Before you travel it's important to make sure you know what protection you have and what to do should an emergency arise.
If your plan includes Travel Cover, you'll be able to benefit from the first rate cover you'd expect from a leading travel insurance plan. There are two levels of cover, so check your certificate of insurance to see which level applies to your company's healthcare plan. Here's a summary of the benefits:
| Benefits | Level 1 30 days per trip |
Level 2 120 days per trip |
|---|---|---|
| Overseas medical expenses | ||
| Charges for hospital treatment including accommodation, operating theatre charges, surgical dressings and drugs, and diagnostic tests including scans. Also specialists' fees for in-patient and out-patient treatment. Repatriation expenses (if required to be flown home for a medical reason) Transfer of body or ashes back to the UK (£50 excess does not apply to this benefit). |
Full cover up to £5 million* | Full cover up to £10 million* |
| Cost of burial or cremation outside the UK | Up to £1,000 | Up to £1,000 |
| Other travel benefits | ||
| Loss or damage to personal baggage | Up to £1,000* | Up to £2,000* |
| Loss of personal money | Up to £500* | Up to £1,000* |
| Loss or damage to business machines | Up to £500* | Up to £1,000* |
| Delayed departure | Up to £100 | |
| Missed departure | Up to £250* | Up to £500* |
| Cancelling the trip or cutting it short | Up to £2,000* | Up to £4,000* |
| Personal accident | Up to £25,000 | Up to £25,000 |
| Personal liability | Up to £2 million | Up to £2 million |
| Loss of passport | Up to £250* | Up to £250* |
| Delayed baggage | Up to £100* | Up to £200* |
| Legal expenses | Up to £25,000 | Up to £25,000 |
| Replacement employee travelling costs | Up to £750* | Up to £1,000* |
| Winter sports - 21 days per plan year (in addition to the cover above) |
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| Loss or damage to ski or snowboarding equipment | Up to £500* per plan year | |
| Loss of ski pass | Up to £500* per plan year | |
| Piste closure (£30 per day) | Up to £500* per plan year | |
| Loss of use of hired skis and ski pass due to illness or injury | Up to £500* per plan year |
Benefits are per holiday/business trip unless otherwise stated. *A £50 excess applies. Terms, conditions and exclusions apply.
Please check your plan documentation for full details of your Travel Cover.
Don't forget to pack your plan information and the telephone numbers you'll need should you have to claim while you're overseas. We also recommend that you visit the Foreign and Commonwealth office's webiste for the latest travel advice before you go on holiday or take a business trip. Go to www.fco.gov.uk/en/travel-and-living-abroad/
