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At Insurancewith we understand that having to seek medical attention abroad can be extremely frightening and stressful, which is why we have created the following guide to help you cope in such a situation, and to understand how our 24 hour emergency assistance service can work on your behalf.
Below is a checklist of things you should know and do before you leave home;
More information can be found in your policy wording or in the tabs below.
Our first priority is always the safety and wellbeing of our customers, followed closely by excellent customer service. To make sure we meet your expectations it is important that you know what EAF and your policy can do for you;
What happens if I miss my return flight due to illness or injury?
Don’t worry, provided you have contacted our medical assistance service your policy will be automatically extended to cover you until it is agreed that you are fit to travel home. Our medical assistance service will liaise with you and, where necessary, with your treating doctor to decide when you are fit to travel.
What if I want to come home early?
This policy covers you to come home early due to illness or injury, only if medical treatment is not available locally. If you are thinking of cutting short your trip because you are not well then you must contact our 24 hour emergency assistance service on +44 (0) 2038 296 745 for advice first.
If you need to come home for any other reason, such as the illness of a close relative in the UK then you should make your own arrangements, bearing in mind your duty to act at all times as if uninsured. If you are not sure whether your circumstances are included in the cover then call Travel Claims Facilities on + 44 (0) 2038 296 761.
What is the tourist trap?
The ‘tourist trap’ refers to certain privately owned medical clinics around the world who seek to ‘trap’ tourists by inflating medical bills in the hope of getting paid by the tourist or their travel insurance. These clinics usually pay taxi drivers, hotels and hostels to send any injured tourists to their clinics, they then charge extortionate rates without providing appropriate care for their patients. To protect yourself against falling into the trap, always make sure you visit a state facility if possible, and under no circumstances should you ever give your credit card details or surrender your passport to anyone.
I’m travelling to Europe, why do I need insurance if I have an EHIC?
The EHIC should never be a substitute for travel insurance, although it should offer you free or discounted medical treatment and prescriptions in most state EU facilities, it will not cover the cost of repatriation – for example if you have missed your return flight home due to illness or injury and need to book a new one.