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Why Do I Need Travel Insurance?

Did You Know?

Over 1,300 travellers a day helped by insurers when things go wrong abroad.


Insurance pay-outs of £1 million a day to travellers in 2016 – the highest since 2010.

Source: Association of British Insurers

Travel insurance is important if you want to ensure that you’ll be able to get medical treatment whilst you’re away. For more information on our travel insurance products click here.

Why bother with travel insurance?

On holiday the cost of medical care could run to thousands of pounds.

Insurances; such as private health insurance and accident cover through a credit card scheme for instance don’t cover most travel emergencies.

Without an adequate travel insurance policy, you may have to meet the emergency costs out of your own pocket. The British Consulate may well not be able to assist you.

Travel insurance that includes medical expenses and repatriating you is essential.

Did You Know?

Payments for emergency medical treatment account for over half - 54% - of all claims costs at £199 million.


Cost of travel insurance can be less than a couple of glasses of wine at the airport bar. Yet an estimated one in four1. travellers still travel without insurance.

Source: Association of British Insurers

What does travel insurance cover?

Typical travel insurance policies include benefits such as:

  • Emergency medical expenses
  • The costs of cancellation, delaying or curtailing your holiday.
  • Personal belongings for loss or theft.
  • Personal liability, in case you’re found responsible for causing injury to or damaging the property of a third party.

What travel insurance may not cover?

There are some common things you should watch out for:

Did You Know?

16% of consumers mistakenly believe that travel insurance is unnecessary as the UK government will pay for treatment abroad

Source: The Foreign and Commonwealth Office (FCO)

  • If you have certain medical conditions or are over 65, you might require a more comprehensive insurance. If you have a medical condition you must inform the insurance provider if asked or you may invalidate your travel insurance policy. When purchasing travel insurance it's essential that you answer all questions regarding your circumstances and health honestly. You have to include everything, even if you think it’s trivial, such as being on regular tablets for high blood pressure or angina. If you omit such details it may invalidate your travel insurance policy.
  • Hazardous sports / activities and winter sports, are not always covered as part of a basic travel insurance policy and extra cover may be required.
  • Most travel insurance policies, will not cover travel to countries or regions that the Foreign and Commonwealth Office advises to avoid— for the latest updates on the destinations to be avaoided visit Foreign and Commonwealth Office website

In conclusion

The main benefit of travel insurance is the emergency medical cover it affords whilst on holiday.

What happens if you are injured whilst hiking in the hills and need to be helicoptered to hospital?

Would you be able cope if you your partner or one of your children were injured of became sick, in the US or some other country whose medical care costs are very expensive?

With proper holiday insurance covering those costs, you’ll know the value of travel insurance and why it is as essential as a passport.

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