How much medical cover do you need 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

Simple 3 step quote process

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

2. Complete our simple medical screening process

3. Get your quotes

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