Data from the Association of British Insurers (ABI) shows that more than 3,000 tourists a week are making holiday sickness claims for emergency medical care while travelling abroad.
But one in five travellers still don’t bother to take out any insurance whatsoever, according to the Association of British Travel Agents. And if something goes wrong, medical bills could run into tens of thousands of pounds.
The importance of taking out travel insurance cannot be underestimated, yet so many people don’t give it a second thought. Pricing for travel insurance is very competitive and there are a wide variety of policy types to choose from. Policies can start at as little as £15.00
Without travel insurance, holidaymakers could face substantial bills for a hospital stay, medication and even repatriation, where required. They may be able to claim all of this back, but when you are there and the worst happens, the first thing required in some foreign countries is your credit card or your insurance card, before treatment will be given.
There are a large number of other items that travel insurance will assist with, such as flight cancellations etc. We would also recommend taking out travel insurance with legal expenses insurance attached to the policy, as this will assist with any legal costs that may be required for any incidents that may occur whilst abroad.
The ABI says that the average annual travel insurance policy costs £33. So, could suffering a holiday sickness really cost you more than a car? Medical bills in the past have topped more than £500,000 after someone sustained multiple leg fractures and an artery tear in America, requiring an air ambulance back to the UK. Insurers also picked up the £300,000 bill after a tourist fell from a waterfall in Thailand and paid out £40,000 when an Indonesian traveller was bitten by a mosquito and contracted Dengue fever.
If we take the risk and fail to take out travel insurance, should we then encounter unexpected sickness or an accident abroad, the costs are likely to exceed the price of a policy by quite a substantial amount.
In July, 2015, research found the cost of holiday injuries came to £1 billion over the last three years. This figure was spent on approximately 4.4 million holidaymakers and travellers who were injured as the result of an accident abroad.
Holiday Sickness is quite a relatively modern claim but more people are becoming aware of their rights to allow them to claim, but the process is slow, and does not give you immediate medical assistance in the event of sickness or injury.
If you’re heading to Europe you should also consider a European Health Insurance Card (EHIC card) as part of your essentials when packing.
A recent study by Post Office Travel Insurance revealed that many holidaymakers don’t quite understand how an EHIC works, with half of British travellers believing the EHIC card entitles them to free medical treatment overseas, and 5% wrongly thinking they’re covered for medical treatment anywhere in the world. An EHIC card is not a replacement for travel insurance. It grants medical care relative to the same received by locals depending where you are in the EU.
Holiday Sickness Claims can assist with sickness and injury claims across virtually any part of the world. For more information visit our website at www.holidaysicknessclaims.co.uk or call us free on 0800-8-654321
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