Section 1 - Medical and Other Expenses

If you go into hospital, you must tell Swiftcover Assistance Team immediately (see Important Claims Information).

What you are covered for:
We will pay up to the overall limit for the following for necessary and reasonable costs as a result of you being injured or ill during your trip. In addition, we will return you to the UK or Channel Islands if Swiftcover Assistance Team think this is medically necessary, and they arrange this for you.

1. Emergency medical, surgical and hospital treatment. (Emergency dental treatment is covered up to £400 as long as it is for the immediate relief of pain only).
2. Up to the Overall Limit for either the cost of returning your body or ashes to the UK or Channel Islands, or for the cost of a funeral in the country where you die if this is different from the country where you normally live.
3. Extra accommodation and travel expenses to allow you to return to the UK or Channel Islands if you cannot return as you originally booked provided this has been approved by us.
   1. Extra accommodation for someone to stay with you and travel home with you, if this is necessary due to medical advice and authorised by Swiftcover Assistance Team.
   2. Or expenses for one relative or friend to travel from the UK or Channel Islands to stay with you and travel home with you, if this is necessary due to medical advice and authorised by Swiftcover Assistance Team.
4. The extra cost for you to return home following the death, serious injury or serious illness of a relative or business associate.

What you are not covered for:

1. The first £75 of each claim, for each person.
2. Any treatment or surgery which Swiftcover Assistance Team appointed medical representative thinks is not immediately necessary and can wait until you return home.
3. Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which you are claiming for.
4. The extra cost of single-or private-room accommodation unless it is medically necessary.
5. Any treatment or medication of any kind that you receive after you return to the UK or Channel Islands.
6. Any claim in relation to pregnancy if you are travelling and have reached your 20th week of pregnancy or medical complications arising from pregnancy or child birth where prior medical complications have existed.
7. Any claim arising for costs you incur, if you are travelling to a European country participating in a reciprocal health agreement with the UK and you do not carry a European Health Insurance Card (EHIC).
8. Any claim arising for costs you incur, if you are travelling to Australia or New Zealand and you do not register for treatment under the national Medicare scheme or the reciprocal health agreement applicable in those countries.
9. Any extra costs after the time when, in our medical advisor's opinion, you are fit to be returned to the UK or Channel Islands.
10. Losses if, in the event expenses are likely to exceed £500 per person, and the consent of Swiftcover Assistance Team is not obtained before additional expenses are incurred.
11. Any medication or drugs you knew you would need to use or continue to use at the time of departure.
12. Costs or expenses to return you to the UK if you did not have a return ticket.
13. We may instruct you to return if our medical advisors and the doctors treating you decide that you can safely return home. If you refuse to be repatriated all cover under the policy will cease.