Usually, no. Medical Emergency Expenses typically do not cover treatment or costs in your home country, except for certain UK trips. Whether pre-existing medical conditions are covered depends on your policy terms and the cover that applies to your situation.
When can Medical Emergency Expenses apply in the UK?
The Medical Emergency Expenses section may apply if you live in the Channel Islands or Isle of Man and visit another part of the United Kingdom, or if you live in another part of the United Kingdom and visit the Channel Islands or Isle of Man.
For any other trips within your home country, Medical Emergency Expenses are not included.
What about a cruise solely within the UK?
If you have a Silver, Gold, or Black policy, Medical Emergency Expenses also cover cruises that take place only within the United Kingdom.
However, cruise trips under these policies are only covered if you have paid the extra Cruise premium.
Treatment or expenses you receive in your home country are still not covered, so your situation, location, and any pre-existing medical conditions are important under your policy terms.
If you have a Budget policy and plan to take a cruise only within the UK, please talk to an adviser.
Eligibility, terms, and exclusions apply. Check your policy documents for full details, including any cancellation timing.
What if I need emergency treatment?
If your Medical Emergency Expenses cover applies and you are admitted to hospital, or if outpatient treatment is likely to cost more than £350, contact Zurich Assist as soon as you can.
This information is for general guidance and does not constitute medical advice.
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