Safe Travels: Don't Risk of Travelling without Insurance!
The risks of travelling without a good insurance policy can be considerable and far-reaching. With this in mind, why do so many people choose to do without?
According to ABTA, as many as two in five people (38%) - 9.9 million Brits - who travelled abroad in the past 12 months have holidayed without the right travel insurance, took part in activities which may not have been covered, or didn’t have any insurance at all. ABTA
Almost half (48%) of UK parents fail to take out travel insurance when going on holiday or booking holiday accommodation, new research revealed. This comes despite more than a third (37%) of parents experiencing a child falling ill or suffering an injury while on a break abroad.
Staggeringly, Direct Travel reported that 38% of 18-34-year-olds (millennials) said they would be prepared to risk not having travel insurance, many of who thought the EHIC (European Health Insurance Card) did the same job, which it does not! Direct Travel
Various articles of research including our own, show that common excuses for failing to purchase travel insurance are - it’s too expensive, I forgot, I thought it was included in the cost of the holiday, it’s part of Europe so I don’t need it! Unfortunately, none of these excuses would act as a get out of hospital free card in a real-life situation.
Joyce Kettle, 74, a great-grandmother from Blyth, Northumberland was airlifted to a hospital near Cancun, having suffered from breathing difficulties on a cruise off the Mexican coast. She underwent an emergency heart operation resulting in a hospital bill of over £50,000. Joyce thought she had holiday insurance through her bank but the policy only covered her for trips in Europe. As a result, her family launched a "Go Fund Me" appeal to help pay for Joyce’s medical costs and bring her safely home.
It’s important to know that the Foreign Commonwealth Office cannot pay medical bills if you are hospitalised abroad nor can they fly you home.
If you have a travel insurance policy through your bank account or credit card, it’s worthwhile checking – What parts of the world it covers and what type of cover is included, as you may need to get a top-up for special circumstances.
If you have any special medical conditions that must be declared, don’t hold back, because if you fail to mention this when you take out insurance and you later need to make a claim, insurance companies are well within their rights to reject any claim.
The cost of travel insurance is very cheap compared with the benefits of cover you may need, for example – delayed or cancelled flight; missed departure; curtailment; delayed or lost luggage; personal money and accident; doctors/hospital treatment; event cancellation, plus many more descriptions depending on the policy you choose.
For more information and to choose a policy for you and your family head over to Globe International where they have policies and prices to suit all pockets.
Take care of you and your family on your next break and don’t risk travelling without insurance!!
(Photo by STIL on Unsplash)