that result from your participation in manual work of any kind
• that result from you motorcycling as a rider or passenger on a machine over 125cc, or on a motorcycle 125cc or less unless you wear a crash helmet and, as a rider, you hold a full UK motorcycle licence
• that result from your participation in a leisure or winter sports activity not listed in the policy booklet
• that result from a tropical disease where you have not had the recommended inoculations or taken the recommended medication
• for hospital or repatriation costs that have not been authorised by our Medical Emergency Assistance Service.

The policy includes the following. This is a summary only - full terms and conditions of cover can be found in the policy booklet. View the policy booklet online or request a hard copy of the policy booklet. Limits apply per person.