Before you travel it's important to make sure you know what protection you have and what to do should an emergency arise. Here we've provided a summary of the benefits but please check your plan documents 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 you visit the Foreign and Commonwealth Office website for the latest travel advice before you go on holiday or take a business trip.
Select the name of your healthcare plan (this will be detailed on your most recent certificate of insurance):
Personal healthcare
Primecare Gold or Primecare Plus
There are two levels of Travel Cover under personal healthcare, so check your certificate of insurance to see which level applies to your 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* |
| 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 |
| Winter sports - 21 days per plan year (in addition to the cover above) |
||
| 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.
The following benefits are included:
| Benefits | Cover |
|---|---|
| Worldwide travel cover For any number of trips up to 90 days each involving business or leisure travel outside the UK |
|
| 1. If you are taken ill overseas All of your overseas medical expenses: Charges for in-patient hospital treatment and accommodation, including nursing and drugs prescribed in a ward Diagnostic tests including pathology, radiology, CT, MRI and PET scans Radiotherapy and chemotherapy Surgeons', anaesthetists', physicians', physiotherapists' and specialists' fees for in-patient and day-patient treatment Additional accommodation costs and travelling expenses if another insured person travelling with you needs to stay or travel with you 2. Repatriation expenses if you need to be flown home for a medical reason |
Full cover up to £10 million |
| 3. Loss or damage to your personal belongings | Up to £1,500 |
| 4. Loss of personal money | Up to £500 |
| 5. Loss of your passport | Up to £150 |
| 6. Delayed departure | Up to £100 |
| 7. Delayed baggage | Up to £100 |
| 8. Cancellation or curtailment of a business or leisure trip (per member, per trip) | Up to £5,000 |
| 9. Personal liability (per member, per trip) | Up to £3 million for Primecare Gold Up to £2 million for Primecare Plus |
| 10. Personal accident | Up to £25,000 |
| 11. Legal support with Eurolaw Helpline | Unlimited access |
| Winter sports cover up to 17 days, in addition to the medical expenses cover above: |
|
| 12. Loss or damage to your ski and snowboarding equipment | Up to £500 |
| 13. Loss of use of ski pack due to illness or injury | Up to £500 |
| 14. Loss of your ski pass | Up to £500 |
| 15. Piste closure (£30 per day) | Up to £500 |
A £30 excess per person applies to each claim for medical expenses (item 1), loss of money (item 4) and personal liability (item 9).
A £50 excess per person applies to each claim for loss or damage to personal belongings (item 3) and any claim under winter sports cover.
Additional benefits apply and are detailed in full in your plan documentation.
