Does my travel insurance cover medical costs upfront or do I have to pay and claim later?

Who pays depends on what’s happened!

If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
You or someone with you would need to contact your relevant emergency assistance team immediately so they are aware and can help you.

If it's not an emergency and the costs are not excessive eg you see the doctor at the local medical centre, then you would pay upfront and make a claim online once all treatment is complete.


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