Posts Tagged ‘European Health Insurance Card’

A tale of travel traumas and travel insurance

Wednesday, November 3rd, 2010
Comprehensive travel insurance

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…

Steve Redgrave and travel mishaps

Wednesday, July 21st, 2010

When we think of Steve Redgrave, Britain’s 5 times Olympic Gold Medalist, we automatically think of rowing. But lately he has been involved in a different physical activity – bike riding.

According to this article, he was part of The Redgrave Crew, an eight-man relay cycle team of ex-rowers, competing in the infamously strenuous RAAM Race, a 3,040-mile dash from California to Maryland. Known as ‘The World’s Toughest Cycle Race’ , it is  a one-stage, start-to-finish, clock-never-stops pelt across America, taking in mountain climbs, sheer descents and rush-hour traffic. Unfortunately, near the end of the race, Steve fell of his bike and crashed. He suffered from with a badly broken cheekbone, three cracked ribs, a double-break in his wrist and a dislocated finger.

His wife, Lady Redgrave, is an osteopathic doctor and she studied the X-rays and CAT scans sent from the USA saying he would need an immediate operation on his cheekbone when he returned home. This involved an incision from the bottom of the right ear and round the hairline, peeling back the face and inserting a titanium plate held in place by screws.

Very glad to hear that Steve is now recovering well, but these kind of incidents do get you thinking about the things that can happen when you are travelling away from home. Ok so not many of us will be competing in a 3000 mile bike race but we do often see our holidays as a chance to try something new and different – whether it is sailing, scuba diving, horse riding, quad biking or just sampling a new and very exotic restaurant. And there is always a risk of the unexpected happening. It might be something like food poisoning from the new restaurant you tried that meant you missed a few days of your break, or your passport being stolen  or something worse. For example, in this article a man had to pay 4500 euros in costs for mountain rescue and transport after a skiing accident. In another article, a 19 year old man from Surrey who had a moped accident in Asia was forced to pay £20,000 for repatriation to the UK. Although he had insurance, he did not read the small print which said he needed a license to ride a motorbike. 

Winter cover travel insurance

If you are go skiing, make sure that you are fully covered!

These stories do shock you and may make you think twice about your holiday activities, but that doesn’t  seem right either– a big part of your holiday is sampling new cultures and trying new things. So what else can you do? Well really it is just making sure that you are as prepared as possible before you go. In both the incidents above, there was not adequate travel insurance to cover the activity. So, although it is something we always hear, you should make sure you read the small print of your insurance policy and check that it covers you. Also, make sure that you have a valid European Health Insurance card (EHIC) if you are travelling in Europe, in case you need medical care. What is more, the Foreign and Commonwealth Office recommend reading up the local laws of the place you are visiting before you go, so that you know what to expect and can help prevent possible incidents. This sounds like a good idea to me too!

Hope that this info helps you as you go about your travels this summer. Please add any other tips that you think may help out fellow travellers.