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Travel medical insurance

Falling ill on you travels can cost you and your family dear

The cost of falling ill on holiday can easily run into £1 million-plus so it's vital to have good travel health insurance cover for medical mishaps.

According to the Foreign & Commonwealth Office in Mediterranean countries just 2 days in a general ward could sting you £1,600.

For 2 days in intensive care £5,000 is nearer the mark.

That may bring tears to your eyes.

But if you fall ill in the USA a busted leg or wrist could take you to the cleaners to the tune of £20,000-30,000.

Hot Tips and Info

Hope for the best - but prepare for the worst

Calculate the odds and cover you need for at least the essentials

Don't let lack of insurance land you in deep debt

Lack of cover may play on your mind especially at these costs

Families need to have cover as risks become multiplied

Adequate medical travel insurance is cheap compared to the costs of treatment abroad

Sting

Even something as simple as a stomach bug or sunburn can sting you big time - expect to cough up around £35 for each visit to the doctor in Mediterranean countries and £200 - 400 in the States (USA).

The cost of bringing you home to the UK depends on just how sick you are.

If you need a stretcher as opposed to an ordinary seat on a normal flight, take a deep breath.

The latest figures according the Foreign & Commonwealth Office are:-

  • £30-35,000 Air ambulance (Jet) - East coast of USA
  • £16,000 Air ambulance (Jet) - Canaries
  • £8,000 Air ambulance (turbo-prop) - Balearics
  • £2,000 Air taxi (propeller driven light aircraft) - Northern France
  • £8,500 Scheduled flight, stretcher and Doctor escort - Australia
Travel medical emergency insurance
  • £4,000 Scheduled flight, seated club, with a nurse escort - West coast of USA
  • £1,300 Scheduled flight, seated economy with a Doctor escort - Mediterranean
  • £300-£500 Scheduled flight, seated economy without an escort - Mediterranean
  • £3,000-£4,500 Scheduled flight, stretcher and Doctor escort - Mediterranean

The approximate figures above are supplied by the Commonwealth Office's partners, FirstAssist.