Multitrip.com, a specialist travel insurance provider, reveals travellers’ top five insurance claims  and how much they can cost, demonstrating what can go wrong when people are away from home. The most common reason is claiming for medical costs, with this accounting for almost a third (30%) of claims .

One in five claims are for cancellation (21%) usually because of illness or injury to the traveller or a travelling companion. This is closely followed by claims for travel delays (16%) often due to a customer not being able to use pre-booked accommodation or transport due to a flight delay.

One in ten claims are for lost baggage (10%) and one in twenty for curtailment (5%) which is when someone has to cut short their holiday. Typically, the highest value claims are for medical, cancellation and curtailment. For example, a fracture in Europe could cost over £27,000 , and over £87,000 in the USA.

Christian Bennett from Multitrip.com comments, “Unfortunately things can and do go wrong when we’re away from home. Travel insurance is there to provide financial protection if your holiday doesn’t go as planned.”

He continues, “It’s important to check that the policy you buy provides sufficient cover for your needs. Our Essential cover provides great protection as standard, with Premier and Premier Plus Cover offering extended benefits for those who want even more protection.”

Multitrip.com offers a range of policies to suit different needs and budgets. The Annual ‘Essential Cover’ policy, starting from just £19.99 , includes up to £1,000 per insured person for cancellation or curtailment and £1,600 for baggage or baggage delay.

For those looking for added reassurance, Premier and Premier Plus Cover provide additional benefits beyond the Essential Cover, offering greater flexibility and protection for your trip. ‘Premier Cover ‘ provides up to £3,000 per insured person for cancellation or curtailment and up to £2,000 for baggage. The ‘ Premier Plus Cover ‘ offers the most extensive protection, with up to £5,000 for cancellation or curtailment and up to £3,500 for baggage or baggage delay.