Travel Medical Insurance

Expatriate Group’s International Travel Insurance TravelCare policy covers all nationalities, travelling from anywhere in the world.

Plan Options

Worldwide Travel Insurance

There are so many spectacular places to discover and you shouldn’t let a little thing like travel insurance hold you back. Wherever you want to go in the world, it’s important that you are happy with your level of medical insurance, so you can enjoy your holiday worry free.

Here at Expatriate Group, we will give you peace of mind when you’re travelling even if you have a pre-existing medical condition. We know how vital it is that you have travel medical insurance that you can rely on ensuring that you have rapid emergency treatment if you get injured and you can safely return home if required.

Medical Treatment & Evacuation

The travel medical insurance policy primarily provides medical cover against the high cost of medical treatment and emergency medical evacuations when you’re abroad. This includes 100% cover of acute/emergency sickness and injury and hospitalisation. You can see the benefit schedule below to see exactly what’s included.

Additional Medical Benefits

Sometimes accidents and losses can be unavoidable, but they can be extremely frustrating. We offer an optional level of protection that you can add to the standard plan to cover yourself against losses to property, liability and accidents that you may suffer whilst travelling abroad. In addition to this we offer an extra level of cover for cancellation and curtailment.

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Policy Benefits

Key Benefits of our Travel Medical Insurance

With Expatriate Group’s worldwide travel medical insurance policy, additional policy options are available if you wish to adapt cover and premiums to provide you with exactly the right travel insurance solution for you. Just choose whether you want a single or annual trip and put your mind at rest that you’re covered on your travels.

Emergency Medical Evacuation

Travel medical insurance with Expatriate Group covers charges for transportation when essential medical treatment is not available in your location. You will be medically evacuated to a suitable medical facility based on feedback from medical advisors and your doctor. You will be transported safely to a hospital or other treatment facility to receive the care you need.

Emergency & Accidental Medical Treatment

If you’re travelling in an area that has a lack of suitable medical facilities having travel medical insurance cover is important. Should you fall ill or become injured when travelling we will ensure you receive the medical treatment you need at an appropriate hospital or clinic. You will have peace of mind that no matter where you are in the world you will get the treatment needed.

Enhanced Benefits & Protection

By offering a core policy that you can tailor, your travel medical insurance is in your hands. You can add different benefits that suit your requirements. Optional protection covers you against the likes of loss of passport, personal liability, baggage delays and theft, missed departures, and legal expenses. Evacuations for non-medical reasons can also be added to your policy.

Cancellation and Curtailment Cover

Travel medical insurance cancellation and curtailment protects you should you need to cancel your trip before you depart or come home early. Reasons can include anything medical, including sickness, serious injury, or death. Cover can also extend to strikes, industrial action, redundancy, or your travel operator collapsing. Our policy benefits schedule shows a full breakdown.

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Travel Medical Insurance

The Benefit Schedule

The benefit schedule below is applicable to Expatriate Group’s Travel Medical Insurance. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.

BASIC Medical Treatment & Evacuation
Emergency and Accidental Medical Treatment €/$1,000,000
Emergency Medical Evacuation €/$100,000
Air Ambulance 100% per Trip
Accompaniment $/€300 per day up to $/€3,000 per Trip
Continuation $/€5,000 per Trip
Repatriation for Medical Treatment 100% per Trip
Care Management 100% per Trip
Acute/emergency Sickness and Injury 100% per Trip
Treatment by authorized physicians, nurses and specialists 100% per Trip
Hospitalization (semi-private rooms) 100% per Trip
Surgery, anesthesiologist 100% per Trip
Prescribed medicines, dressings 100% per Trip
Local transport to and from the place of treatment 100% per Trip
Treatment by physiotherapists and chiropractors $/€2,500 per Trip
Medically Necessary required durable medical equipment 100% per Trip
Limited motorcycle and sports vehicle coverage for injuries only $/€10,000 per Trip
Emergency dental treatment for immediate relief of pain $/€500 per Trip
Non-Hazardous Sports Coverage $/€150,000 per Trip
Other Benefits
Repatriation of Mortal Remains $/€25,000 per Trip
ATMSafe $/€500 per Trip
STANDARD Enhanced Benefit Options
Emergency and Accidental Medical Treatment €/$1,000,000
Emergency Medical Evacuation €/$100,000
Baggage Delay 1 $/€100 per day up to $/€700 per Trip
Baggage Loss/Theft $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip
Personal Liability $/€100,000 per Trip
Accidental Death & Disability / Permanent Total Disability $/€100,000 per Trip
Additional Hospital Benefit (per day / total benefit) $/€75 per day up to $/€600 per Trip
Physical Assault $/€5,000 per Trip
Money and Documents (tickets, cash, banknotes) $/€500 per Trip
Loss of Passport $/€250 per Trip
Travel Delay 1 $/€100 per day up to $/€1,000 per Trip
Missed Departure $/€1,000 per Trip
Legal Expenses $/€10,000 per Trip
Hijacking $/€1,000 per Trip
Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters $/€1,500 per Trip
1. Benefit does not apply to One Way Trips
COMPREHENSIVE Cancellation and Curtailment Cover
Emergency and Accidental Medical Treatment €/$1,000,000
Emergency Medical Evacuation €/$100,000
Cancellation and Curtailment 2 $/€2,000 per Trip; subject to $/€100 Deductible per Trip
Compassionate Repatriation (Family Return) $/€6,000 per Trip
2. Benefit not available to residents of the USA
Add On Option 1
Winter Sports Package – Limited to 21 days aggregate per Policy Period
Ski Equipment
Owned Up to $/€300
Hired Up to $/€300
Single item limit $/€300
Unreceipted Items Limit Up to $/€150
Unreceipted Single Item Limit Up to $/€50
Ski Hire $/€25 per day up to $/€300
Ski Pack $/€25 per day up to $/€300
Piste Closure $/€25 per day up to $/€300
Delay Due to Avalanche Up to $/€300
Add On Option 2
Business Equipment & Money
Business Equipment Up to $/€1,500
Single Item Limit $/€500
Computer Equipment Single Item Limit $/€750
Samples Limit $/€400
Unreceipted Items Limit Up to $/€300
Unreceipted Single Item Limit $/€50
Delayed Business Equipment $/€100 per day up to $/€300
Emergency Courier of Essential Business Equipment Up to $/€400
Business Equipment Hire $/€100 per day up to $/€500
Business Money Up to $/€500
Cash Limit $/€200
Add On Option 3
Golf Cover – Limited to 21 days in aggregate per Policy Period
Golf Equipment Up to $/€1,000
Single Item Limit $/€200
Unreceipted Items Limit Up to $/€300
Unreceipted Single Item Limit $/€50
Golf Equipment Hire $/€50 per day up to $/€250
Non-Refundable Golfing Fees $/€50 per day up to $/€250
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Travel Medical Insurance FAQs

Is travel medical insurance compulsory?

Travel medical insurance isn’t compulsory when you go overseas. However, we deem it necessary. Getting medical care on holiday could cost you thousands of pounds if you’re not protected. Travel medical insurance that covers emergency medical treatment and evacuation when you’re abroad essential.

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Our worldwide travel insurance works by reimbursing you for the costs associated with any emergency treatment you receive for an illness or injury during a trip abroad. With us you’re covered for up to $/€1,000,000 for emergency and accidental medical treatment.

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There are certain pre-existing medical conditions that you will need to declare when purchasing travel medical insurance. Anything that may increase the chance of needing medical treatment abroad will need to be noted.

Yes, generally high blood pressure is considered a pre-existing medical condition as is diabetes, heart disease and anything that would not have occurred overnight after buying your travel medical insurance plan.

When choosing a single trip or one way trip policy the maximum duration must not exceed 180 days. If you’re purchasing an annual multi-trip policy the maximum duration of a trip must not exceed 90 days in total. If you need longer cover take a look at our International Health Insurance.

Get your Travel Medical Insurance quote online now.

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