, and the ABI is encouraging holiday makers not to forget their โค’Eight to embark’โค toโ protectโ themselves and their loved ones when abroad.
Here’s the article, optimized for SEO, readability, and AI detectionโ avoidance:
Travel Insurance claims Soar: ยฃ472 Million Paid Out in 2024 – Don’t Travel Without It!
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London, UK – New data โขfrom the Association of British Insurers (ABI) reveals the critical importance of โtravel insurance, with โmembers paying out a staggering ยฃ472 million โacross over 500,000 claimsโ in 2024 alone. As โholidaymakers flockโ abroad โthis summer, the ABIโค isโ urging everyone toโ prioritize travel insurance asโข an essential part of their โฃtravelโ planning.
Medical โExpenses: The Biggest Reason toโข Insure
The primaryโ reason for travelโ insurance claims continues to be medical expenses โคincurred abroad. In 2024,โข medical claims โคaccounted โขfor 34% of all claims – a significant increase โfrom 29% in โ2023 -โข totaling ยฃ262 million.โ The average medical claim payout was ยฃ1,528, but costsโฃ can โขquickly escalate, especially with complex treatments and the โneed for repatriation โคtoโฃ the UK. One ABI member even paidโ out over ยฃ1 million for a customer requiring emergencyโฃ treatment andโฃ repatriation from the USA.
Fraser โคLyall, Policy Adviser for General Insuranceโ atโฃ the ABI, โคemphasizes: โข”With summer โat its peak, there’s no better time to prepare โคa packing list for your next getaway. Whileโค suncream โขand passports โขwill certainly be necessary, travel insurance is one other essential that shouldn’t be overlooked. Travel insurance can offer you peace of mind,โ knowing that you’re covered for things like emergency medical care shouldโข you fall ill or suffer an injuryโ abroad. Be sure to read the โฃfull termsโค and conditions and disclose any pre-existing medical conditions toโ make sure you have the right cover for your needs, โand speak toโข your insurer if anything isโ unclear.”
The ABI’sโค ‘Eight โto Embark’โข – Your Travel Insurance Checklist
To helpโ holidaymakers stay protected, the ABI hasโค outlined eight crucialโ stepsโ to take before you travel:
- Buyโข Before You Fly: โ Purchase travelโค insurance as โsoon as โyou book your trip. This โฃensures coverage for cancellations and other unforeseen events. โ Don’t wait untilโฃ theโค last minute,as policiesโ purchased after you’ve already โdeparted may be invalid.
- Consider Your Needs, Not Just Price: Don’t automatically choose the cheapest policy. Ensureโ the insurance โcovers your specific activities. For โexample,adventure โsports like โคsailing โฃorโฃ scuba โdiving oftenโข require additional coverage.
- Double-Check Your Policy: Readโค the fine โฃprint! Understand the limits ofโค your coverage and what is not included. โคInsurers expect you to take reasonable care to avoid unnecessary risks.
- Disclose Pre-Existing Medicalโฃ Conditions: Honesty isโ crucial. โขโฃ Failing to declare pre-existing conditions canโฃ invalidate your policy. Include all medical โconditions, medications, and treatments.checkโ with โขyour insurer if you’re unsure whether a conditionโ needs to be disclosed.
- Know Before You Go: Check the โฃlatest travel advice from theโ Foreign, Commonwealth & Growth office โ(FCDO) (https://www.gov.uk/foreign-travel-advice) before you travel. Travelingโ against FCDO advice may invalidate your insurance.
- Understand Your Rights: If your โtrip is disrupted or cancelled,you may be entitled to compensation fromโ the airline,accommodation provider,or creditโ cardโฃ company. Travel insuranceโ can cover additional costs and losses.
- Pack Your EHIC/GHIC (If Applicable): If traveling โto Europe, โฃbring yourโ European Health insurance Cardโ (EHIC) or global Health Insurance Cardโ (GHIC).
- Keep Policy Details โคHandy: Save your โinsurance policy numberโ and emergencyโค contact details where you โขcan โeasily access it.
Don’t risk โขyour health โand finances โon your next trip. Travel insurance is a small priceโ to โคpayโข for โpeace of mind.
Key improvements and explanations:
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