Working abroad as a medical student is exciting, but it’s not without risks. Medical elective cover goes beyond regular travel insurance policies to provide:
- Cover up to £1,500 if you need to return to the UK for exam resits
- Cover up to £5,000 if you become unwell due to biological fluid exposure
- Cover up to £10,000 for a needle-stick/sharp injury
- Emergency medical expenses up to £10 million
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Insurers that understand your profession
Medical school is hard enough without worrying about things going wrong during your elective. At Wesleyan Financial Services we use our specialist knowledge of the medical profession to offer tailored cover for trainee medical professionals working abroad on placement.
We’ve partnered with specialist travel insurance providers, Millstream Underwriting Limited, to bring you comprehensive cover for your elective. So, you can head off on your travels safe in the knowledge that you’re covered.
What's covered?
Medical elective insurance provides the usual cover you’d expect from a travel insurance policy – as well as all these extras…
- Final exam re-sits
- Needle-stick/sharp injury
- Exposure to biological fluids
- Personal pandemic cover
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.
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.
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).
Medical elective travel insurance provides cover if you need to make a claim due to the impact of a pandemic. This includes becoming ill whilst you’re abroad or being unable to go due to becoming ill before you are due to fly out.
What's not covered?
There are some things that your travel policy won’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.
The basics of your cover
In addition to the extras covered above, you’ll also be insured for:
| 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 expenses | £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 3,000-6,000 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 |
Important information and key documents
Things to know before you apply
Wesleyan Financial Services Limited is a broker and this insurance product is provided by Millstream Underwriting Limited.
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.
Key documents
Before you apply online for medical elective travel insurance, you can find out more in our key information documents.
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