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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:

  • United States  £3,363
  • Spain  £15,000
  • The UAE £2,094
  • Argentina  £2,378
  • India  £2,555

Please note – these costs don’t include ambulance fees, medication fees or fees for surgery.
Referenced from National accident helpline Subject to change

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 Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Recuperation stay
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.

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

Written by: Lydia Crispin | Travel Insurance Expert
Last Updated: 26 February 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.