The end of the year is looming. That means thoughts will soon turn to summer 2018. Is it the same for you? What are your plans so far?
New research from The Foreign and Commonwealth Office suggests that 72% of people over 55 are planning on taking a foreign holiday next year, with half of those identifying as having a pre-existing medical condition. As a result the FCO is advising everyone planning trips in 2018 to make sure they are properly insured.
What we worry about when going on holiday
The FCO research also suggested that the things we worry about most aren’t often the most important. Getting to the airport is a big worry for many travellers, with 18% putting it ahead of anything else as a concern. Going through airport security also gives us sleepless nights, with 20% of us making that our foremost headache. Waiting for luggage is another worry that occupies 11% of us.
And yet these worries are easy to overcome, with forethought, planning and a good book. Leave early, allow for delays, be patient and, generally, things will be fine. Security, of course is tight at airports these days, and rightly so. The key to surviving this is to comply with whatever the security people ask from you, remember that the tougher it is the safer you’ll be and to allow plenty of time to get through. You can also prepare for this in advance by making sure you have all your liquid toiletries in containers of no more than 100ml and in a clear re-sealable bag (20x20 cm). It also helps if you remember that laptops and electronic devices need to be x-rayed separately so make sure they are easy to access. Having your boarding card ready will also make things run smoothly. And be prepared to remove watches, belts and possibly even your shoes.
What should we really be worrying about?
Sometimes we tend to focus on the immediate, such as the mechanical workings of actually going away on holiday, instead of the things that are actually more important. According to the FCO research only 2% of us worry about making sure we have adequate travel insurance. Perhaps we are simply too blasé about things like that or just don’t quite get how important it is to be properly covered, especially if we travel with a medical condition. Or perhaps it’s the cost? 23% said this was a factor when considering travel cover with 1 in 20 knowingly not declaring medical conditions due to the increased cost – despite the costs if the worst was to happen!
The cost of medical treatment abroad
While a few quid on top of your policy to cover your medical conditions might pinch a bit when it comes to buying your policy, it’s worth taking a look at the costs of NOT being insured when you were away. For example, if you were to have a stroke or heart attack and needed to be repatriated costs range from £15,000 for an air ambulance in France to £90,000 for an air ambulance in the US. A fractured hip could cost from £15,000 in Spain to £80,000 for an air ambulance in Thailand or the US. A fractured arm could cost as much as £1,000 in France and Spain, while treating a simple ear infection could cost £2,000 in the US! Imagine having to fork out for that! It makes the cost of travel cover seem like small change, doesn’t it?
How World First can help you find the right travel cover
Here at World First we insure thousands of people every year who travel with a medical condition. We do it at a price that’s fair too, often beating the competition by a long way and, as a result, often making travel possible. It’s easy to get a quote too. Just CLICK HERE to go to our online quote page, or call us on 0345 90 80 161. All you have to do is answer all our questions fully and honestly and we’ll make sure you get a competitive quote. In fact, we think you’ll find it hard to beat – so call us first!
Finally, what you EHIC card does for you
If you travel in Europe you will need to travel with an EHIC card. This can provide you with a certain level of cover – the same level that a local can expect - but does not replace a travel insurance policy. Here’s what the FCO say: A European Health Insurance Card (EHIC) only provides access to state medical care in the European Economic Area and does not cover other costs such as bringing the patient back to the UK or additional accommodation costs in-country. Travellers should also remember that the level of free public healthcare can vary between countries, so British nationals may not have access to the same specialist treatment that they would at home.
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