Travel insurance with medical cover
Underwritten by AWP P&C S.A. for core cover.
Defaqto 5 star expert rated applies to Gold and Platinum cover only.
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What is medical cover?
Let’s be honest, when you’re relaxing on holiday, the last thing on your mind is falling ill or getting injured. Sadly, accidents can happen and it’s important you have the right travel insurance. That’s why we include medical cover as standard with all our travel insurance policies. It can help pay medical bills if something goes wrong while you’re abroad.
With Sainsbury Bank Travel Insurance, you’ll also get:
- A discount of up to 20% if you’re a Nectar member *
- Access to a 24-hour helpline for medical emergencies while you’re away
- Up to £20million emergency medical expenses with single trip and annual multi-trip policies when you choose Platinum cover
Travel insurance to suit your needs
Medical costs vary from country to country and can be surprisingly expensive. Having a policy with medical insurance as standard, whether you’re travelling to Europe or beyond can help manage that expense.
We offer three levels of cover – Silver, Gold and Platinum:
The cover limits shown in the tables below apply to single trip and annual multi trip policies. Excesses may apply; please see the policy booklet for full details.
| Key Benefits | Silver Cover (up to) | Gold Cover (up to) | Platinum Cover (up to) |
|---|---|---|---|
| Emergency medical abroad | £10 million | £15 million | £20 million |
| Trip cancellation or trip interruption | £1,000 | £2,000 | £3,000 |
| Baggage | £3,000 | £5,000 | £7,500 |
| Travel accident | £10,000 | £25,000 | £50,000 |
| Gadget | £500 | £750 | £750 |
| Personal money | £400 | £500 | £600 |
How does holiday medical insurance work?
Our travel insurance policies cover a wide range of emergency medical expenses, including emergency dental treatment and hospital visits**. This allows you to enjoy your holiday knowing everything is taken care of.
Make sure you buy travel insurance before you leave for your trip. Once you’ve got your policy, you’ll be covered for eligible illnesses and injuries that happen after the policy start date.
If a medical incident happens, and you’re eligible to claim, hold on to all original receipts, invoices, medical reports or other evidence to help your claim. Contact our Medical Assistance Helpline as soon as something goes wrong to authorise any expenses.
Do you have a pre-existing medical condition?
If you have any pre-existing medical conditions, it’s important to let us know. Our insurance can be tailored to cover a wide range of conditions, including epilepsy, diabetes, heart conditions, high blood pressure and asthma.
A pre-existing medical condition could be an injury, illness, disease or other medical condition that exists before your policy starts.
How to tell us
It’s easy to let us know about a pre-existing medical condition. Before you get a quote, you’ll be asked to complete a quick medical screening, either online or by phone. It’ll make sure you have the right cover in place.
If you’ve declared the condition prior to getting a quote and fall ill or get injured while away, we’ll help cover costs of emergency treatment for your condition or any related issues. If a pre-existing medical condition is not officially declared, claims may be rejected, or payment could be reduced.
For more information on what medical conditions you need to declare, have a look at our full list of pre-existing medical conditions or download our policy booklet.
Letting us know about medical treatment abroad
If you have an emergency or need medical treatment abroad, call our Medical Assistance Helpline as soon as you can:
For policies purchased on or before 20 April 2026
For policies purchased on or after 21 April 2026
The Medical Assistance team will:
- Confirm that you’re in a safe place
- Find the best local treatment available to you
- Consider your health and best interests
- Make sure the necessary medical fees are guaranteed where cover is provided by your policy
Which policy could I get?
Not sure which cover’s right for you? If you’re planning a single holiday or have a few trips booked this year, we have a policy to suit you.
Single Trip
If you’re going on one big family holiday, then our single trip travel insurance could be your best option
Annual Multi-trip
If you have multiple trips planned over the course of a year, then you might be better with an annual family travel policy
Extended trip
Are you and your family taking a longer trip? Then you can get cover for an extended period
Helpful travel guides
Find lots of useful information to help when you’re travelling abroad.
Travel disruption
What to do if your flight's delayed, cancelled or overbooked
Losing documents abroad
Take steps to prevent the stress of losing important documents while away
Solo travel guide
Heading on holiday alone? Read our guide to travelling alone
Any questions?
Get in touch with our friendly team to speak about our travel insurance policies.
Call 0345 305 2622.
Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.
Terms and conditions
* Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.
** Dependent on your medical screening. Claims for incidents affected by a plan holder’s use of drink or recreational drugs may be invalidated.
^ Telephone calls may be recorded for security purposes and monitored under our quality control procedures.
Sainsbury's Bank plc, Registered Office, 33 Charterhouse Street, London EC1M 6HA (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.
Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Ltd, registered in England and Wales No. 08318836 at 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB. Hood Travel Ltd is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 597211.
The core elements of Sainsbury’s Bank Travel Insurance are underwritten by AWP P&C S.A., while the gadget cover is underwritten by AmTrust Specialty Limited. AWP P&C S.A. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register 534384). AmTrust Specialty Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register 202189).