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Get medical help from a medical practitioner, such as a doctor, or by going to a hospital as soon as possible.
If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Assistance Team as soon as you can.
Once you’re able to contact our 24/7 Emergency Assistance team, please be ready with the following:
Please be aware that depending on where you’re travelling to, there may be Reciprocal Health Care Agreements in place (the Emergency Assistance team will let you know). The terms of your policy require that you use the public health system where possible, particularly when travelling in a country with reciprocal health agreements.
If your private health/medical insurer offers medical cover for you when you're overseas, you will need to follow their notification and claims procedures before making a claim on your travel insurance policy.
Most claims need supporting documentation and medical claims are no different. So while it may be the last thing on your mind, do try and get copies of documents that will support your claim before you leave the medical facility such as:
In some cases, we may need to obtain your past medical history from your usual doctor at home but we’ll let you know if this is the case.
You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.
Cover for European nomads if COVID-19 derails your overseas trip
If you, a relative or someone in your travelling party falls ill due to Coronavirus, you may be covered for a number of insured events under our Medical and Coronavirus Travel Costs benefit sections.
Cover varies between our Standard and Explorer plans. If you are diagnosed with Coronavirus while overseas your benefits include:
Benefit limits apply and vary between the plans.
Our COVID-19 cover benefits have been created to give European travellers the opportunity to travel more securely knowing that they have the option to access a set of travel and medical benefits on our Standard and Explorer plans.
If you have purchased the Explorer Plan, cover is available for some Coronavirus-related Insured events, including but not limited to:
Please note: COVID-19 cover depends on your Country of Residence and varies between plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
It's a requirement to stay up to date with all required vaccinations for the destination(s) you're heading to and that may include the Coronavirus vaccine among others.
Follow the advice of your Foreign Ministry and local advice, in addition to the precautionary measures set out by the World Health Organization (WHO). Take the time to research what these may be before you go, so you’re fully prepared if you get sick with Coronavirus. For more about COVID-19 and vaccination tips please click here.
This information may help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.
If you have questions about what's covered and not covered, just ask us.
Protect your hard earned vacation from unexpected cancellation before you leave home.
We’ve got your back.
Take the pain out of medical costs while traveling abroad.
We’ve got your back.
Expenses included in Emergency Medical limits.
Help starts here.
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Are you in need of emergency assistance right now?
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Ireland | +353 (0) 90 640 6460 |
| Netherlands | +31 (0)20 8080731 |
Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.