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