Travel insurance and repatriation

What happens if you suffer a serious illness or injury while you’re abroad and you need to come home? If you have travel insurance, the costs may be covered by your policy. Let’s take a look.

What happens if you suffer a serious illness or injury while you’re abroad and you need to come home? If you have travel insurance, the costs may be covered by your policy. Let’s take a look.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
2
minute read
Do you know someone who could benefit from this article?
Posted 01 FEBRUARY 2021

What is repatriation cover?

Repatriation cover can offer protection against the high cost of bringing you (or a family member) home after illness, injury or death suffered while abroad. It may be necessary to transport you home because you can’t get the appropriate treatment where you are, or because it will work out cheaper (for the insurance provider) to bring you home and complete your treatment in the UK.

Travel insurance policies typically provide up to £10 million of cover for repatriation. This reflects the high costs of bringing you home on a private plane, for example, and for the extra costs of any specialist equipment and medical treatment.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

Does travel insurance cover repatriation?

Repatriation insurance is included as standard in most travel insurance policies. There will typically be a section, sometimes called the ‘Key Features’, where you can see the list of circumstances where a travel insurance provider will offer repatriation.

The high levels of cover represent the realistic costs of repatriation, especially from remote locations and places where costs are relatively high. If, for any reason, you want more cover than is provided as standard, you can shop around for a policy with higher limits.

What else should I think about when it comes to repatriation?

Once you’ve found the right policy, make sure you keep your provider’s details with you in case you need to get in touch with them during your trip.

The UK government has advice on coping with a death abroad if the worst happens to a loved one while you’re away.

Looking for a quote?

Get a new travel insurance quote in minutes and you could start saving

Get a quote
Compare travel insurance Get a quote