If you make a claim for emergency medical treatment or repatriation expenses, you will need to provide evidence to support the circumstances and costs of your claim.
The exact documents required will depend on what happened, but can include:
Medical and hospital documents.
Treatment invoices and receipts.
Pharmacy receipts.
Evidence of hospital admission.
Travel and accommodation receipts.
Evidence of telephone costs.
Your medical history where requested.
Details of any other insurance that may also provide cover.
Keep copies of any documents or correspondence you submit.
Depending on your claim, you may need to provide:
Receipts or bills for in-patient treatment.
Receipts or bills for out-patient treatment.
Receipts or bills for emergency dental treatment.
Hospital, doctor, dentist or pharmacist receipts.
Evidence confirming that you were admitted to hospital.
Details explaining why you were admitted.
Keep any medical reports or other documents you receive relating to your diagnosis and treatment, as these may also be requested when assessing your claim.
Keep any pharmacist receipts and supporting medical documentation for medication prescribed because of the medical emergency.
The policy does not cover the cost of obtaining, replenishing or replacing medication that you already knew you would need during your trip.
Where possible and with the agreement of your medical practitioner, you should travel with enough regular medication to allow for possible travel delays.
If you are claiming for an eligible taxi journey to or from hospital, keep the receipt or bill.
It should show:
The date.
The name of the hospital.
The location of the hospital.
The cost of the journey.
Eligible taxi costs can include journeys relating to hospital admission, discharge, out-patient treatment or appointments, and collecting prescribed medication.
Keep receipts, bills or other proof of purchase for any additional transport, accommodation or other expenses you are claiming for.
Some additional travel, accommodation and repatriation arrangements require prior authorisation from the Emergency Medical Assistance Service, so contact the assistance team before making arrangements where required.
Emergency Medical Assistance and Claims Information
Eligible telephone costs for contacting and dealing with the Emergency Medical Assistance Service can be covered where you can provide evidence of the expense.
Keep itemised telephone bills or other suitable proof of the cost where possible.
If you received treatment while travelling in Europe, you may be asked to provide a copy of your Global Health Insurance Card (GHIC).
A GHIC can give you access to state-provided healthcare under reciprocal healthcare arrangements.
You can find more information about reciprocal healthcare and applying for a GHIC through the NHS.
Possibly.
The claims team may request information and medical history from your GP if it is relevant to assessing your claim.
If this is required, you may need to sign a medical release form so the information can be obtained from your GP surgery.
Yes.
For all claims, you must provide details of any other insurance under which you may also be able to claim.
For a medical claim, this can include:
Another travel insurance policy.
Private medical insurance.
Travel insurance provided through another product or service.
Other relevant insurance arrangements.
Where another insurance policy covers the same risk, the insurers may only be responsible for a proportionate share of the claim.
Where relevant, you may need to provide:
A copy of the death certificate.
Receipts or bills for funeral expenses.
Receipts or bills for cremation expenses.
Receipts or bills for repatriation expenses.
If an insured person dies outside their home area, the policy can cover eligible funeral expenses abroad plus the cost of returning their body or ashes home.
Contact the Emergency Medical Assistance Service as soon as possible so they can provide guidance on the arrangements.
Emergency Medical Assistance and Claims Information
You can register a travel insurance claim online.
You can also find further information about the claims process here:
Travel Insurance Claims Information
When registering your claim, have your policy number and supporting evidence available.
If you cannot obtain a receipt, medical document or other piece of evidence requested for your claim, contact the claims team.
They can explain what evidence is required and whether other supporting documentation can be considered.
Providing evidence does not automatically mean that an expense is covered. Any payment will depend on the circumstances of the claim and the terms, conditions and limits of your policy.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
