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Travel Insurance » Medical Travel Insurance » How much medical cover do you need for Travel Insurance?

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What is medical cover for Travel Insurance?

Medical cover helps you avoid unexpected bills if you have a medical emergency when travelling.

The following guide should help you understand more about the level of medical cover you need.

What does Medical Travel Insurance cover?

  • Ambulance service
  • Doctor bills
  • Medication
  • Hospital stays
  • X-rays and examinations
  • Treatments and anaesthetics

How much Medical Travel Insurance is enough?

Forbes recommends that you have Medical Travel Insurance cover for £2 million for Europe, £5 million worldwide.

Does it matter where you’re travelling to?

Yes! Costs for emergency medical care varies greatly depending on where you travel to. To provide some perspective, here are the costs of treating a broken bone in different countries:

Please note – these costs don’t include ambulance fees, medication fees or fees for surgery.

Dr Soren Carstens from Bupa Global states, “…. travellers could be out of pocket if they haven’t got the right cover in place before they set out.” She continues:  “Our experience dictates that quality global health insurance is necessary– whether you’re at home or away, as it gives you access to the best possible care…”

If you’re travelling in Europe and have a GHIC card, do you still need Travel Insurance?

Europe is a popular destination among UK travellers. During our Summer Survey, 47%2 of respondents selected Western and Southern Europe as somewhere they planned to go within the year. If you’re a British citizen and have a GHIC card, you can receive emergency medical cover when visiting countries within the EU. However, the GHIC scheme doesn’t cover all aspects of emergency care, such as repatriation. So, Travel Insurance is still vital when travelling in Europe.

How much medical cover does AllClear Travel offer?

At AllClear we want to ensure that those travelling with an AllClear branded policy can have peace of mind that they won’t be left out of pocket should the worst happen. We offer up to 15M emergency medical expenses cover and repatriation costs.

To ensure your policy remains valid, make sure you declare all medical conditions during the medical screening process when buying Travel Insurance.

Discover how we can help you travel with confidence today!

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.
Freephone to get your quote on: or

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 AllClear Summer Survey 2022 – 3,268 responses

* With a purchase of an AllClear branded policy, you’ll automatically enter the £500 prize draw. Plus, you’ll get 20% off the base price of your policy. Discount does not apply to any premium generated to cover medical conditions and optional extras. This offer cannot be used in conjunction with any other offer. Offer ends at 23:59 on 4/12/23. T&Cs apply

Written by: Lydia Crispin | Travel Insurance Expert
Last Updated: 23 August 2023


[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

About Us
Our mission is to help anyone with pre-existing medical conditions to get the insurance they want and need.
We're passionate about offering value to customers of any age, with any condition. Our heritage in travel insurance means that we help customers travel anywhere in the world.
Contact Information
Gibraltar Office
AllClear Limited, Portland House Glacis Road, Gibraltar, GX11 1AA
UK Office
AllClear Insurance Services Limited, AllClear House 1 Redwing Court, Ashton Road, Romford, Essex RM3 8QQ
Australia Office
AllClear Insurance Services PTY Limited, Suite 1.04, Level 1 19 Harris Street, Pyrmont, Sydney, NSW
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AllClear Travel Insurance is arranged by AllClear Limited, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. AllClear Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. AllClear Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.