Repatriation means bringing you back to the UK, usually for medical reasons. It can be extremely expensive, and it’s one of the main reasons to have travel insurance. Here’s how it works.
What is medical repatriation?
If you fall seriously ill or are injured abroad, your insurer’s medical team may decide you should be moved to another hospital, or flown home for treatment. This can involve a stretcher on a commercial flight, an escorted journey or an air ambulance. Costs vary widely, but a long-distance air ambulance can be very expensive.
Who decides?
The decision is normally made by the insurer’s emergency assistance team and its doctors, together with the treating doctors. It’s based on medical necessity, not preference. Insurers won’t usually pay for repatriation just because you’d like to be treated at home.
What repatriation cover may include
- Transport home by the most appropriate method, with medical escort if needed
- Moving you to a more suitable hospital abroad
- Travel for a relative to stay with you, in some policies
- Return of a relative or travelling companion
- Repatriation of remains, in the event of death
Limits and conditions vary, so check the table of benefits.
What isn’t covered
- Conditions you didn’t declare. See pre-existing conditions.
- Moving home when it isn’t medically necessary
- Costs you arrange yourself without contacting the insurer
Why a GHIC isn’t enough
The GHIC covers some state healthcare in certain countries, but it doesn’t pay for repatriation. See GHIC vs travel insurance.
What to do in an emergency
- Contact the insurer’s emergency line as soon as possible.
- Don’t arrange your own air ambulance without approval.
- Keep records of conversations and reference numbers.
See how to make a claim. For long-haul or expensive destinations, check that both the medical limit and repatriation cover are high enough. See travel insurance for the USA.
Frequently asked questions
Does travel insurance pay for an air ambulance?
If it’s medically necessary and arranged through the insurer’s emergency team, many policies cover it, subject to limits.
Can I choose to be repatriated?
Not usually. Insurers repatriate for medical necessity, based on medical advice.
Does the GHIC pay for repatriation?
No. Repatriation isn’t covered by the GHIC.
What if I arrange transport myself?
Contact your insurer first. Costs you arrange without approval may not be reimbursed.
Related travel insurance guides
- Travel Insurance Cancellation Cover: What Reasons Are Accepted?
- What Is Curtailment Cover on Travel Insurance?
- Does Travel Insurance Cover Cancelled Flights Due to FCDO Advice?
- What Does Travel Insurance Cover? A Plain-English UK Guide
- How Much Does Travel Insurance Cost in the UK in 2026?
This article is general information, not financial or insurance advice. Always read the policy documents before you buy.
