Travel claims

Medical care overseas: what to do and what to gather

Call your insurer's assistance line early, and keep every document.

In an emergency get treated first. Then contact your insurer's emergency assistance line as soon as you can.

Do this first

1. Get the medical care you need first
2. Contact your insurer's emergency assistance line as soon as possible Many policies need them to approve major treatment or an admission. The number is on your policy.
3. Keep every document Medical reports, itemised invoices, receipts and prescriptions.
4. Ask before paying large bills yourself Your insurer may be able to pay the hospital directly.

Who to tell

• Your insurer's emergency assistance line: As soon as possible, ideally before major treatment.
• Your airline: If you need to change flights.

What to gather

• Your insurer's assistance case number. Links your claim to the call.
• Medical reports and diagnosis. Shows what was wrong and what was done.
• Itemised medical invoices. Itemised, not just a total.
• Proof of payment. Receipts or card statements.
• Your travel dates and where you were. Cover applies only during the trip.
• Prescriptions and pharmacy receipts. Part of the claim.
• Details of any previous related medical history. Pre-existing conditions are often excluded.
• Receipts for changed flights or transport. If your policy covers them.

Things that catch people out

• Conditions that existed before you bought the policy are commonly excluded unless declared and accepted.
• Treatment that wasn't approved when approval was required can reduce what's paid.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.