5 Situations Your Holiday Travel Insurance Does Not Cover

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The rising cost of hospital treatment in foreign countries can have serious consequences for those who don’t have a holiday travel insurance. The average cost for treatment abroad is $3000 and increases with approximately 6.25% each year. The country with the most expensive inpatient treatments is the US, followed by Thailand and the Canary Islands. Bulgaria is the cheapest country, with an average hospital visit costing $300. The country where tourists required most medical treatment is Greece, followed by Turkey, Mallorca, Ibiza and Minorca.

5 Situations Your Holiday Travel Insurance Does Not Cover 5 Situations Your Holiday Travel Insurance Does Not Cover Pictures


Without a holiday travel insurance, outpatient care in a foreign country can burn a big hole in your travel budget. However, insurance is useful only if it pays out when you need it. Because there are many reasons why your claim might fall, you must make sure the forms are correctly completed.

  • High-risk activities

Usually the excluded high-risk activities list is the one buried deepest in the small print. Although some of these activities do not apply to the majority of travelers, some of them are very common among young adults. Bungee-jumping, parascending, cycle touring, whitewater rafting and even skiing are all considered high-risk.

  • Alcohol consumption

Injuring yourself while under the influence of alcoholic beverages can make your holiday travel insurance useless. The insurer can point to a standard exclusion clause and invalidate claims where alcohol is a factor. This means that you will have to pay for the treatments bills because you shared a bottle of wine over dinner.

  • Claiming too late

Even if you can’t send the documentation right away, it is important to inform your holiday travel insurance provider about a claim as soon as possible, especially about health situations. The insurer has a protocol for arranging health care, except for emergencies, and if you don’t follow it your claim can be invalidated. Make sure you check the policy for specific time limits on notifications and claims.

  • Pre-existing medical conditions

If you fail to declare a pre-existing medical conditions before purchasing a holiday travel insurance, the policy cannot cover any complications that arise. Discuss any illness with your insurer before you buy and ask if an existing injury is covered in case a second accident aggravates it. Moreover, you want to avoid a situation of hospitalization and suffering medical negligence abroad; by presenting a more comprehensive insurance, you will know what services you are entitled to and thus avoid lawsuits and other legal procedures in a foreign country. Making medical negligence claims abroad will be much more difficult than in your own, and the costs can be crippling.

  • Lack of due care

If you do not exercise reasonable care for the safety of yourself and your property, a claim for injury or stolen goods may not be covered by your insurer. The most common situations when this can occur involve baggage left unattended that is not locked in a safety deposit box or in your room if the hotel does not have a safe and baggage stolen from an unattended vehicle, unless it was locked in a luggage area or compartment.