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Medical and Repatriation

Medical Cover is the most important part of your travel insurance. Our Premier policy covers up to £10m for hospitalisation, medical and repatriation expenses, up to £5m for our standard and up to £2m for our budget policies.

Easy to Re-new or Extend

Big Cat allows you to re-new or extend your travel insurance whether you are at home or abroad. It doesn't matter if you are already travelling you can buy or re-new your policy from anywhere in the world via online access to our system.

Free Home Visits

If you feel homesick at any time, so long as your policy duration is more than 4 months, you can pop home to see family and friends at any time, however many times you choose. Covers stops as soon as you arrive home and starts again as soon as you depart..

Cover for 120+ Activities

Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.

Read more...

Get Cover if Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK or EU. Just follow the Quote form to get a price and complete your purchase.

Working While Abroad

Non manual / clerical work such as office work or teaching English as a foreign language is covered for free, if you'll be volunteeringWWOOFing or partaking in any sort of manual labour, like working on a ranch or conservation work, our Activity Pack can cover you.


Cancellation & Baggage
Cover


24 hour Emergency
Helpline


Up to £10m Medical
Cover


Claim while you're
Travelling

Australia Travel Insurance

Since Australia and New Zealand are two of Big Cat’s favourite destinations, we offer a special discount on insurance to both or either countries. And since the flight time is considerable, we allow for a 48 hour stopover anywhere in the world for both outward and return travel, so you can break your journey for a relaxing short stay wherever your chosen airline allows this facility.

If you purchase cover to Australia for 2 months or more, that stopover period can be extended to include a maximum of 7 days/nights anywhere in the world.

Key benefits include:

  • Worldwide cover for trips up to 24 months.
  • Emergency Medical and Repatriation Expenses up to £10 million.
  • Personal Liability up to £2 million.
  • Baggage & Personal Effects up to £2,000.
  • Legal Expenses up to £15,000.
  • Personal Money up to £500.
  • Tickets up to £1,000.
  • Passport and Visa up to £300.
  • Unrestricted return trips home.
  • Cover if you wish to undertake light-manual or volunteer work.
  • Cover for adventure activities with our Activity and Extreme Activity Packs.
  • Facility to arrange or extend Insurance when already travelling.
  • Money-back 21-day cooling off period if you decide to cancel prior to departure.

Some FAQ's:

For 24hr medical emergencies, immediate contact must be made with the Medical Emergency Assistance Service in the event of death, injury or illness necessitating any of the following: (i) hospitalisation, (ii) repatriation, (iii) alteration to travel plans, (iv) curtailment of travel
TEL: +(44) (0) 20 3 318 8486
Within US A Toll Free: 1 800 848 2350

Please quote scheme reference CIAXA18CIDR if your policy was issued after 01 January 2018, scheme reference CIAXA17CIDR if your policy was issued after 01 Aug 2017.

Please note the Insured Person’s failure to contact the Medical Emergency Assistance Service prior to any hospitalisation, repatriation, helicopter/air ambulance medical evacuation, alteration of travel plans or curtailment of travel may result in their claim being reduced or declined. Private medical treatment is not covered unless authorised by the Medical Emergency Assistance Service.
Be prepared to give your:
(a) validation certificate number.
(b) confirmation that the policy was purchased from Big Cat Travel Insurance
(c) dates of travel (tickets/itinerary).
(d) details of problem including name and address of patient and nature of illness/accident.
(e) name and telephone number of hospital and attending Medical Practitioner.
(f) details of usual GP.
Please note, should you require medical treatment in Australia you MUST enrol with MEDICARE.

Full details are shown in your policy document.

Residents of the United Kingdom MUST enrol with MEDICARE should you require medical treatment in Australia. Registering can be done after the first occasion on which you receive treatment at www.humanservices.gov.au/customerjects/medicare-services. In Patient and out-patient treatment in a public hospital may then be subsidised. Should you be admitted to hospital then immediate contact must be made with the Medical Emergency Assistance Service and their authority obtained in respect of any treatment not available under MEDICARE before such treatment is provided.
Your failure to register with MEDICARE or to contact the Medical Emergency Assistance Service may result in a claim being reduced or declined.

If a close relative has fallen ill to an illness not previously diagnosed or has an unforeseen accident necessitating your return home, costs associated with getting you home are covered.

If a Close Relative has an existing medical condition, it must be declared for cover to the medical screening helpline. If not declared, costs associated with getting the Insured back home are not covered.

One of the many benefits of Big Cat Travel Insurance is that any of the following medical conditions defined in the policy as an Automatically Covered Pre-Existing Medical Condition does not have to be declared to the medical help line for cover to be provided.

If you want to extend coverage to include a known medical condition, you can call our medical screening helpline, in confidence, on: 01702 427 237

 Definition of a Pre-Existing Medical Condition:

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your Medical Practitioner or a consultant/specialist, or prescribed drugs/medication).

 b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or prescribed drugs/medication.

 You do not need to call the medical screening helpline in respect of the following Automatically Covered Pre-existing Medical Conditions, as they are automatically covered at no additional premium provided you do not also have a Pre-existing Medical Condition. If you have a Pre-existing Medical Condition in addition to any of the following Automatically Covered Pre-existing Medical Conditions all conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing. 

 Automatically Covered Pre-existing Medical Conditions (no declaration required) :

Acne,
ADHD,
Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years,
Allergic rhinitis,
Arthritis (the affected person must be able to walk independently at home without using mobility aids),
Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

Blindness or partial sightedness,

Carpal tunnel syndrome,
Cataracts,
Chicken pox - if completely resolved,
Common cold or flu,
Cuts and abrasions that are not self-inflicted and require no further treatment,
Cystitis - provided there is no on-going treatment,

Deafness,
Diabetes (which is controlled by diet or tablets only),
Diarrhoea and vomiting - if completely resolved,

Eczema,
Enlarged prostate - benign only,
Essential tremor,

Glaucoma,
Gout,

Haemorrhoids,
Hay fever,

Ligament or tendon injury - provided you are not currently being treated,

Macular degeneration,
Menopause,
Migraine - provided there are no on-going investigations,

Nasal polyps,

PMT,

RSI, Sinusitis - provided there is no on-going treatment,

Skin or wound infections that have completely resolved with no current treatment,

Tinnitus,

Under active Thyroid (Hypothyroidism),
Urticaria,

Varicose veins in the legs.

The medical screening helpline is optional for those persons wishing to establish if additional cover may be offered to include Pre-existing Medical Conditions. You will be asked for your personal and travel details. Please have your insurance policy number to hand if known.

You will be advised whether the Pre-Existing Medical Condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions.

If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening helpline and not the company you are arranging your travel insurance with.

Should you not contact the medical screening helpline or not wish to take advantage of the optional terms quoted by the medical screening helpline, you will not be covered for any claims arising directly or indirectly from a Pre-existing Medical Condition.

There is no cancellation or curtailment cover for a Pre-Existing Medical Condition of persons not necessarily travelling but upon whom travel depends, such as a Close Relative, unless disclosed to the medical screening helpline by that same Close Relative and additional cover agreed.

You should also refer to the General Exclusions of this Policy Document.

You do not need to call the medical screening helpline in respect of the following Automatically Covered Pre-existing Medical Conditions, as they are automatically covered at no additional premium provided you do not also have a Pre-existing Medical Condition. If you have a Pre-existing Medical Condition in addition to any of the following Automatically Covered Pre-existing Medical Conditions all conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.

 Automatically Covered Pre-existing Medical Conditions:

Acne,
ADHD,
Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years,
Allergic rhinitis,
Arthritis (the affected person must be able to walk independently at home without using mobility aids),
Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

Blindness or partial sightedness,

Carpal tunnel syndrome,
Cataracts,
Chicken pox – if completely resolved,
Common cold or flu,
Cuts and abrasions that are not self-inflicted and require no further treatment,
Cystitis – provided there is no on-going treatment,

Deafness,
Diabetes (which is controlled by diet or tablets only),
Diarrhoea and vomiting – if completely resolved,

Eczema,
Enlarged prostate – benign only,
Essential tremor,

Glaucoma,
Gout,

Haemorrhoids,
Hay fever,

Ligament or tendon injury – provided you are not currently being treated,

Macular degeneration,
Menopause,
Migraine – provided there are no on-going investigations,

Nasal polyps,

PMT,

RSI, Sinusitis – provided there is no on-going treatment,

Skin or wound infections that have completely resolved with no current treatment,

Tinnitus,

Under active Thyroid (Hypothyroidism),
Urticaria,

Varicose veins in the legs.

Asthma controlled by no more than 2 inhalers is automatically covered with all of our policies. There's no need to declare it.

(Diagnosis must have been made when the affected person was under the age of 50)

Emergency dental costs to relieve pain and suffering are covered with all of our policies, up to a maximum of £350.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)  is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2018 Big Cat Travel Insurance Services.  All rights reserved.