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Repatriation insurance

In simple terms, repatriation insurance covers you for for an unexpected return to your home county in the event of a medical emergency.

If this happened, as stated by our policy information: As a result of emergency medical treatment whilst on your trip abroad our Chief Medical officer decided that it was medically necessary for you to return home either before or after your scheduled return date, or you were unfortunate enough to suffer a serious accident, illness or injury during your trip which resulted in your death.

So, how does repatriation insurance work in a holiday insurance policy?

Travel insurance with repatriation

You may have noticed that very few travel insurance policies explicitly state repatriation in their summary of cover. This is because repatriation insurance is actually a component of any travel insurance policy worth it's salt. You'll find it grouped together under 'Emergency Medical expenses' in the policy wording. The amount listed under this category heading covers for the possibility of an unexpected return trip to the UK as a result of a medical emergency.

As you can imagine, repatriation back to the UK can be extremely costly, so it's really important to check out the repatriation section of any policy before buying, as amounts and benefits can vary.

Here is a break down of what is covered under medical emergency and repatriation:

  • Medical practitioners' fees
  • Hospital expenses
  • In-patient and out-patient medical treatment
  • Medical transportation
  • Medical escort
  • Repatriation travel costs

Medical Repatriation

Holiday Extras travel insurance provides repatriation insurance as part of the cover for medical emergency expenses. With a Silver level policy, you can expect to be covered for up to £10 million for medical emergency expenses, including repatriation back to the UK.

Here's how much you can expect to be covered for under medical emergencies and repatriation:

  • Silver cover provides up to £10 million for Repatriation and Medical emergency expenses.

  • Platinum Annual cover provides up to £10 million for Repatriation and Medical emergency expenses for 365 days from the start date of the policy.

  • Platinum single trip cover provides up to £10 million for Repatriation and Medical emergency expenses.

If you need to seek medical attention whilst abroad, please ensure that you contact the 24-hour Emergency Assistance Service for help and advice before treatment, where possible, full details can be found within the policy wording. We would advise you to keep this number in your mobile phone and give it to anyone else you are travelling with.

Repatriation Insurance Cost

Considering the costs of transportation, medical escorts and possibly even an emergency air ambulance, it's easy to see how costs can rack up. For this reason, make sure your travel insurance policy has decent repatriation cover. While, a policy might appear cheap on the surface, there may be prohibitively high excesses and a number of get-out clauses for the insurer to avoid paying out.

Under 18's return journey

If you are the sole adult accompanied by under 18's, there's no need to panic about how the children will get home. With our repatriation insurance, we can cover the cost of returning your children home and will even provide for a responsible escort to accompany them if necessary.

If you'd like to know more about travel insurance for children, visit our children's travel insurance page.

Pre-existing medical conditions

Don't fret that your pre-existing medical condition will exempt you from our repatriation insurance. We specialise in medical policies that cover all kinds of conditions - our discreet screening process is quick and simple, making it easy for us to create a bespoke policy tailored to your specific needs.
For more information on travel insurance with a pre-existing medical condition, visit our travel insurance with medical conditions page.

Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.