Find out why travel insurance isn't health insurance and learn the difference.
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This information is for all travellers except: Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders.
Travel insurance is there to help you when you need it most. If you've been involved in an accident or you've fallen ill and need medical care, our travel insurance policies can help patch you up and get you back on the road.
Just keep in mind that our policies are travel insurance policies not health insurance policies, and most policies don't cover pre-existing medical conditions. Make sure you read through your policy carefully to see how you can be covered.
No, it's a travel insurance policy. It's there for overseas medical emergencies. It's not designed to cover ongoing illness or treatment overseas, or any treatment when you get home.
If you’re injured in an accident or suddenly become ill while traveling, you can be covered for overseas emergency medical treatment including:
We also have 24 hour multi-lingual assistance teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, and keep you in contact with your family back home. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.
It’s essential that you get in contact with our emergency assistance teams as soon as possible, so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
My symptoms were intense headaches, high fever (39.7 degrees C by the time I reached the hospital in Kutchan on the 18th), nausea & vomiting, loss of appetite & energy, and diarrhoea. Although I'd initially thought it to be a common cold or stomach bug, it because progressively worse, until I was forced to visit the Kutchan hospital, (the nearest medical facilities with an English interpreter). After a thorough examination, they put me on a saline drip and took multiple blood samples to try to work out what was wrong. However, they were not able to confirm this, telling me that it could be influenza, acute gastroenteritis, or one of a host of other viruses.
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 overseas.
We’ve got your back.
We'll get you to hospital quickly.
Help starts here.
Cover your stolen or damaged gear and tech.
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.
Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
Before your trip, check the latest government advice for any travel alerts for your destination.