Young Brits putting family finances at risk overseas
17 Jun 2014 03:39 PM
FCO and ABTA issue warning to young British travellers about the
importance of travel insurance.
Travelling abroad uninsured can cost thousands if a trip goes wrong. Yet
according to new research issued by the Foreign & Commonwealth Office (FCO)
and the Association of British Travel Agents (ABTA), over one in three (38%)*
young Brits** don’t think it is necessary to take out insurance when they
travel overseas, often leaving their families to pick up the pieces.
The findings from research conducted by ABTA come as
the FCO and ABTAurge young holidaymakers to be better prepared
for their travels abroad and ensure they are properly covered.
Medical costs arising from uninsured accidents abroad can be significant,
and it is often parents who are presented with an unexpected and large bill
with no hope of reclaiming the money. The cost of bailing out a loved one can
run into thousands – but despite this, almost half of 16-24 year olds
claim the reason they don’t take out insurance is because they are
willing to take the risk.
One in five young people also think that a European Health Insurance Card
(EHIC) acts as a full insurance policy when abroad. However,
an EHIC only provides access to state medical care in the European
Economic Area and does not cover other costs such as bringing the individual
back to the UK.
16% of young people surveyed wrongly presumed that all of their treatment
costs would be covered by the UK Government if they had an accident or fell ill
while abroad. In reality it is the holidaymaker or their family who will pick
up the bill if they are not covered, and this can range from £500 to
treat a sprained ankle in a popular holiday resort like Corfu, to £15,000
to £20,000 for a scheduled flight, stretcher and medical escort from
Australia.*** Serious injuries can also lead to bills of thousands of pounds a
day which can rapidly escalate to very substantial sums.
FCO Minister Mark Simmonds said:
It’s the time of year when people are preparing to travel abroad for
summer trips, including some for the first time without their parents.
Arranging comprehensive travel insurance should be at the top of their to-do
list before departing. An accident or emergency abroad can end up costing
thousands and it’s often the family who is left to cover the costs.
Although we will do what we can to support people who encounter difficulties
while abroad, the FCO cannot cover medical bills or fly them home. We
urge all travellers, particularly young people, to think about the effect not
having comprehensive insurance can have on both themselves and their families.
Don’t leave it to others to pick up the pieces if things go wrong.
ABTA Head of Communications Victoria Bacon said:
Every year ABTA sees tragic cases of young people who have had an
accident or incident while on holiday overseas that requires very serious
medical help. In some of these cases parents are presented with massive medical
bills because their children went on holiday uninsured – and this is
despite the cost of insurance being as little as £25 for an annual
policy. In extreme cases people have had to sell their house to cover the
costs, or desperately try and get funds from their friends and family. Buying
adequate travel insurance should be the top of every holidaymaker’s
list.
Notes
*The ABTA Consumer Trends survey generated response from a
nationally representative sample of 2008 consumers using an online research
methodology and related to holiday booking habits in the 12 months to August
2013. Fieldwork was conducted by Arkenford in August 2013.
**Young people aged 16-24.
***Figures supplied by FirstAssist Services Ltd.
The EHIC
An EHIC entitles you to state healthcare for medical treatment
that becomes necessary during your trip, for example because of illness or an
accident. It includes treatment of a pre-existing medical condition that
becomes necessary during your visit. It will not cover your medical expenses if
you are going abroad specifically to have treatment (including giving
birth).
You should be able to get the same treatment as a resident of the country
you’re visiting. However each country’s healthcare system is
slightly different, so your EHIC might not cover everything that
would be free on the NHS.
The EHIC is valid in all European Economic Area (EEA) countries
and Switzerland. You may not be able to use the card in some parts of
the EEA if state-provided healthcare is not available.
For more information about the EHIC and to apply for your free
card, visit the NHS Healthcare
Abroad
Further information
The FCO’s Know Before You Go campaign encourages British
nationals to prepare for their foreign travel so they can avoid preventable
problems. The campaign targets a number of audiences, from gap year students to
package holidaymakers; sports fans to older travellers and people visiting
friends and family abroad. The campaign works with around 550 travel industry
partners to communicate its messages. For more information visit our Know Before You Go page.
ABTA offers advice to holidaymakers on travel essentials, including
travel insurance – visit ABTA’s travel
insurance page for more details.
Our new Travel Insurance Infographic
2014 (PDF, 176KB, 1 page) outlines some interesting
travel insurance facts and figures.
For further information please contact the Know Before You Go team on 020
7781 2342 or by email