Are you travelling abroad this year? Have you taken out suitable travel insurance?

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As summer is approaching more and more people are getting ready for their holiday abroad; holidays are one of the things that we most look forward to in the year and therefore the last thing you want to happen is to have your holiday ruined through illness or having an accident.

Not only does it ruin your holiday but the main concern is do you have adequate holiday insurance to meet any treatment bills?

A recent survey released by the Department of Health reveals that almost 50% of British travellers have become ill or injured on holiday. More startling is 35% of these have delayed often essential, medical treatment until they return home. The survey also revealed the main reasons given for not seeking treatment abroad are concerns about the potential cost and lack of travel insurance.

Recent statistics show that 45% of those who have become unwell on holiday have cited worrying about the cost of the treatment as the main reason for not seeking medical treatment and this includes not having travel insurance.

It is essential therefore that you ensure you have suitable travel insurance in place prior to going on holiday together with a valid European Health Insurance Card (EHIC) if you are travelling in Europe.

Prior to going abroad and taking out your travel insurance, check with the insurance provider exactly what the insurance will cover you for whilst abroad to ensure you have peace of mind in the event of an accident or suffering illness.

Not many people are aware that when travelling to a European County having suitable travel insurance together with a valid European Health Insurance Card is highly recommended. The EHIC entitles the holder to state-provided medical treatment within the country they are visiting. The service provided will be the same as received by a person covered by the countries “insured” medical scheme.

EHIC is not a replacement for travel insurance. Comprehensive travel insurance is recommended for visits to all countries, regardless as to whether you are covered by your EHIC. Travel insurance will cover any contribution which is not reimbursable, as well as other eventualities not covered by the EHIC. Some travel insurance policies are not valid without an EHIC so always check the terms and conditions.

Most travel insurance will not compensate you for suffering personal injury or illness as a result of the fault of a third party.

This article was written by Ruth Magee and Lisa Wright – Personal Injury Team.


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