Why Travel Insurance Is So Important?
✈ Travel Safely, Travel Smart
Last year, insurers in the UK paid out a staggering £472 million in travel insurance claims across 500,000 cases. Of that, £262 million covered medical emergencies—accounting for 34% of all claims (a clear rise from 29% in 2023). The average claim? £1,528.
Real Claim Stories
• A six-figure U.S. hospital stay and repatriation: One policyholder’s emergency treatment in the USA plus medical evacuation back to the UK cost insurers over £1 million.
• Broken ribs abroad: A fractured rib resulting in a punctured lung—medical costs soared to around £90,000. Even a seemingly minor mosquito bite led to claims of £40,000.
These cases highlight how fast costs can spiral when emergencies strike overseas.
Why Travel Insurance Matters
- Medical emergencies can be financially devastating abroad, with treatment and evacuation running into tens or hundreds of thousands.
- Rising medical claim frequency—now 34% of all claims—means more travellers are relying on coverage than ever before.
- It’s not just about medical emergencies—good policies also cover delays, cancellations, lost baggage, and repatriation.
- Peace of mind—you can focus on getting better, not how to pay for it.
Tips Before You Book
- Buy your travel insurance as soon as you book—not last minute. Most policies will deny claims if purchased after departure. It also provides cover should you have to cancel the trip.
- Disclose any pre-existing medical conditions to ensure you’re properly covered.
- Read policy terms carefully: Know what’s covered—and what isn’t. Many complaints stem from undisclosed conditions or confusion over policy exclusions.
Need Help?
Planning your next trip? Don’t leave it to chance.
Contact your broker today to compare travel insurance options and get the right cover for your journey.
