Travel Insurance

Things can go wrong on holiday no matter how careful you are. You could fall ill or have an accident; you could have money or luggage stolen; your visit might be cancelled or cut short through injury or illness; your family may need to fly out to be with you if there is a serious incident. All these risks and more can be covered by taking out travel insurance.

There are bound to be limitations though so having travel insurance shouldn’t be a reason for not taking care and precautions. Exclusions could include injury or death through acts of terrorism or nature; accidents caused through drinking alcohol or engaging in dangerous sports (and the list of these varies from policy to policy); or problems arising from a previous illness that you have not declared to the insurer.


If you are still in doubt as to whether you have to take out travel insurance or if you want to ensure you have adequate cover this list gives you some idea of what it would cost if you need to be returned to the UK in an emergency.

£30-35,000 Air ambulance (Jet) – East coast of USA

£12-16,000 Air ambulance (Jet) – Canaries

£10-12,000 Air ambulance (turbo-prop) – Balearics

£1,200-3,000 Air taxi (propeller driven light aircraft) – Northern France

£15-20,000 Scheduled flight, stretcher and Doctor escort – Australia

£9-12,000 Scheduled flight, seated club, with a nurse escort – West coast of USA

£1,800-4,000 Scheduled flight, seated economy with a Doctor escort – Mediterranean

£100-£800 Scheduled flight, seated economy without an escort – Mediterranean

£3,000-£6,000 Scheduled flight, stretcher and Doctor escort – Mediterranean