Accommodation booked – check! Flights arranged – check! Travel insurance bought? – double-check the levels of medical repatriation cover first…
Because if you fall ill or get injured while on holiday, you may need to be transported back to your Home Country for further care – this is where your repatriation insurance kicks in and why it’s essential.
But how much do you really know about the levels of repatriation cover available? And what steps to take if you need to use it? We answer these questions and more below!
Which Policies Include Repatriation Cover?
We are pleased to tell you that cover for repatriation is included as standard on every AllClear policy. Please note, this may not be the case for other insurance providers!
Explaining the True Value of Repatriation Travel Insurance
If you need to be transported home following a medical problem abroad, it can cost thousands of pounds, because you may require:
- A medical escort
- A specialist air ambulance
- Expenses for hospital stays, treatment, and equipment
- Travel and accommodation costs for your companion
If you are travelling in Europe, you may believe the European Health Insurance Card (EHIC) can protect you. However, it’s important to know the EHIC does not provide repatriation cover, and according to the Association of British Insurers, an air ambulance from Spain can cost £25,000. If you think that’s costly, please note that repatriation from countries like the USA is significantly higher, potentially running into hundreds of thousands of pounds, due to their predominantly private and expensive healthcare systems. Without repatriation cover, you’ll have to foot the bill yourself.
Thankfully, specialist medical travel insurance can cover repatriation and offer 24/7 emergency helplines to help you get the treatment you need wherever you are in the world. On AllClear Gold and Gold Plus policies, we also provide the reassurance of an English language translator if you need help communicating with your doctor abroad.
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- All ages. All medical conditions. All destinations.
Can You Get Repatriation Cover with a Pre-Existing Medical Condition?
Yes! Every AllClear policy covers medical expenses AND repatriation caused by your pre-existing conditions. So, all you have to do is declare your conditions during our simple 3 step quote process and you can get repatriation cover for up to £15,000,000.
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How Adventure Breaks and Winter Sports Affect Repatriation Cover
If you’re planning on hitting the slopes, then you’ll need the add on of Winter Sports cover to ensure you’re covered for medical repatriation.
Likewise, if you’re planning an extra adventurous holiday with ‘hazardous activities’ planned, you should check that all planned events are covered. For example, if you are trekking above 3,000M on AllClear policies there may be an additional premium to pay to cover the activity.
However, you may also be surprised with how many activities can be covered for no additional cost on AllClear branded policies, from kayaking to surfing to even banana boat rides!
What Is the Process If You Need Repatriation?
If you are unlucky enough for repatriation to be considered, your case will be assessed by the specialist medical assistance team of your travel insurance policy, and the assessment of your doctor abroad.
Their decision will depend on several factors, including the facilities and level of care available in the country where you are being treated, and whether it is medically safe for you to travel.
We hope you found this information on repatriation travel insurance helpful!
If you’d like to start quote, click the quote now button below to compare up to 61 prices.