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Bon Voyage – but don't forget the insurance!

As you head towards summer and make arrangements for that long-awaited holiday, don't forget to take out holiday insurance! Uninsured British travellers who fall ill on holiday this summer could face an average extra £900 holiday bill, warns the ABI (Association of British Insurers).

Falling ill whilst on holiday has to be a big fear for any traveller, yet many people play Russian Roulette by not protecting themselves against mortgage-sized expensive medical bills: abroad, some relatively simple operations can cost around £20,000.

If you are travelling within Europe, it is not wise to rely totally on the European Health Insurance Card (EHIC) – whilst it will pay for the cost of treatment, it may not cover everything that would be free on the NHS and will NOT cover the cost of repatriation to the UK. It is, however, very important to hold an EHIC, and you can obtain one free of charge at www.ehic.com . Make sure you visit the official site and do not be duped into paying for this card by unscrupulous providers – it is TOTALLY free! Only 46% of people realise that we are entitled to state-provided healthcare in Europe – and remember too that the EHIC is only valid for 5 years, so check the expiry date before you leave home.

Some 5,000 claims are processed by the insurance industry each week from travellers who have fallen ill abroad, so sadly the odds of being ill are not that small. Research indicates that 16% of people mistakenly believe the UK government will pay for their care if they fall ill abroad – it is not so!

It is tempting, perhaps, to consider not buying travel insurance, taking a risk and putting the money you would spend on the insurance premium towards your spending money. Don't even think about it, it is too big a risk to take. Pick up the phone and talk to us instead! We will shop around to find the best deal to suit your pocket – and your destination, and you can then go on holiday with no worries at all. Have a lovely time – and send us a postcard, please!

Contact Westhill Insurance Services, today.

Posted on 21st May, 2013