×

CAMDEN LEISURE NEWS

Thursday May 23 2019

Brits Abroad an insight to injuries and insurance




Brits Abroad an insight to injuries and insurance

The ABTA Holiday Habits report 2017 stated that the number of people travelling abroad on holiday increased from 55% to a high of 57%. As travelling becomes more of a lifestyle necessity than a luxury, we’ve teamed up with TRUE Solicitors LLP, medical negligence claims specialists, to investigate whether Brits are taking out insurance before jetting off, what their insurance actually covers and how certain aspects of their behaviors can actually invalidate their claims.

Are people insuring themselves before they board the plane?

According to ABTA, in the 12 months leading up to May 2017, a total of 25% of holidaymakers weren’t insured on their trip, up by 3% on May 2016’s results. However, this differed between age ranges but was commonly problematic among young people travelling abroad.

 

Results from May 2016 found that 31% of 18-24-year-olds weren’t insured when they went abroad. This figure increased by 9% in the following year. 25-34-year-olds were also guilty of this risky move, with 31% of jet-setters not insured in 2016 — growing to 38% in 2017.

 

The only age bracket to show a positive decrease from 2016 to 2017 was 35-44-year-olds. However, this drop was marginal, down to 25% from 26%. For people aged 45-54, 20% of travelers weren’t insured for their trip in 2016, a figure that grew by 3% in 2017. Those aged 55 and over remained the same over the two years, with just 14% not taking out insurance before their trip.

 

For those who travelled without insurance, 36% said that they didn’t think that they needed it. Although refusing to buy insurance will have short-term financial benefits, the savings made don’t compare to the detrimental financial situation you could be in if something was to go wrong abroad. Despite this, 22% said that it was a risk they were willing to take.

 

Lots of people wrongly assume that when they’re travelling in Europe, they don’t need insurance because they have an European Health Insurance Card (EHIC). However, this is not the case, as EHIC is only valid for medical necessities within the European Union and the European Economic Area (EEA) in state hospitals. It has been advised by the Foreign and Commonwealth Office that all people wishing to travel outside of their country should also have comprehensive travel insurance as this will likely cover repatriation in the case of a medical emergency.

 

With Britain soon set to leave the European Union after the Brexit vote, it is unclear what will happen in terms of the EHIC. What we do know is that those who are officially living abroad — whether this is to work or study on the day the UK officially leaves the EU — their card will continue to prove eligibility for the same state-funded healthcare as the citizens of the country receive.

What you should know about travel insurance

Insurance is all about covering the unpredictable events that may occur before your holiday or when you finally reach your destination. It’s important that you purchase your insurance as soon as you book your holiday, as it can cover potential cancellations and pre-trip illnesses — it’s a small financial decision that can save you a fortune in the long run.

 

It’s important that you analyse the policies that come with any travel insurance you purchase, as different companies will offer different levels of coverage. It is unlikely that they will cover high-risk activities. It’s important to consider what type of holiday you’re going on — if it’s active like skiing, you must inform your insurer to get the best cover.

 

Pay attention to the small print too. For example, if you’ve consumed alcohol and need medical attention some insurance companies will reject your claim — in extreme cases, they could seek out court rulings and will supply the court with medical records that say you had alcohol in your blood. It’s important to remember that in hot countries, your body will absorb alcohol more easily too.

 

If you have something stolen from you when you’re abroad, you must have substantial evidence that will back your claims.

 

Another worrying factor that you should be aware of before travelling is that if your travel company was to go out of business, you would not be covered. However, when it comes to the airline going out of business, you may be covered but could be required to pay an extra premium.

 

Only in exceptional circumstances may insurance companies waiver the decision to cover terrorism or natural disasters such as earthquakes, tsunamis and lightning strikes.

Most common injuries to occur abroad

Research has suggested that 74-80% deaths abroad are caused from natural circumstances like heart attacks. However, the same source found that 18-24% occur due to accidents and 2% from infectious diseases. Two thirds of holidaymakers worry about getting sick when they’re away, but it’s inevitable when results show that one in 20 trips can include sickness or injury.

 

Slips, trips and falls are some of the most common causes of injuries when holidaying abroad and this is sometimes caused by uneven carpets or flooring that has not been properly maintained. Take note of signs to ensure you’re not at risk of injury through slippery or uneven floors.

 

As we drive on the left here in the UK, facing foreign roads can sometimes be a challenge and leave us confused at times.  You might be trying to follow directions or the GPS on your phone — but you must stay alert and not get distracted to avoid any type of road traffic accident.

 

Of course, you want to have fun when you’re on holiday and you don’t want to miss out on any sport excursions. If you have concerns, you must ask the organisers as high risk activities can invalidate any insurance policies if you’re not properly protected.

 

The cost of such injuries can be excessive too, with the average medical claim costing £914. However, for 65-74-year olds, this cost increases to £971.63. One example provided by the FCO stated that one stomach bug infection that was treated in a Californian hospital cost £100,000, including return flights back home.

 

48% of people don’t realise that without travel insurance, they’d have to pay for their own medical bills when they’re abroad. 78% said that they wouldn’t be able to pay just £10,000 to cover the costs that could present themselves.

 

All in all, it’s vital for people to take out the right insurance policy for their needs when they travel abroad and fully understand what they are and aren’t covered for. With Brexit just around the corner, and the fate of the EHIC unknown, will we see an increase in the number of people taking out insurance?

 

 

Sources:

https://www.worldwideinsure.com/travel-blog/wp-content/uploads/2014/06/Travel_insurance_facts_infographic_9267747559.jpg

https://www.moneysavingexpert.com/news/travel/2017/06/16-things-about-travel-insurance-they-dont-tell-you

https://betravelwise.com/10-interesting-maybe-random-travel-safety-statistics/

https://www.theguardian.com/money/2016/may/15/travel-insurance-holiday-europe

https://www.telegraph.co.uk/travel/advice/alcohol-consumption-invalidate-travel-insurance/

https://www.dailystar.co.uk/news/latest-news/671569/Skiing-British-skiers-drunk-alcohol-apres-ski-accident-serious-injury-risk

https://www.ons.gov.uk/peoplepopulationandcommunity/leisureandtourism/articles/traveltrends/2016

http://www.thisismoney.co.uk/money/bills/article-4596054/Could-slash-cost-summer-holiday.html

https://abta.com/about-us/press/two-in-five-millennials-travelling-abroad-uninsured

https://abta.com/assets/uploads/general/Holiday_Habits_Report_2017.pdf

http://www.bbc.co.uk/news/uk-politics-eu-referendum-41125931

https://www.benenden.co.uk/be-healthy/lifestyle/the-five-most-common-types-of-accidents-on-holiday-and-how-to-avoid-them/

 



"If you have something stolen from you when youre abroad, you must have substantial evidence that will back your claims."
True Solicitors








DISCLAIMER: The statements, opinions, views and advice expressed in this article are those of the author/organisation and not of ENTIRELY. This article should represent information correct at the time of publication however whilst every care has been taken to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. ENTIRELY will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within this article or any information accessed through this site. The content of any organisations websites which you link to from ENTIRELY are entirely out of the control of ENTIRELY, and you proceed at your own risk. These links are provided purely for your convenience and do not imply any endorsement of or association with any products, services, content, information or materials offered by or accessible to you at the organisations site.







Entirely London Jobs


Duty Manager - Leisure Centre in West London

West London


We are looking for a full-time Duty Manager to join our management team, you will be responsible for the smooth running of our Club, that means everything from leading staff, managing a department ,and maintaining quality and standards in all areas.




Specification Sales Manager - Sports & Leisure

North West London


Specification Sales Manager - Sports & Leisure Job Title: Specification Sales Manager - Sports & LeisureJob reference Number: 228585-3330-19143Industry Sector: Council & Competition Swimming Pools, Sports & Leisure, Architects and Ceramic & Porcelain TilesArea to be covered: South of StokeRemuneration: Up to £42,000 + £5,000 Bonus




General Manager - Leisure Facility

Croydon


General Manager - Fantastic Leisure facility Croydon £45K-£50k plus bonus We are recruiting for a General Manager for a leading trampoline park in Leeds.




Digital Project Manager-Leisure and Retail

London


Digital Project Manager - Digital Agency London - £40,000 Currently working with a Retail and Leisure Agency who are seeking a talented Digital PM to join their team.




Senior Sales Manager, Digital Recruitment- Leisure/Hospitality sector

City of London


Opportunity to join a brilliant digital recruitment business for the hospitality and leisure sector as Head of Sales.




LEISURE CENTRE MANAGER - LUXURY 4 RESORT - (LIVE IN)

Central London


Leisure Centre Manager - Luxury 4* Resort - (Live In) - Across the UK - Up to £35,000 About the CompanyOur client is currently recruiting for an amazing Head of Leisure opportunity for a luxury 4* resort offering hotel and lodge accommodation.




Retail / Leisure Marketing Manager

Kingston Upon Thames


Based in the Kingston-upon-Thames area this high-profile client with an expanding portfolio of quality retail and leisure stores seeking an experienced Marketing Manager to join their team.




Director of Leisure Travel

City Of London


Director of Leisure Travel - London.




Senior Leisure Travel Consultant

North West London


Are you a Senior Leisure Travel Consultant who is passionate about providing a fantastic all round travel service to your customers? Would you like to work for a company who provide a high basic salary, have an outstanding reputation for specialising in luxury leisure travel and where you can work Monday to Friday, 9:30am- 5:30pm with only ONE Saturday a month (for which you get paid extra?) We can assure you that this role of Senior.




Adults Activities Coordinator - Learning & Leisure

North London


Adults Activities Coordinator - Learning & Leisure (AACLL-0819) Salary: £22,750 per annum (pro rata)Hours: Part time, 25 per week (including some evenings)Contract: 1 year Fixed Term (potential extension dependant on Service funding) Centre 404 is a friendly, local and thriving charity with an excellent reputation for providing high quality support and services to people with learning disabilities and their.




Retail / Leisure Marketing Manager

Kingston Upon Thames


Based in the Kingston-upon-Thames area this high-profile client with an expanding portfolio of quality retail and leisure stores seeking an experienced Marketing Manager to join their team.




Finance Manager Leisure

London


Your new companyYou will be working for a rapidly growing leisure company with modern, non-corporate offices.




Dutch speaking Customer Care Advisor - Leisure and Tourism

London


We are currently working with a global name in leisure and tourism who are looking to build their team of Dutch speaking customer service advisors for their London HQ.




German speaking Customer Care Advisor - Leisure and Tourism

London


We are currently working with a global name in leisure and tourism who are looking to build their team of German speaking customer service advisors for their London HQ.




Head of European Operations - Leisure Business

London


This newly created role has responsibility for keeping the daily Operations running smoothly and efficiently across Europe.




Retail / Leisure Marketing Manager

Kingston Upon Thames


Based in the Kingston-upon-Thames area this high-profile client with an expanding portfolio of quality retail and leisure stores seeking an experienced Marketing Manager to join their team.




Senior Leisure Travel Consultant

London


Senior Leisure Travel Consultant, London, up to £34k p.




RECOMMENDED FOR YOU ON ENTIRELY LEISURE






















Jurgens Bierhaus to open in Liverpool.


A new football themed venue called Jurgens Bierhaus will be opening later this month at the site of the old Tom Halls Tavern on the Strand in Liverpool.The site is currently being refurbished but will be open after the international football break































Discover the latest Industry News & Opinions on Entirely














We transform your bright ideas into brilliant digital products.