Taking out adequate travel insurance for you and your holiday party should be on the top of your list before setting off on holiday, but travel insurance comes in many shapes and sizes and it’s important that you choose the right policy to suit you.
For example, you or your family might pay for travel insurance that covers you in the event of a holiday accident, but if you take part in any activities that aren’t specifically noted in the terms and conditions of your policy, your insurer will not necessarily be required to cover the any medical costs or your flight home, should you need to return earlier than expected for treatment in the UK.
My advice is that if you’re about to set sail for a holiday overseas and are concerned about finding yourself in a similar situation, while a holiday injury will always come as an unfortunate surprise, by taking out travel insurance you may avoid feeling stranded whilst in a foreign country.
I would recommend that any client takes out travel insurance and that they carefully check the terms and conditions of the policy so as to ensure that they are covered in respect of the destination that they are travelling to, and in relation to any activities that they may wish to undertake whilst on holiday.
An example of this is adventure holidays. Although we all want to enjoy our holiday and not think about the ‘ifs’, it is always best to be prepared and make sure you have the necessary insurance in case you do suffer an injury whilst on holiday, especially if taking part in adventure activities.
For more information, see our Top Tips For Buying Travel Insurance
I would also suggest that a copy of the travel insurance policy is taken with you on holiday, so that you have the policy schedule and relevant contact numbers with you in the event of an emergency.
Data from the Association of British Insurers (ABI) shows that more than 3,000 tourists a week are making holiday compensation claims for emergency medical care while travelling abroad. Despite this, the Association of British Travel Agents revealed that one in five holidaymakers still don’t take out travel insurance, with the cost of a holiday accident or illness potentially reaching the cost of a house.
For more information, see: Could a Holiday Illness Cost You More Than a House?
What if an Accident or Illness Ruins Your Holiday?
In the event disaster strikes and your perfect holiday plans are spoiled by an illness outbreak or an accident abroad, a travel claims specialist could still help.
Nicola Rostron is a travel litigation lawyer at Slater and Gordon Lawyers in Manchester.
If you suffer an illness or accident whilst overseas, our no win, no fee solicitors can help you with your claim for compensation.
Call us on Freephone 0800 916 9046 or contact us online.
From outside the UK please call +44 20 7657 1555.