What is medical cover?
Let’s be honest, when you’re relaxing on holiday, the last thing on your mind is falling ill or getting injured. Sadly, accidents can happen and it’s important you have the right travel insurance. That’s why we include medical cover as standard with all our travel insurance policies. It can help pay medical bills if something goes wrong while you’re abroad.
With Sainsbury Bank Travel Insurance, you’ll also get:
- A discount of up to 20% if you’re a Nectar member *
- We'll double the Nectar points you get on your Sainsbury's shopping and fuel for 12 months when you buy annual multi-trip travel insurance by 31/05/2022 †
- Access to a 24-hour helpline for medical emergencies while you’re away
- Unlimited medical expenses with single trip and annual multi-trip policies when you choose Platinum cover
Travel insurance to suit your needs
Medical costs vary from country to country and can be surprisingly expensive. Having a policy with medical insurance as standard, whether you’re travelling to Europe or beyond can help manage that expense.
We offer three levels of cover – Silver, Gold and Platinum:
The cover limits shown in the tables below apply to single trip and annual multi trip policies. Excesses may apply; please see the policy booklet for full details.
|Medical emergency expenses
|Cancellation or cutting short your trip
|End supplier failure
Covid-19 cover is included as standard on all of our policies. Don’t forget to check the latest Foreign, Commonwealth and Development Office (FCDO) and local government travel advice before you go. You won’t be covered if you travel against it.
For full details of the Covid-19 cover provided on new and existing policies take a look at our policy booklet.
|Medical emergency and repatriation expenses
|Cancellation or cutting short your trip
How does holiday medical insurance work?
Our travel insurance policies cover a wide range of medical expenses, including emergency dental treatment and hospital visits**. This allows you to enjoy your holiday knowing everything is taken care of.
Make sure you buy travel insurance before you leave for your trip. Once you’ve got your policy, you’ll be covered for eligible illnesses and injuries that happen after the policy start date.
If a medical incident happens, and you’re eligible to claim, hold on to all original receipts, invoices, medical reports or other evidence to help your claim. Contact our Medical Assistance Helpline as soon as something goes wrong to authorise any expenses.
Do you have a pre-existing medical condition?
If you have any pre-existing medical conditions, it’s important to let us know. Our insurance can be tailored to cover a wide range of conditions, including epilepsy, diabetes, heart conditions, high blood pressure and asthma.
A pre-existing medical condition could be an injury, illness, disease or other medical condition that exists before your policy starts.
How to tell us
It’s easy to let us know about a pre-existing medical condition. Before you get a quote, you’ll be asked to complete a quick medical screening, either online or by phone. It’ll make sure you have the right cover in place.
If you’ve declared the condition prior to getting a quote and fall ill or get injured while away, we’ll help cover costs of emergency treatment for your condition or any related issues. If a pre-existing medical condition is not officially declared, claims may be rejected, or payment could be reduced.
For more information on what medical conditions you need to declare, have a look at our full list of pre-existing medical conditions or download our policy booklet.
Letting us know about medical treatment abroad
If you have an emergency or need medical treatment abroad, call our Medical Assistance Helpline as soon as you can:
+44 (0) 1403 288 125
The Medical Assistance team will:
- Confirm that you’re in a safe place
- Find the best local treatment available to you
- Consider your health and best interests
- Make sure the necessary medical fees are guaranteed where cover is provided by your policy
We can’t cover any costs over £500 if you haven’t agreed treatment with the Medical Assistance Helpline.