The cover, if provided, differs from company to company and generally is only for medical or illness related expenses. Costs in the unfortunate event of repatriation is not covered. These costs in foreign currencies can quickly become astronomical. For international journeys, most medical aids exclude pre-existing medical conditions for the preceding 12 months prior to a journey. Most medical aids use what is called a “worldwide rate”, which means that the full medical cost is not provided but rather a pre-determined percentage amount of the benefit. The traveller could end up with medical bills not covered by the medical aid and would have to settle these out of their own pocket. Medical aids only provide medical cover, they do not pay any related expenses towards the travelling companion. For instance, extra hotel accommodation or flights. Only the medical and related cost of the PATIENT is covered – not the rest of the family or companion. Your medical aid would not cover any flight delays, missing luggage or even strikes and riots.