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What to do if you fall suddenly ill

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1. Seek medical attention

Get medical help from a medical practitioner, such as a doctor, or by going to a hospital as soon as possible.

If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Assistance Team as soon as you can.

Once you’re able to contact our 24/7 Emergency Assistance team, please be ready with the following:

  • Your policy number
  • A contact number for where you are now
  • The nature of your problem
  • Your location

Please be aware that depending on where you’re travelling to, there may be Reciprocal Health Care Agreements in place (the Emergency Assistance team will let you know). The terms of your policy require that you use the public health system where possible, particularly when travelling in a country with reciprocal health agreements.

If your private health/medical insurer offers medical cover for you when you're overseas, you will need to follow their notification and claims procedures before making a claim on your travel insurance policy.

2. Get it in writing

Most claims need supporting documentation and medical claims are no different. So while it may be the last thing on your mind, do try and get copies of documents that will support your claim before you leave the medical facility such as:

  • Doctor or other medical practitioner’s report confirming your illness.
  • Hospital Admission report, if you’re admitted to hospital.
  • Ambulance and Medical evacuation reports if relevant.

In some cases, we may need to obtain your past medical history from your usual doctor at home but we’ll let you know if this is the case.

3. Keep your receipts

You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.

Cover for European nomads if COVID-19 derails your overseas trip

If you, a relative or someone in your travelling party falls ill due to Coronavirus, you may be covered for a number of insured events under our Medical and Coronavirus Travel Costs benefit sections.

Cover varies between our Standard and Explorer plans. If you are diagnosed with Coronavirus while overseas your benefits include:

  • 24/7 access to our Emergency Assistance team, who can help you access local medical care.
  • Medical costs including hospitalisation.
  • Evacuation or repatriation if deemed necessary by us and in consultation with your attending physician.

Benefit limits apply and vary between the plans.

Our COVID-19 cover benefits have been created to give European travellers the opportunity to travel more securely knowing that they have the option to access a set of travel and medical benefits on our Standard and Explorer plans.

If you have purchased the Explorer Plan, cover is available for some Coronavirus-related Insured events, including but not limited to:

  • Personal quarantine costs: If you or a member of your travelling party go into compulsory personal quarantine as a result of your or their diagnosis of, or confirmed close contact with a case of Coronavirus, we’ll pay for your reasonable additional travel, meals and accommodation, including in-room entertainment. (On trip)
  • Childcare: If you are unable to take care of your children due to your Coronavirus diagnosis, we’ll pay your reasonable additional childcare costs for a registered or qualified childcare worker to take care of your dependent children who would otherwise have been in your full-time care. (On trip)
  • Pet care: If you are diagnosed with Coronavirus, we will pay your reasonable additional pet care services, including kennel and cattery boarding fees or professional pet sitting services in your country of residence. (On trip)

Please note: COVID-19 cover depends on your Country of Residence and varies between plans.

To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.

4. Check your local government and international health guidelines on vaccinations

It's a requirement to stay up to date with all required vaccinations for the destination(s) you're heading to and that may include the Coronavirus vaccine among others.

Follow the advice of your Foreign Ministry and local advice, in addition to the precautionary measures set out by the World Health Organization (WHO). Take the time to research what these may be before you go, so you’re fully prepared if you get sick with Coronavirus. For more about COVID-19 and vaccination tips please click here.

5. Need to know more?

This information may help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.

If you have questions about what's covered and not covered, just ask us.

How does my travel insurance policy help me in an emergency?

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation before you leave home.

  • Explorer Plan: €10,000
  • Standard Plan: €4,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: €12,500,000
  • Standard Plan: €3,750,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).

  • Explorer Plan: €2,500
  • Standard Plan: €1,250
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption (Explorer)
  • Resumption of Trip (Explorer)
  • Travel Delay (Explorer)
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.

Are you in need of emergency assistance right now?

Country of residence Phone
Belgium +32 (0)2 808 66 32
Denmark +45 89 87 30 23
Germany +49 (0)335 5622 3012
Ireland +353 (0) 90 640 6460
Netherlands +31 (0)20 8080731

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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