Medical Travel Insurance

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Medical Travel Insurance

RAC Medical Travel Insurance covers you for pre-existing medical conditions†. Our policies offer COVID-19 protection as standard and there’s also an Enhanced COVID-19 Cover Add-on. You won’t have to worry about the costs involved with loss of documents, baggage, or passports either. So, you can relax on your holiday, safe in the knowledge that we’re here.

Our helpline for medical emergencies is open 24/7, so you’ll always be able to get help when you need it while you’re away.

Comprehensive travel insurance from a name you can trust

Unlimited emergency medical cover on our Black cover level

Up to £2,000 in Hospital Benefit

Cancellation cover

What is medical travel insurance?

Medical travel insurance is designed for anyone with pre-existing medical conditions, to provide that extra peace of mind. A pre-existing medical condition is an illness or injury you had before or when you take out your policy and before your trip starts. It is important that you declare these when taking out your cover and then any changes before your trip starts, otherwise it may invalidate any claims. We will then assess the condition and confirm whether we can issue a policy to cover claims for that condition or any associated condition and the cost. Because medical costs can be expensive, premiums tend to be higher. This will depend on the type of pre-existing medical condition you have. For an alternative quote for your medical conditions or if we are unable to offer you a quote, you can access a directory of specialist medical travel insurers who may be able to provide you with cover or by calling 0800 138 7777.

Why do I need medical travel insurance?

Medical travel insurance is particularly important if you have a pre-existing medical condition. Medical treatment can be extremely expensive, depending on where you are in the world, so having the right protection in place could save you thousands of pounds.

UK GHIC or UK EHIC aren't always enough

The UK government still recommends that you have travel insurance in place as well.

UK residents travelling in EU countries and Switzerland may be able to access medically necessary state-provided healthcare for free or at a reduced cost. You'll need the new UK Global Health Insurance card (UK GHIC) or a European Health Insurance Card (UK EHIC).

Remember, neither card covers any additional cost to return you to the UK or for a relative to stay or fly out to be with you. In a medical emergency you may have no control over the hospital you are taken to or the closest hospital may be private. But medical travel insurance may be able to cover some of the cost for you.

You can find out more information about which card to apply for on the NHS website.

Our medical travel insurance cover levels

We’ve got three levels of medical travel insurance cover available with varying benefits, so you can find the right cover to suit your needs, letting you relax and enjoy your holidays throughout the year.

Orange Cover Silver Cover Black Cover
COVID-19 protection COVID-19 protection COVID-19 protection
£3,000 cancellation cover £5,000 cancellation cover £7,500 cancellation cover
£10m emergency medical & repatriation expenses £15m emergency medical & repatriation expenses Unlimited emergency medical & repatriation expenses
£1,250 for personal possessions £2,000 for personal possessions £3,000 for personal possessions
£500 hospital benefit
(max £20 per day)
£1,500 hospital benefit
(max £50 per day)
£2,000 hospital benefit
(max £50 per day)
£500 gadget cover £750 gadget cover £1,000 gadget cover
£400 personal money £500 personal money £750 personal money
£25,000 legal costs & expenses £25,000 legal costs & expenses £25,000 legal costs & expenses

If you have a query about your policy, would like to renew or make a claim, find all the contact details here


An extensive glossary of all the terms relevant to your RAC Travel Insurance policy

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**You must have a standalone RAC Breakdown policy or RAC Car Insurance policy and provide your membership or policy number at the time of purchase to qualify for the 10% discount. RAC Travel Insurance must be purchased directly from us and this discount is not available on price comparison websites. The discount will not apply to premiums for pre-existing medical conditions, extended gadget cover or the Enhanced Covid-19 Cover Add On. The offer can be withdrawn or amended at any time.

^Our Enhanced Covid-19 Cover Add On covers you for travel within Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19. This cover is only available to customers who have taken vaccinations when offered to them.

^^This cover is only available to customers travelling to a country within Europe who have taken vaccinations when offered to them. The RAC 10%-member discount** is not valid on the Enhanced COVID-19 Cover Add On. For full details and exclusions of the COVID-19 cover provided on new policies look at our policy booklet.

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

Subject to medical eligibility.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 313989. RAC Travel Insurance is administered by Hood Travel Limited 2nd Floor, Dencora Court, Tylers Avenue, Southend on Sea, Essex, SS1 2BB. Registered in England No. 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.597211. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer. RAC Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting:

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