Insure and Away ensures spring breakers understand the need for appropriate cover

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More people than ever are getting away for a spring break this year, according to the Daily Mail, and with temperatures more reminiscent of mid-winter than spring that's not surprising. The UK has just emerged from the coldest March for decades and the Met Office predicts these chilly temperatures could hang around for much of April.

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Many countries don’t have the same standards of medical care as we enjoy here in the UK, and most treatments must be paid for personally, which is why it’s so crucial to choose comprehensive health insurance before you travel.

Whether they are jetting off for some much needed sun in warmer climes, regular travellers for business or pleasure, or considering an active holiday such as snowboarding in France or in New Zealand, it is important that travellers have a travel insurance policy that covers their trip.

Nobody wants to think that something bad will befall them when they are on holiday, but the reality is that accidents can and will happen, illnesses will crop up at the most inopportune of times, and bad reactions can be had to foods travellers are not used to eating.

For British travellers in EU and EEA countries, the European Health Insurance Card is something that should always be obtained free via http://www.ehic.org.uk although many travellers mistakenly think this covers everything. The EHIC card should be obtained for each person travelling, including children in addition to appropriate travel insurance cover.

The card gives holders access to State medical care in the 27 countries of the EU, plus Iceland, Lichtenstein, Norway and Switzerland, which are members of the European Free Trade Area. It gives access to state medical care, and while this is good in many countries, there are variations in standards.

In addition, in some countries patients may have to pay for food or even bedclothes, the same way that the country's citizens do. In Spain many of the hospitals on the coast are private. EHIC will not work in private hospitals. Even in France EHIC does not cover all State medical treatment. Serious conditions that require air ambulance transport home will also incur extra costs often well in excess of £15,000 – air ambulance costs are not covered by the EHIC.

In the USA costs for medical treatment can quickly skyrocket. For those making frequent trips annual travel insurance from a company such as Insure and Away (InsureandAway.co.uk) can be a cost-effective option. Travellers should also remember that travel insurance covers such things as luggage getting lost or damaged and personal items being stolen.

Travel insurance will give holidaymakers access to medical treatment, and all medical expenses up to the limit of the policy will be taken care of, but State medical facilities must always be used where available as would typically be the case in the UK. When it comes to medical travel insurance, it is also important to note that specific groups – such as over-65s or those with existing medical conditions – require policies that provide the appropriate cover.

A spokesperson for Insure and Away said: “Many countries don’t have the same standards of medical care as we enjoy here in the UK, and most treatments must be paid for personally, which is why it’s so crucial to choose comprehensive health insurance before you travel. With any of our medical insurance packages, you won’t be left out of pocket if you’re unexpectedly ill or injured on your holiday.”

Travel insurance is vital, and it is good to put it in place at the time of booking a holiday. Then there is nothing left to do but count down the days to a well-earned break.

About Insure and Away:

Insure and Away specialises in travel insurance cover at affordable prices for anyone travelling in the UK, Europe or worldwide and are an appointed representative of under the Financial Services Conduct Authority Rules. Insure and Away is a travel insurance provider that puts customer service and efficient claim procedures at the heart of its business.

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Brad Knowles
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