Medical elective travel insurance

Comprehensive cover for when you travel and work overseas

Protect yourself against the unexpected

Medical school is hard enough without worrying about things going wrong during your elective. Medical elective travel insurance through Wesleyan Financial Services goes above and beyond regular travel insurance, giving you peace of mind to focus on your clinical work.

  • Travel insurance for medical electives overseas
  • Cover up to £1,500 if you need to return to the UK for exam resits
  • Cover up to £10,000 for a needle-stick/sharp injury
  • Insured up to £5,000 if your hotel or travel company goes bust
  • Emergency medical expenses up to £10 million
  • Personal Pandemic Cover

How it works

It can be one of the most exciting aspects of your medical training - but travelling abroad to work in an overseas hospital isn’t without its risks. It’s vital to have the right cover to ensure you’re protected on your medical elective, and ordinary travel insurance normally won’t cut it.

At Wesleyan Financial Services we’ve partnered with Millstream to bring you comprehensive cover for your elective. We use our specialist knowledge of the medical profession to offer tailored cover for trainee medical professionals who are working abroad on placement. That means you can head off on your travels safe in the knowledge that we’ve got you covered.

What's covered

All of the below are available for a single trip:

Final exam re-sits

You’re covered for the loss of travel and accommodation expenses if you need to cancel or cut your elective trip short to return to the UK to re-sit your exams. This applies during your elective or up to 28 days after your elective end date. Cancellation or curtailment cover is up to £1,500.

Needle-stick/sharp injury

If you’re injured during your elective and are infected with Human Immune Deficiency Virus (HIV) as a result, we’ll pay you up to £10,000.

Exposure to biological fluids

If you become unwell due to exposure to biological fluids, we’ll cover any additional travel accommodation costs to receive treatment (up to £5,000). You’re also covered for courier costs to transport post-exposure prophylactic agents, devices, or measures to you (up to £1,000).

Cover type
Cover level
Trip duration
Up to 487 days (for those aged up to 65)
Cancellation and curtailment
Up to £3,000 (for medical exam re-sits: up to £1,500)
Emergency medical expenses
Up to £10 million
Emergency dental treatment
£350
Hospital benefit
£25 every 24 hours (£300 max)
Delayed baggage (after 12 hours)
Up to £250
Loss of passport, driving licence & visa
Up to £250
Travel delay
£20 every 12 hours (Up to £200 max)
Trip abandonment
Up to cancellation limit
Missed departure / missed connection
£1,000
Uninhabitable accommodation
£1,000
Legal expenses
£15,000
Business travel / non-manual work abroad
Included
Business travel / manual work abroad
Optional (additional cost)
Sports & activities - Level 1 (Covers hiking up to 1,500 metres, gym training, etc.)
Included
Sports & activities - Levels 2-4 (Covers hiking from 3000-6000 metres, skiing, etc.)
Optional (additional cost)
Collision damage waiver access (Covers car collisions up to £1,500 and key replacement up to £500)
Optional (additional cost)
Financial failure protection (Cover against your travel company or hotel going out of business)
£5,000
Portable medical / dental equipment
£1,500
Single item limit (medical equipment)
£300

What’s not covered?

There are some things that your travel policy can’t cover, including:

  • Travel to a destination which the Foreign & Commonwealth Office has advised against all or all but essential travel
  • If you travel while pregnant 12 weeks before or 12 weeks after your estimated date of delivery
  • Any trip that you take to obtain medical treatment (whatever the nature of this treatment) or against the advice of a medically qualified doctor or after being given a terminal prognosis.

Important information and key documents

Before you apply online for medical elective travel insurance, you can find out more in our key information documents:

Wesleyan Financial Services Limited is a broker and its insurance products are provider by a number of selected insurers.

Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal term.