Single Trip Cover or Annual Cover

The cost of medical care overseas can be very expensive which is why few people travel without comprehensive cover. HMCA have arranged a range of travel plans to suit your needs.


The Travel Plan arranged by HMCA is underwritten by Axiom Underwriting Agency Limited on behalf of ETI and provides the following benefits:-

  • up to £10,000,000 Overseas Medical Expenses Cover.
  • up to £5,000 Cancellation and Curtailment.
  • up to £5,000 Delayed Departure (including Hi-jack).
  • up to £25,000 Personal Accident (age 18 - 64).
  • up to £1,500 Baggage & Personal Effects.
  • up to £1,000 Money Insurance (Cash limit £200).
  • up to £2,000,000 Personal Liability (including legal expenses up to £25,000).
  • This is a summary and full details will be sent upon enquiry.
  • Over 80's Cover

    HMCA provides medical expenses cover up to £10 million up to age 79. However, nowadays, there is very limited choice and coverage available for travellers over 80. HMCA believe that everybody should enjoy their holidays with no worries regardless of their age.

    In order to provide this service, HMCA has arranged Travel Plans for Single Trip Cover, Annual Cover and Cruise Travel insured by Just Travel. There is no upper age limit, and pre-existing medical conditions will be considered. For further information, please visit: or call: 0800 781 4753.

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    Further policy information is available in the following documents:

    Axiom Travel Insurance underwritten by ETI – International Travel Protection the United Kingdom branch of Europaische Reiseversicherung A.G., (ERV) an Ergo Group Company incorporated and regulated under the laws of Germany, (ETI) Companies House Registration FC 25660 and Branch Registration BR 007939.