Why Travel Insurance Matters More Than You Think
You’ve booked the flights, picked the perfect hotel, and started counting down the days. But before you throw your suitcase on the bed and start packing, ask yourself one thing—have you sorted your travel insurance?
It’s not the most exciting part of your travel checklist, but it’s arguably one of the most important. Travel insurance doesn’t just cover lost bags or dodgy buffets. It protects you when things go seriously wrong, from cancelled trips to emergency medical care abroad. And yet, far too many travellers skip it—or go for the cheapest policy they can find—without really knowing what’s included.
Let’s break down why travel insurance is worth having, what it actually covers, and why it’s especially important if you’re older or living with medical conditions.
So, Why Bother With Travel Insurance?
Because holidays don’t always go to plan. Travel insurance acts as your backup when something throws your plans off course. Whether it’s a cancelled flight, stolen passport, unexpected illness, or natural disaster, a good policy helps you recover financially—and logistically.
One of the biggest reasons people claim is for medical emergencies. If you fall ill or get injured abroad, the costs can be enormous. We’re talking thousands—even tens of thousands—especially in places like the USA or the Caribbean. Most policies will cover hospital stays, ambulance services, emergency treatment, and if needed, flying you back to the UK for further care.
Then there’s cancellation cover. If something unexpected stops you from travelling, travel insurance can help recover the cost of flights, hotels, or excursions that would otherwise be non-refundable.
Lost or delayed baggage? That’s another common one. Most insurers will cover the cost of essentials like clothes or toiletries while your bag is AWOL, or reimburse you if it’s gone for good.
And don’t forget legal cover. If you’re involved in an accident or face legal trouble while abroad, travel insurance can step in to help cover your costs or protect you from a financial hit.
Medical Conditions? Be Honest Upfront
If you have a pre-existing medical condition—like asthma, diabetes, or high blood pressure—you need to declare it when you take out a policy. Yes, it might push the price up. But not disclosing it could mean your entire policy is void if you need to claim later.
There are specialist insurers who offer policies tailored to people with long-term conditions. They ask a few more questions, and the premiums can be a bit higher, but it’s worth it for the peace of mind. You’re getting cover that actually matches your situation.
Travel Insurance for Older Travellers
As we get older, our health becomes a bigger consideration—especially when travelling. That’s why travel insurance for older adults isn’t just helpful; it’s essential.
Finding decent travel insurance for over 80s can be more difficult, and yes, it usually costs more. But that’s because the risk of needing medical treatment abroad increases with age. The good news? There are insurers who specialise in this area and understand the needs of older travellers.
Whether you’re in good health or managing a few conditions, the key is transparency. Declare any ongoing medical issues, recent tests, or medications—even if they seem minor. Failing to do so could lead to your claim being rejected, even if the condition isn’t directly linked to the reason you’re claiming.
If you’re over 80, you’ll want to make sure your policy includes:
- Medical cover of at least £5 million
- Repatriation to the UK if needed
- Cover for pre-existing conditions, if declared and accepted
- Reasonable excess charges
- Support while you’re away, including a 24/7 emergency helpline
And remember, cheapest doesn’t always mean best. Focus on the quality of the cover, not just the price. If you’re unsure, speak to a broker who can match you with a policy that fits.
What Travel Insurance Doesn’t Cover
Travel insurance can do a lot—but it’s not a catch-all. Most policies won’t cover things like:
- Travelling against Foreign Office advice
- Reckless behaviour (like drink-related incidents or breaking local laws)
- Pre-existing conditions you didn’t declare
- Extreme sports or high-risk activities (unless you’ve got the right add-on)
- Cancelling your trip just because you’ve changed your mind
Always read the fine print so you know what’s excluded. That way, there are no nasty surprises if you need to make a claim.
The Real Cost of Not Having It
Still thinking of skipping it? Ask yourself—could you afford a £10,000 hospital bill? What about the cost of flying a loved one out to be with you in an emergency? Or rebooking your return flight if you’re forced to stay longer?
Without travel insurance, you’re on the hook for all of it. And let’s face it, most of us don’t have that kind of spare cash lying around.
Travel insurance is one of those things you hope you never need—but if you do, you’ll be glad it’s there.
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