According to Sainsbury’s Finance, over 50 million domestic holidays are taken by UK residents each year.
The obvious thing that comes to mind when thinking about travel insurance is the medical cover it provides should you become ill or be injured whilst abroad.
It wouldn’t be silly to presume that Britons taking domestic holidays think they don’t need travel insurance because if they get ill or injured they think they will be treated under the National Health Service (NHS) as normal. Of course, they would be right about the NHS part, but possibly wrong about not having a need for travel insurance.
Travel insurance would not be needed by a Briton to cover their NHS treatment in another area of the UK but it could still be considered an essential because things can go wrong no matter where you are on holiday.
- Although you will not need to worry about medical costs, the NHS will not transfer you back to where you live. Your travel insurance policy would have the provision to transfer you to a hospital nearer to your home so that you could be close to family and friends.
- Some travel insurance policies will also provide a set amount of money per day for one person who is ordinarily resident in the UK to stay with or travel to and stay with you if you are hospitalised.
- If you have booked your holiday in advance and take out travel insurance straight after booking, you will be covered if you need to cancel your trip because of illness. This will mean that you can claim back the cost of your holiday on your insurance policy.
- The same should apply if a close family member suddenly becomes ill and it means you need to cancel your trip.
- You may need to cut your trip short (curtailment) if you discover that a family member has suddenly become ill or been seriously injured. Most travel insurance policies would cover the cost of your holiday for the days you miss and the cost of the transport to get you home before your scheduled departure date (if you are flying for example).
- Travel insurance would also provide cover in case your internal flight (if you are flying to/from your destination) is cancelled or delayed.
- While you are on your trip, you may lose a valuable item or have it stolen. Travel insurance would cover this and probably a small amount of cash too in the event of theft or loss.
When you go to buy your travel insurance for your UK holiday, you will probably have to buy a standard European Policy which covers the UK. It is very unlikely that you will be able to get it cheaper on the basis that you won’t need the medical treatment cover.
Click the link to compare travel insurance providers
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