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Brits risking costly mini breaks by skipping travel insurance

Article by Simon Christopher
Posted: 8/4/2011 - Last updated: 8/4/2011
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British holidaymakers are taking unnecessary risks by travelling abroad for short breaks without adequate insurance, a survey suggested this week.

Insurance firm Protect Your Bubble found that 84% of people take out travel insurance for trips of a week or more, but just 48% do so on a European "minibreak."

When those who didn't take out insurance for short trips were asked to explain why, around a third said only going for a few days meant it was a risk worth taking, a third said they were covered by the European Health Insurance Card, and most of the rest said they hadn't even thought about it.

Whether it's a risk worth taking is at least debatable, though with premiums as low as a few pounds and potential costs enormous, skipping travel insurance can certainly be a false economy.

As for the EHIC reasoning, however, it's completely false. An EHIC simply makes sure the holder gets the same medical treatment from state facilities as locals get. Depending on the country, this may still mean paying for treatment. The card doesn't cover the costs of an air ambulance or repatriation. There's no payout for associated expenses such as missing a flight home, or having family members extend their stay to be besides you. And naturally the card offers none of the non-medical benefits of travel insurance such as covering lost or stolen luggage or flight delays.



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