Robust Protection Everywhere.

At Opcover, we understand the unique challenges of seeking medical treatment abroad. That's why our insurance policies are designed to offer you robust protection and peace of mind throughout your journey.

What's covered

Medical complications

Emergency travel medical

Trip cancellation and curtailment

Baggage and electronics protection

Key exclusions

Covers complications following a pre-approved elective treatment abroad, including:

  • Additional medical or surgical treatment needed due to covered complications
  • Emergency medical transport to another facility or home country
  • Return flight costs if you must go back for further treatment
  • Additional hotel and meal costs if your recovery requires an extended stay
  • Covers up to 180 days after the initial procedure
  • Does not cover pre-existing conditions or results from medical malpractice

Applies during the trip for accident and illness and includes:

  • Emergency medical treatment due to illness or injury (e.g. Covid-19)
  • Emergency dental treatment abroad
  • Hospital benefit if confined for at least 24 hours
  • Medical repatriation if you cannot continue your trip
  • Additional accommodation and travel costs for a companion or to return children home

Protects against financial loss before or during travel if you:

  • Become seriously ill, test positive for Covid-19 or suffer injury/death
  • Face jury service, emergency service recall or major damage to your home
  • Experience significant delays or cancellations due to strikes or weather

Covers your personal belongings during your trip:

  • Reimbursement for personal baggage and electronics if lost, damaged or stolen during the trip
  • Limits apply per item and in total, as shown in the policy certificate
  • Must report theft to police and provide supporting documentation

Some important exclusions to be aware of:

  • Pre-existing medical conditions unless explicitly approved
  • Travelling against medical advice or without necessary vaccinations
  • Malpractice or negligence from healthcare providers
  • Unfavourable or undesired aesthetic outcomes
  • Use of alcohol, drugs or engaging in risky activities not covered
  • Other exclusions apply, please read the Terms and Conditions outlined in the policy wording.

Main exclusions

Non-Medical Procedures

Procedures that are not medically necessary or that have not been pre-approved as part of your plan.

Extreme Sports and Activities

Injuries resulting from engaging in high-risk activities such as extreme sports.

Mental Health Issues

Coverage excludes neuroses, psychoneuroses, psychoses, and related mental or emotional disorders.

War and Terrorism

Any claims resulting from war, acts of terrorism, or related incidents.

Pre-existing Conditions

Conditions that existed before the start of your coverage are not included.

Non-approved treatments

Treatments that haven't been approved by this policy.

See full Terms and Conditions