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Home » Travel insurance » Repatriation Travel Insurance

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Why do I need repatriation travel insurance?

Repatriation travel insurance covers you should you fall ill or get injured while on holiday, and need to be transported back to your home country for further care. This type of insurance covers you for medical emergencies, even those related to COVID-19, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

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.

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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

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.

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.

Why More Than 3 Million People Have Trusted Allclear

Read AllClear Trustpilot Reviews

What Our Customers Say

Recommended by a friend who deals in medical repatriation

“Recommended by a friend who deals with repatriation and understands the problems with various insurance companies. Easy over the phone. Reasonable price and great reassurance.”

Mike Pittard – Trustpilot

Discover why 97% of customers rate us as ‘Excellent’ or ‘Great’!

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.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.