Under the current CoverForYou Direct travel insurance policy, you have up to £15 million per insured person, per trip for eligible emergency medical and other expenses.
This can include necessary medical treatment, hospital care, emergency dental treatment and medically necessary repatriation following an unforeseen illness, injury, disease or personal quarantine during your trip.
Some benefits have separate financial limits, and all expenses must meet your policy's terms and conditions.
Under Section 2 – Medical Emergency and Repatriation Expenses, eligible costs incurred outside your home area can include:
Emergency medical treatment: Treatment for an unexpected illness, injury or disease.
Hospital treatment: Necessary hospital admission, surgery and associated medical charges.
Ambulance services: Eligible emergency ambulance and medical transport costs.
Medical fees: Necessary charges from medical professionals treating your condition.
Emergency dental treatment: Treatment required for the immediate relief of pain.
Benefit | Silver | Gold | Platinum |
|---|---|---|---|
Emergency medical and other expenses | £15 million | £15 million | £15 million |
Emergency dental treatment | £500 | £500 | £750 |
These limits apply per insured person, per trip.
The £15 million figure is the maximum available benefit, not a guaranteed payment for every medical expense.
Depending on your level of cover, a hospital benefit may be payable for each complete 24-hour period you are:
Admitted to hospital; or
Confined to your accommodation on the advice of a medical practitioner.
Cover Level | Per Complete 24 Hours | Maximum Benefit |
|---|---|---|
Silver | Not included | £0 |
Gold | £20 | £500 |
Platinum | £20 | £1,000 |
This benefit is separate from reimbursement of eligible medical treatment expenses.
The policy also provides for a contribution towards meal expenses for a nominated person staying or travelling with you, subject to the applicable benefit provisions.
Important: The hospital benefit is calculated using complete 24-hour periods. Partial periods do not qualify for an additional payment.
If your medical circumstances result in additional kennel or cattery fees, you may be eligible for the policy's Pet Care benefit.
Cover Level | Per Complete 24 Hours | Maximum Benefit |
|---|---|---|
Silver | £25 | £250 |
Gold | £35 | £350 |
Platinum | £50 | £500 |
This benefit is intended for eligible additional pet-care expenses resulting from the circumstances covered under the medical section.
Keep invoices and receipts for any additional charges.
Yes, eligible expenses may include:
Taxi fares to or from hospital for admission, discharge, outpatient treatment or medical appointments.
Taxi journeys to collect medication prescribed for you.
Telephone calls to and from our Emergency Medical Assistance Service concerning your medical emergency.
You must keep receipts, itemised bills or other evidence of the costs you wish to claim.
If it is medically necessary for you to remain abroad beyond your scheduled return date, your policy may cover additional transport and accommodation expenses.
This can include:
Necessary additional accommodation, up to the standard of your original booking.
Additional transport to return home or to a suitable hospital nearby.
Additional accommodation closer to the hospital.
Reasonable hospital-related taxi or hire car expenses.
With prior authorisation from our Emergency Medical Assistance Service, the policy may also cover reasonable additional transport or accommodation expenses for someone to:
Remain abroad with you.
Travel from the UK to stay with you.
Escort you home.
These arrangements must be authorised and meet the policy conditions.
What Extra Costs Are Covered If I Cannot Return Home for Medical Reasons?
Yes, if it is medically necessary and authorised in advance by our Emergency Medical Assistance Service.
Eligible repatriation arrangements may include suitable air or other transport and qualified medical attendants where required.
Travel will normally be arranged in the same class used for your outward journey, unless the assistance team agrees otherwise.
What Is Medical Repatriation and How Does It Work?
If illness, injury or death prevents you from driving your vehicle home, the policy may cover the reasonable cost of:
One person collecting and returning the vehicle; or
A specialist vehicle recovery company returning it.
Any claim must meet the applicable policy conditions.
If an insured person dies outside their home area, the policy may cover eligible funeral expenses abroad plus the cost of returning their body or ashes home.
Different arrangements apply to an eligible trip within the insured person's home area.
What Happens If an Insured Person Dies While Travelling Abroad?
Not every medical expense is covered.
For example, exclusions can apply to:
Treatment that can reasonably wait until you return home.
Pre-existing medical conditions that have not been accepted for cover.
Regular medication you knew you would need during your trip.
Treatment unrelated to the illness or injury requiring hospital admission.
Expenses incurred without required prior authorisation.
What Medical Expenses Are Not Covered by My Travel Insurance?
Seek immediate local medical attention if you are seriously ill or injured.
Contact our Emergency Medical Assistance Service as soon as possible if you are admitted to hospital.
Obtain the required authorisation before arranging repatriation or additional services requiring approval.
Keep medical reports, receipts and supporting documents for your claim.
Telephone: +44 (0)330 123 2370
Available: 24 hours a day, 365 days a year.
Emergency Medical Assistance and Claims Information
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
