Product features

Find out more about the different product features available with our policies.

Cashless medical expenses

We offer cashless medical expenses in many locations throughout the world. With many travel insurance policies you need to pay for minor medical treatment yourself and then claim back the money through the claims process. Cashless medical expenses will cover the cost of any medical expenses, which go above and beyond your policy excess, whilst you’re on holiday.

This service is available in many tourist destinations within these countries. To access this service, you must phone our 24-hour medical assistance contact centre before seeking treatment and we’ll advise if the service is available where you are.

In areas where this service is available, we, or our local partner will get in touch and either direct you to a nearby walk-in clinic or we may make arrangements for a doctor to visit you. If the service is not available where you are, we will advise what your other options are, such as paying for the treatment yourself and how to claim this back through our online claims process.

We work hard with our medical partners to ensure we have the widest possible coverage of this service but there are some locations within the countries listed where this service will be unavailable.

These include destinations that are not typically visited by tourists or places that only have limited health care services. Some locations may also have operational hours restrictions that apply. Also please note that if you are already in a facility we can't guarantee that it is in our network.

The treating facility may ask to see your proof of insurance, so it is important to carry this with you. You may also be asked to complete an online or paper form to confirm the nature of the treatment received.

Online doctor

All our policies provide access to a UK based GP via video call or telephone, up to 7 days before you depart and during your trip. This service can provide advice and guidance wherever you are in the world, which could save you a trip to the local doctor.

Annual policy holders also receive cover 365 days a year.

Home help or nanny

If you suffer a serious injury that is still affecting you when you arrive home, we can help. This could be through things like home visits or nanny cover.

Cruise cover

Cruise cover protects you for cruise specific incidents such as missed port departure, cabin confinement and itinerary change.

Unlimited medical expenses

Co-op have included unlimited medical expenses cover across all of its products. This covers you for injury, illness or serious accidents.

Travel insurance is promoted by Co‑op Insurance Services and arranged by AllClear Limited.

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.

Applicants for insurance are subject to normal underwriting criteria.

Travel insurance is offered through Co-op Insurance Services and arranged by AllClear Limited, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. AllClear Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. We are remunerated by commission for the arrangement, service and renewal of your insurance policy. We may receive a profit share payment from some of our insurers if they achieve performance targets across their product portfolio.

Travel insurance is administered by Insure & Go Insurance Services Ltd. Co-op Insurance Services (firm reference number 779364) and Insure & Go Insurance Services Ltd (firm reference number 309572) are authorised and regulated by the Financial Conduct Authority.