The Real Story

Hol­i­day in­sur­ance

Real People - - CONTENTS -

Imag­ine: One day you’re sip­ping cock­tails by the pool; the next you’re hav­ing key­hole surgery in a for­eign hospi­tal to re­move a be­nign tu­mour.

And if that hadn’t ru­ined your hol­i­day enough, you’re given a £30,000 med­i­cal bill for your trou­bles!

That’s what hap­pened to Juliet Thomas, 50, on a trip to Cape Verde in Jan­uary.

And like nearly 10 mil­lion Brits last year – ac­cord­ing to as­so­ci­a­tion ABTA fig­ures

– she didn’t have the right in­sur­ance, so had to fork out the money her­self.

‘Ev­ery year we see cases of peo­ple fall­ing into difficulty due to trav­el­ling with­out suf­fi­cient travel in­sur­ance,’ says Mark Tanzer, chief ex­ec­u­tive of ABTA.

Most of us as­sume our­selves and our pos­ses­sions are cov­ered, but there are un­ex­pected ex­cep­tions, of­ten buried in the small print.

The For­eign and Com­mon­wealth Office es­ti­mates that a moped ac­ci­dent in Greece, for ex­am­ple, with surgery and repa­tri­a­tion to the UK, could set you back £15,000!

‘Travel in­sur­ance should not be seen as a “nice-to-have”, but as an es­sen­tial com­po­nent of your hol­i­day plan­ning,’ says Ge­orgie Frost, con­sumer ad­vo­cate at Go­com­pare.

‘Pol­icy doc­u­ments can be baf­fling, so call the in­sur­ance com­pany to clear up any grey ar­eas.

‘Make sure you un­der­stand what’s cov­ered and what isn’t.’

Real Peo­ple’s Lind­say Calder looks at what hap­pens when your insurer’s com­puter says ‘NO’.

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