
What happens if something goes wrong on your relaxing holiday and you dont have adequate travel insurance?
Unfortunately, I am talking today about a familiar story. We have all heard of people travelling without adequate travel insurance and then the horror stories if they then fall ill abroad. It really makes you stop and think… This time a British woman from Liverpool had a heart attack while on an American cruise and is now stuck in Mexico with escalating hospital costs. The couple were not covered by their HSBC travel insurance as Valerie already had angina.
The 67-year-old grandmother may be able to travel by air ambulance to a UK hospital soon, if her health improves, but the cost has been estimated at £62,000. The hospital bill currently stands in excess of $126,000 and is rising daily by a minimum of $3,500. HSBC say they have advised Mrs King that she would not be covered under her travel insurance policy for her pre-existing illness, and confirmed this with her.
That story makes this next article all the more worrying – The Association of British Travel Agents (ABTA) has presented new research, polling over 2000 people, which shows that around one in five holidaymakers is taking a risk by going abroad without any travel insurance. Other worrying statistics were also revealed by the travel organisation, including the fact that 16 per cent of respondents believe the UK government would cover the cost of medical expenses incurred abroad.
Lynda St Cooke, part of the UK Foreign Office’s Know Before You Go campaign, which is aimed at educating travellers, also said she see many cases where holidaymakers are faced with bills of tens of thousands of pounds for medical treatment and repatriation.
So what if you do have adequate travel insurance? Well hopefully you would not need to use it, but at least you know you have peace of mind if you do need to make a claim. ABTA’s survey also found that in the past five years, 12 per cent of respondents had made a claim on their travel insurance policy, with three per cent claiming over £500.
We would agree with the Foreign Office – it is so important that you get comprehensive travel insurance that includes your medical conditions, because otherwise medical treatment could work out so expensive, and can turn a holiday, that you have planned and looked forward to for ages, into a nightmare. We know it is said many a time, but it is really important that you make sure that you read the small print to check that your medical conditions are included in your insurance, and if you are not sure don’t be afraid to grill your insurance provider – that is what they are there for! And make sure that you don’t just rely on an European Health Insurance Card, it is not enough and won’t cover certain things, like travelling home in an air ambulance etc…

