Travel Insurance and medical transport, Evacuation and Repatriation

If your trip hasn't gone to plan and you need to find out more about travel insurance for emergency transport, evacuation and repatriation expenses, this information may help.
As we’ve recently changed our insurer, please select the date you bought your policy:


Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)

For policies purchased on or after 1 Nov 2018:

If you are accidentally injured, become seriously ill or in a worst-case scenario you die while abroad, your policy may cover emergency transport, evacuation and repatriation expenses home to the UK.

What’s covered

Depending on where you are and what’s happened to you, there may be cover for emergency medical transport by road ambulance or other suitable transport (including by helicopter if available and medically necessary) to transfer you to:
  • the nearest, most appropriate hospital/medical facility;
  • another city, neighbouring country or back home for the most appropriate medical care.
If repatriation is medically required in the opinion of our 24/7 Emergency Assistance team, there cover for:
  • reasonable, medically appropriate transportation to get you home, including air ambulance and class upgrades;
  • other reasonable additional expenses such as a medical escort or the costs of your travelling party, a friend or a close relative to travel home with you, or to accompany your insured child if you’re not able to.
If you die overseas, then the repatriation cover includes:
  • funeral expenses (burial or cremation) overseas; or 
  • transport of your remains home; or
  • cremation overseas and transport of your ashes home.

How it works

If something happens and you need emergency transport, you (or someone else) must:
  • Contact our 24/7 Emergency Assistance team as soon as possible and remain in contact until your return home or until you no longer require treatment or assistance.
  • Work in consultation with the emergency assistance service medical consultant to decide and arrange the most appropriate transportation.
Be aware that if our 24/7 Emergency Assistance team is not contacted or if you arrange your own repatriation or transport which is determined to not be medically necessary or reasonable under the circumstances, cover may be limited.
Where you go, when and how you get there, the availability of transport and the suitability of the medical facilities nearby will depend on where you are located and your medical situation.
What’s not covered
Travel insurance is not designed to cover everything, so take the time to read the policy wording for the full terms, conditions, limitations and exclusions so there are no surprises if you do need to use it.
Here are some of the main things that aren’t covered:
  • The cost of a return flight home if you don’t already have one.  Why? Because cost of a return flight is considered a normal travel cost.
  • If you refuse to be repatriated after being declared medically unfit to continue on your trip, then any ongoing or additional costs are yours.
  • Any expenses that relate to a pre-existing medical condition as explained in the policy wording.
  • Any costs you incur once you get back home.
  • Anything else that's listed in the exclusions of the policy.

Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited. For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s.

 

For policies purchased before 1 Nov 2018:

Emergency transport, evacuation and repatriation expenses home are included if you are accidentally injured, become seriously ill or in a worse case scenario, you die while abroad.

What’s covered

Depending on where you are and what’s happened to you, there’s cover for emergency medical transport by road ambulance or other suitable transport (including by helicopter if available and medically necessary) to transfer you to:
  • the nearest, most appropriate hospital/medical facility
  • another city,neighbouring country or back home for the most appropriate medical care.
If repatriation is medically required on the advice of the attending medical practitioner, there’s cover for:
  • reasonable, additional economy class travel expenses to get you home
  • other reasonable additional expenses such as a medical escort or the costs of a friend/relative to travel home with you (or accompany your child if you’re not able to).
If you die overseas, then the repatriation cover includes either transportation of your remains or ashes home or your overseas funeral, burial or cremation (not both).

How it works

If something happens and you need emergency transport, you (or someone else) MUST:
  • contact our Emergency Medical Assistance Service as soon as you can and remain in contact until your return home or until you no longer require treatment or assistance.
  • work in consultation with the emergency assistance service medical consultant and your treating doctor to decide and arrange the most appropriate transportation
Be aware that if the Assistance Service are not contacted or if you arrange your own repatriation or transport which is determined as not medically necessary or reasonable under the circumstances, cover may be limited.
Where you go, when and how you get there, the availability of transport and the suitability of the medical facilities nearby will depend on the where you are located and your medical situation.

What’s not covered

Travel insurance is not designed to cover everything, so take the time to read the policy wording for the full terms and conditions so there are no surprises if you do need to use it.
Here are the main things that aren’t covered:
  • The cost of a return flight home if you don’t already have one.  Why? Because cost of this return flight is considered a normal travel cost.
  • If you refuse to be repatriated after being declared medically unfit to continue on your trip, then any ongoing or additional costs are yours.
  • Any expenses that relate to a pre-existing medical condition as explained in the policy wording.
  • Any costs once you get back home.
  • Anything else that's listed in the exclusions on the policy.

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.


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Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

_________________


For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738