The dangers of not having travel insurance

Posted on January 16, 2016 by Guest Writer
Palm beach in Sydney

A new video from the Foreign and Commonwealth Office has highlighted the importance of buying travel insurance to protect yourself financially if your holiday goes wrong. The short cartoon explains how an accident abroad can be “extremely expensive” if travellers fail to buy adequate holiday insurance.

It follows one of the most popular weekends in the calendar for thousands of British nationals looking to buy a bargain getaway. So with this in mind, the government has also published an article explaining what your travel insurance policy should cover and what factors you need to take into consideration when buying cover.

The article explains how a stomach bug in a Californian hospital and return flights to the UK can result in a £100,000 medical bill, while a broken hip and treatment in a Spanish hospital with return flights could add up to around £15,000.

In the article the government experts describe how the main purpose of travel insurance is to cover you for the potentially high cost of medical treatment abroad. It should cover:

  • Emergency medical treatment costs, including hospital charges and ambulance fees
  • Returning you home following medical treatment abroad if you can’t use your original ticket
  • Reasonable additional transport and/or accommodation expenses for a close relative or friend to stay with you or travel from the UK to escort you if required
  • Temporary emergency dental treatment for the relief of immediate pain
  • 24 hour assistance helplines to offer support and advice about appropriate treatment

To read the Foreign and Commonwealth Office article in full, click here.


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