Travel Insurance isn't health insurance. Here's why...
Travel insurance is there to help you when you need it most. If you've been involved in an accident or you've fallen ill and need medical care, our travel insurance policies can help patch you up and get you back on the road.
Just keep in mind that our policies are travel insurance policies and not health insurance policies or private medical insurance (PMI) policies, and our policies don't cover pre-existing medical conditions. Make sure you read through your policy carefully to see how you can be covered.
No, it's a travel insurance policy. It's there for overseas medical emergencies. It's not designed to cover ongoing illness or treatment overseas, or any treatment when you get home.
Travel Insurance Tip: Some, but not all, of our policies offer coverage for some insured events resulting in cancellation, trip interruption and trip resumption. Please take the time to read your policy wording as there are limits on your coverage depending on which plan you buy and your Country of Residence.
If you’re injured in an accident or suddenly become ill while traveling, you can be covered for overseas emergency medical treatment including:
We also have 24-hour, multi-lingual assistance teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, give support to your family and help you navigate local customs. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.
Some, but not all, of our policies offer cover for medical expenses and repatriation if you get ill with Coronavirus (COVID-19) while overseas when it is not a pre-existing medical condition. If you are diagnosed with COVID-19 while overseas your benefits may include:
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
This is not a full list of what's covered and what's not covered. There are limits and conditions and exclusions that apply, so for more information check out our articles on overseas emergency medical coverage and adventure sports coverage, and read your policy carefully before you buy. If you’re not sure if something is covered get in touch.
It’s essential that you get in contact with our Emergency Assistance teams as soon as possible, so that our teams can support you from the time your fall sick or get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
I had been sick in India for about a month with ongoing symptoms including diarrhea, vomiting, stomach cramps, nausea, fever, loss of appetite etc. Once we had arrived in Turkey, I had an attack during the night at our hostel. I was vomiting, had diarrhea and intense stomach cramping, so my boyfriend and I thought it was best to head to a hospital. Due to my condition I could not walk, it was also 2 or 3am and we had no other method of getting to a hospital other than arranging for the hospital to send an ambulance to pick me up. Upon arriving at the hospital, the doctors undertook an examination of me and my conditions and due to severe dehydration they gave me a drip to restore my fluids. To find out what the cause of my symptoms were, they conducted tests on my blood and stool. The doctor also prescribed me medication to treat both my symptoms and illness. These included creams and also antibiotics.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
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Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
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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.
Are you in need of emergency assistance right now?Contact the team
Wherever you are, we’re here 24/7 to help you in any emergency.
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.
Coronavirus (COVID-19) and travel - Need to know before you buy
Some but not all of our policies provide cover for some coronavirus-related events – select your Country of Residence to find out more. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the Government (see your policy) has issued a ‘Do Not Travel’ warning or its equivalent, for your destination(s); or failure to follow advice from official bodies. Your ability to travel may be affected by travel restrictions. Check your cover and the latest government advice and our travel insurance alerts.