Not all travel insurance policies are the same. Despite these differences, there are a number of key cover areas that you are likely to find in many travel insurance policies. Always check your travel insurance policy to see what cover it includes, what it doesn’t include (exclusions) and shop around for the right level of cover for you.
Medical cover
Overseas medical cover is possibly the single most important part of a travel insurance policy due to the potentially high cost of medical treatment and repatriation if you are injured or fall ill abroad. This should typically include:
- Emergency medical treatment costs, including hospital charges and ambulance fees
- Returning you home following medical treatment abroad if you cannot use your original ticket
- Reasonable additional transport and/or accommodation expenses for a close relative or friend to stay with you
- or travel from the UK to escort you if required
- 24 hour assistance helplines to offer support and advice about appropriate treatment.