Medical cover with Fit4Travel

Should anything go wrong whilst abroad the last thing you want is to be left with expensive medical costs. It's why medical cover is often considered one of the most important aspects of a travel insurance policy.

Cover does not apply to trips within the United Kingdom. Before a claim for emergency expenses can be submitted under this section, you must contact the Medical Emergency Service. Please refer to page 4 of the relevant policy wording.

Choose a cover level:

What is covered on the Platinum level of cover

Up to £10,000,000 for costs incurred outside the United Kingdom:

1) for emergency medical and surgical treatment. Claims for emergency dental treatment (for the relief of pain only) shall be limited to £400;

2) for reasonable and necessary additional accommodation (room only) and travelling expenses (economy class), including those of one relative or friend if you have to be accompanied home on medical advice or if you are a child and require an escort home;

3) in the event of death:

  • a) for conveyance of the body or ashes to the United Kingdom (the cost of burial or cremation is not included), or,
  • b) local funeral expenses abroad limited to £1,500;

NOTE – All receipts must be retained and produced in the event of a claim. Your claim may be rejected if receipts are not produced.

If you become ill or are injured we have the right to bring you back home, if the treating doctor and the Medical emergency service doctor agree that you can safely travel home. If you refuse to return home, we have the right to stop cover.

What is not covered

1) for the first £75 of each and every incident per each insured person involved in the incident;

2) for any sums which can be recovered by you and which are covered under any National Insurance Scheme or Reciprocal Health Arrangement;

3) for any expenses incurred for illness, injury or treatment required as a result of:

  • a) surgery or medical treatment which in the opinion of the attending Medical Practitioner and the Medical emergency service doctor can be reasonably delayed until your return to the United Kingdom;
  • b) medication and/or treatment which at the time of departure is known to be required or to be continued outside the United Kingdom;

4) for preventative treatment which can be delayed until your return to the United Kingdom;

5) if you have not obtained a written certificate of fitness and ability to travel and endure the trip where you are undergoing medical treatment as a hospital out-patient at the time of paying the final balance of your trip;

6) for any claim at the departure date, you or your travelling companion are travelling against the advice of a Medical Practitioner or travelling for the purposes of obtaining medical treatment;

7) for claims that are not confirmed as medically necessary by the attending doctor or the Medical emergency service doctor;

8) for the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;

9) for any additional hospital costs arising from single or private room accommodation unless medically necessary;

10) for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;

11) for expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication;

12) for taxi fares not considered medically necessary, and where receipts have not been provided;

13) for the costs of phone calls other than the first call to tell us about the medical problem;

14) for costs where receipts are not produced;

15) for costs that arise over 12 months after a claim was first notified;

16) for you undertaking a trip if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;

17) for any medical test you have planned or expect to have;

18) for any costs for cosmetic surgery or body art (e.g. tattoos or piercings) and any subsequent medical treatment required as a result of such a procedure;

19) for any treatment or medication that you receive after your return to the United Kingdom;

20) for anything mentioned in the General Exclusions