Insurance is an important purchase for any trip abroad.


Your credit card accident cover, home insurance, European Health Insurance Card (EHIC) or private health cover is not always sufficient. An emergency abroad can be extremely expensive. If you need to be returned to the UK it could cost you thousands of pounds, unless you are adequately insured:


Did you know it could cost;

•£35-45,000 - air ambulance from USA’s East coast

•£12-16,000 - air ambulance from the Europe

•£15-20,000 - scheduled flight, stretcher and Doctor escort from Australia (figures supplied by FirstAssist Services Ltd)


Remember: the British Embassy or High Commission will not pay for this.



The policy should cover the whole time that you’re away.


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If you are travelling within the European Economic Area you will need an EHIC as well as travel insurance - apply for your free EHIC here:




All insurance policies say that you must take care of your belongings at all times. If you don’t, the policy may not pay out. Take as much care of your property as if it were uninsured.


Lost baggage on flights-Do not rely on compensation from an airline if it loses your luggage. By law, airlines only have to pay a specified minimum value per kilo of lost luggage. This is unlikely to cover the full value of your things.