If you need to claim for emergency medical treatment or medical repatriation while abroad, you'll need to provide supporting evidence of what happened and any expenses you're claiming.
The exact documents required will depend on your circumstances and the type of claim.
Depending on your claim, you may be asked to provide:
Medical reports: Details of your diagnosis, treatment and any medical advice received.
Hospital records: Admission and discharge documents, including the reason for your admission.
Medical invoices and receipts: Evidence of charges for hospital treatment, doctors, dentists and other eligible medical expenses.
Prescription receipts: Evidence of medication prescribed as part of your emergency treatment.
Travel and accommodation receipts: Proof of any additional expenses incurred because of your medical emergency.
Transport receipts: Evidence of eligible taxi or other transport costs.
Telephone bills: Itemised evidence of costs incurred contacting or dealing with the Emergency Medical Assistance Service.
Repatriation documentation: Relevant records, invoices and evidence of authorised medical transport arrangements.
Keep copies of all relevant documents and correspondence.
If you've been prescribed medication because of a medical emergency during your trip, keep:
The prescription or relevant medical documentation.
Your pharmacy receipts showing the cost of the medication.
Important: Your policy does not cover the cost of obtaining, replenishing or replacing medication that you already knew you would need during your trip.
Eligible taxi journeys relating to hospital treatment may be considered under your policy.
This can include journeys for:
Hospital admission or discharge.
Out-patient treatment or medical appointments.
Collecting prescribed medication.
Keep receipts showing the date, journey details, hospital location and cost.
You may need to provide receipts, invoices or booking confirmations for additional expenses resulting from your medical emergency.
Some arrangements require prior approval from the Emergency Medical Assistance Service, particularly medical repatriation and additional travel or accommodation.
Contact the assistance team before making arrangements where required.
Emergency Medical Assistance: +44 (0)330 123 2370
Available 24 hours a day, 365 days a year.
Find out more about medical repatriation
If you've received medical treatment abroad, the claims team may ask for a copy of your GHIC or EHIC, where relevant.
These cards can help you access state-provided healthcare in participating countries.
Find out more about GHIC and EHIC
The claims team may request information from your GP or medical practitioner where relevant to your claim.
You may be asked to complete a medical release form to authorise access to the necessary information.
Yes. You must provide details of any other insurance that may cover the same claim.
This could include:
Another travel insurance policy.
Private medical insurance.
Insurance provided through a bank account or another service.
Where another policy covers the same risk, the insurers may share responsibility for eligible costs.
If your claim relates to the death of an insured person during a trip, you may be asked to provide:
A copy of the death certificate.
Funeral or cremation invoices, where applicable.
Repatriation invoices and supporting documentation.
Any additional evidence requested by the claims team.
Contact the Emergency Medical Assistance Service as soon as possible so they can provide guidance about the necessary arrangements.
What Happens If an Insured Person Dies While Travelling?
If you're unable to obtain a requested receipt, medical report or other supporting document, contact the claims team.
They can explain whether alternative evidence may be accepted.
You can submit your claim online through your CoverForYou Customer Zone.
Log in to your Customer Zone.
Select Make a Claim.
Follow the instructions to register your claim.
Provide the requested documents and supporting evidence.
How Do I Make a Travel Insurance Claim?
For additional information, visit our Travel Insurance Claims page.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
