2 min read
24th October 2022

Why Do I Need Travel Insurance?

Photo by Pixabay from Pexels
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Travel insurance is important if you want to ensure that you’ll be able to get medical treatment whilst you’re away. For more information on our travel insurance products .

Why bother with travel insurance?

On holiday the cost of medical care could run to thousands of pounds.

Insurances; such as private health insurance and accident cover through a credit card scheme for instance don’t cover most travel emergencies.

Without an adequate travel insurance policy, you may have to meet the emergency costs out of your own pocket. The British Consulate may well not be able to assist you.

Travel insurance that includes medical expenses and repatriating you is essential.

Did You Know?

498,000 individuals and families claimed on travel insurance in 2018.


£1.1 million Was paid out every day by travel insurers in 2018.

Source: Analysis conducted by finder.com

What does travel insurance cover?

Typical travel insurance policies include benefits such as:

  • Emergency medical expenses
  • The costs of cancellation, delaying or curtailing your holiday.
  • Personal belongings for loss or theft.
  • Personal liability, in case you’re found responsible for causing injury to or damaging the property of a third party.

Did You Know?

In 2018 the majority of claims were made for medical expenses, at over 52% — totalling £209 million.


Cost of travel insurance can be less than a couple of glasses of wine at the airport bar. Yet an estimated one in five travellers still travel without insurance.

Source: Analysis conducted by finder.com

What travel insurance may not cover?

There are some common things you should watch out for:

  • If you have certain medical conditions or are over 65, you might require a more comprehensive insurance. If you have a medical condition you must inform the insurance provider if asked or you may invalidate your travel insurance policy. When purchasing travel insurance it's essential that you answer all questions regarding your circumstances and health honestly. You have to include everything, even if you think it’s trivial, such as being on regular tablets for high blood pressure or angina. If you omit such details it may invalidate your travel insurance policy.
  • Hazardous sports / activities and winter sports, are not always covered as part of a basic travel insurance policy and extra cover may be required.
  • Most travel insurance policies, will not cover travel to countries or regions that the Foreign and Commonwealth Office advises to avoid — for the latest updates on the destinations to be avaoided visit Foreign and Commonwealth Office website

Did You Know?

A claim was mde in 2018 for £760,000 by a tourist visiting the USA who required treatment for a stroke and an air ambulance back to the UK.

Source: Analysis conducted by finder.com

In conclusion

The main benefit of travel insurance is the emergency medical cover it affords whilst on holiday.

What happens if you are injured whilst hiking in the hills and need to be helicoptered to hospital?

Would you be able cope if you your partner or one of your children were injured of became sick, in the US or some other country whose medical care costs are very expensive?

With proper holiday insurance covering those costs, you’ll know the value of travel insurance and why it is as essential as a passport.


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