The Foreign & Commonwealth Office (FCO) has highlighted the ‘Getaway Gamble’ of travelling overseas without adequate insurance, after data from the Association of British Insurers revealed the average travel insurance medical claim rose by nearly 10% last year.

The FCO is encouraging British nationals to make travel insurance an essential part of their holiday preparation as inadequate cover can cost thousands of pounds if things go wrong.

The average cost of a claim for medical expenses rose to £1,022 in 2014 up from £930 in 2013. This contrasts sharply with the average cost of an annual travel insurance policy, which is £32.


As a part of #TravelAware campaign the FCO is advising travellers to:

- Ensure they have the level of insurance cover required for their needs and any activities planned

- Answer questions about medical history fully and honestly with the insurer

- Bear in mind that travel insurance policies may not cover accidents that occur when someone has not taken reasonable care or had excessive amounts of alcohol

- Carry an up to date European Health Insurance Card (EHIC) if travelling in the European Economic Area, in addition to valid insurance cover

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