Holiday warning: Travelling uninsured could cost you over £100,000

8 Jun, 2018

08 Jun 2018 Travel insurance provider Admiral has revealed that 1 in 4 people would risk travelling abroad without insurance, despite the fact the cost of getting ill abroad could end up being considerably more expensive than the holiday itself.

Countries within the EU attracted more risk takers(25%) travelling without insurance, while far fewer would contemplate uninsured travel to other destinations such as America (6%), Australia (4%) and the Middle East (3%).

New analysis of claims data by Admiral found that July is the month holidaymakers are more likely to make a claim for falling ill or having an accident abroad, with Spain, Greece and France topping the list of holiday destinations where we claim the most.

Men (30%) are more likely to consider travelling uninsured than women (23%). When it comes to age groups travelers aged 17-29 are most likely (35%) to risk travelling uninsured, whilst Londoners are the most likely of all regions (46%) to leave the country without insurance.

Analysis of Admiral’s own travel insurance claims data found that almost 4 in 10 claims made related to a medical issue****, with medical expenses accounting for nearly 70% of the total claims costs seen by the insurance company.

Almost a quarter (23%) of claims involve children under the age of 18, with 72% of those claims relating to children younger than ten.  Nearly a third (28%) of claims involving children are for medical issues such as ear and throat infections, while 17% relate to simple cuts and bruises.

Of the travel insurance cases handled by Admiral, medical related claims account for 43% of all claims, over twice the number of claims made for the loss of personal luggage or baggage delay (20%) and over three times more than the number of claims made for delayed travel or missed departures (11%).

Putting a price on your health

Admiral travel experts have revealed the average costs associated with different medical issues faced by holidaymakers when abroad, revealing that treating a simple bout of food poisoning could cost up to £5,000 in some places, while a painkiller prescription can cost anywhere between £20 (France) and £750 (USA).

Meanwhile, a broken leg that requires you being sent back to the UK could set you back by as much as £36,000 in the United States£25,000 in the Dubai and even £1,800 closer to home in France.

A cut that requires stitches may be covered by the reciprocal health agreement in Australia, but if you need patching up in Canada it can cost up to £1,000. The average cost for the same treatment varies from £100 (France) and £700 (Mexico).

In the unfortunate event that you or a travel companion suffers a heart attack while abroad, the medical costs involved range anywhere from £6,000 up to £115,000 depending on where you are in the world.