Failing to take out holiday insurance can cost you thousands…

According to Opinion Research*, one in twelve British holidaymakers never take out holiday insurance, while one in 20 would not cover themselves for a European break. With medical costs potentially running into the thousands, especially in countries such as USA, Spain and Cyprus, read on to find out why taking out adequate holiday insurance is a must!

*source: The Guardian 2009

You never know when the unexpected can happen. Unforeseen events can lead to health related emergencies no matter where in the world you are. Without adequate holiday insurance, travellers are liable to cover all relevant medical and repatriation costs themselves.

Example medical costs†:Broken leg in Europe – £4,000-7,000
A heart attack in Spain – £35,000

If you need to be repatriated back home to the UK, the cost of flights will depend on the class of travel required which will be dependent on the medical condition. For example, whether the passenger can travel seated or requires extra seats for a stretcher. It will also depend on their exact location and destination. Not to mention additional costs such as hotel accommodation for travel companions or medical escorts, medication, road ambulances and other transportation.

Example repatriation costs†:
Air ambulance from the East coast of USA – £30-35,000
Scheduled flight from the Mediterranean – £3,000-£4,500
Scheduled flight from Australia – £8,500

†Source: Cultural Cube
Those without holiday insurance will have to meet those costs themselves. Repatriation is expensive and at a time when the number one priority is to get home, you do not want to be stranded in a far flung destination wondering why you didn’t get the travel insurance cover before you left, so check out 24/7 travel insurance for an instant online quote!

Whilst a valid European Health Insurance Card (EHIC), previously known as the E111, does provide access to reduced-cost medical treatment in Europe, it may not provide all the cover that may be required.

For example, repatriation costs are not included under the EHIC and whilst you might think these might only be required for severe medical cases, even a broken leg may result in a hefty repatriation cost as an airline may not be able to accommodate the patient at short notice with the extra seating room required and the associated expenses.

Types of holiday insurance
When buying your holiday insurance, don’t assume that every policy is the same. Your needs may be different from others, so make sure the policy you buy provides the cover that you require. Read the policy wording, check the level of cover and ensure you are covered for any activities that you want to undertake. Carry your holiday insurance documentation with you on holiday and keep the 24 hour emergency assistance number on you at all times along with your policy number. Get an instant 24/7 travel insurance quote, for just £5.91** 24/7 travel insurance will cover you for a 3-day trip to Europe!

**Premium £5.91 includes Insurance Premium Tax; based on an individual traveller aged under 55 taking out a Standard single-trip policy for 3 days in Europe including personal possessions cover and purchased within 14 days of departure date. Cover details and prices are correct at time of going to press (July 2009) and are subject to change.