Medical Travel Insurance News

All the latest on Travel and Medical Travel Insurance

Cancelling your Easter 'Staycation' can be as Costly as a Holiday Abroad April 2013

INSURANCE COMPANY WARNS OF PITFALLS IN BANKS ĎPACKAGEDí TRAVEL INSURANCE PRODUCTS February 2013

TRAVELLERS' CONFUSION COULD LEAVE THOUSANDS STRANDED ABROAD February 2013

WHY BUYING CHEAP TRAVEL INSURANCE COULD COST YOU DEARLY October 2012

If you are travelling in Europe, an EHIC card is not enough, you will still need travel insurance for Europe September 2012

Know Before You Go campaign: Donít let your winter sports holiday go downhill February 2012

Age Exclusions Forcing Older Travellers to Holiday Uninsured January 2012

Libya Travel Advice (FCO) February 2011

Want to know what would really happen if you got seriously ill while on holiday? December 2010

5 reasons for travellers to declare their medical history before leaving the UK August 2010

Volcanic Ash Disruptions - What happens next? May 2010

Travel Insurance Cover for Volcanic Ash Groundings April 2010

Travelling with a European Health Insurance Card (EHIC) could reduce your travel insurance excess to £0.00 June 2009

Be honest, be covered - three out of five travellers withhold crucial information May 2009

New Government Health checks could mean thousands of UK Holidaymakers will unknowingly travel uninsured this Summer April 2009

Rising Trend of Travelling Without Insurance Maybe Worsened by New Regulation March 2009

Equality Bill could mean many will travel with no cover at all. March 2009

Cost of repatriating travellers taken ill abroad reaches new high. March 2009

Even the most experienced of skiers sometimes return home on crutches. March 2009

All the latest news and information on AllClear Travel

AllClear launches new website September 2013

ALLCLEAR SHORTLISTED IN 2012 CIPR PRIDE AWARDS October 2012

AllClear are finalists in the UK Broker Awards for our medical travel insurance comparison site! September 2012

AllClear Travel wins Essex Customer service Award June 2012

TRAVEL INSURANCE COMPANY CUTS BREAST CANCER RATES FOR THOSE HOLIDAYING ABROAD May 2012

AllClear is at the BIBA Show 2012, to talk about medical travel insurance, following its first year as the appointed provider for the BIBA medical travel scheme May 2012

AllClear supports the Government signposting initiative because we believe that everybody deserves the right to travel April 2012

AllClear removes Age Limit for Its Annual Policies April 2012

Insurance Gets Travellers Blood Pressure Boiling March 2012

Travellers Take Major Risk by neglecting the small print March 2012

Comparison Website for Pre-Existing Medical Conditions Helps 75,000 in First Year January 2012

New agreement to help tackle the growing number of 'uninsurable' travellers January 2012

Local Firm Commended for Customer Service October 2011

AllClear achieves another UK Online Performance Award in 2011 September 2011

The AllClear Group Charity Golf Day fundraising for the Willow Foundation September 2011

AllClear Options addresses consumer frustrations when comparing medical travel insurance! September 2011

AllClear Travel Insurance Comparison Site December 2010

Advantages of Medical Travel Insurance Comparison December 2010

What do you hate about Travel Insurance, and what will AllClear do about it? November 2010

AllClear wins online performance award in 2010 August 2010

AllClear wins online performance award for 2009 May 2010

AllClear Travel welcomes the ban on age discrimination for travellers January 2010

AllClear warns of dangers of opting for travel insurance 'on the cheap' November 2009

AllClear Shortlisted for ITIJ Award October 2009

Worsening economic climate prompts AllClear to protect all travellers' bookings. March 2009

Want to know what would really happen if you got seriously ill while on holiday?

We all hope it won't happen. All we want is a relaxing break away from home, but last year a record number of UK nationals fell ill abroad and needed medical assistance. According to the Association of British Insurers, there was on average more than 7,000 cases a week and insurers paid out a total of £274 million towards the cost of medical treatment for UK travellers.

The British Heart Foundation says that around 700,000 people are living with heart failure in the UK today and every year around 146,000 people suffer a heart attack, some of which will be while on holiday...

So what would it be like if you suffered a heart attack on holiday in Spain?

Well, firstly, someone will hopefully call a doctor or an ambulance and a trip to the nearest hospital with appropriate facilities will be swiftly arranged. They will seek to diagnose, treat and manage your condition and while that is going on, one of the first questions asked of you or your travelling companion will be, What's the name of your Travel Insurer and do you have insurance documents? Having the correct papers to hand will ensure there's no delay but in the event of no information being available, the hospital staff will be contacting all UK Travel Insurance Medical Assistance providers asking them to search their databases for your name and address to find a valid policy.

Once established that cover is in place, the hospital will ask the insurer to guarantee all medical costs. But before the insurer confirms this, they will check all the detail of the policy is valid and correct and whether you have declared any medical conditions. They will, with your consent, contact your home GP to ensure the Spanish doctors have all the necessary background information regarding your health and they will check that you have been accurate and complete in your medical declaration when you bought the policy. Assuming all is in order, costs will be guaranteed and you will receive whatever medical treatment is required.

Spanish speaking medical professionals working for your medical assistance company will be in close contact with the treating doctors to ensure that you are getting the right treatment to get you fit to travel home as soon as you are able. Treatment may continue in Spain until you are fully fit to fly home yourself, or an air ambulance or a medical escort could transfer you back to a UK hospital. This will be a clinical decision made in conjunction with the assistance company doctors and the treating doctors in Spain. In cases like this, the patient is NOT expected to pay out to the hospital and claim back later, all hospital and air ambulance costs are taken care of directly by the insurance company. While it is important to take your European Health Insurance Card (EHIC) with you, state run hospitals are few and far between in Spain, which means medical expenses will often be similar, if not higher, than in private hospitals in the UK. Once you are fit and well and back in the UK there may be other costs you will want to claim for under the policy and the final bill for the insurer could be many tens of thousands of pounds, less any small excess on the policy.

So what would happen if you didn't have travel insurance or had not declared your medical conditions correctly?

Well either you have no contract with an insurer, so you are on your own, or you were not providing all the facts when you entered into the contract, so the insurance company may not guarantee medical costs and you could again be on your own. Early on, the hospital will require some form of guarantee that they are going to be paid before continuing with treatment. They will do their best to keep you comfortable and out of acute danger, but they are less likely to perform expensive procedures or treatment until payment can be secured. You may urgently contact the British Consulate for help but the consulate will only assist in contacting people in the UK on your behalf; they will not pay for, or even guarantee medical costs. Ultimately, whatever treatment is necessary to keep you alive will be carried out, but with a medical expenses bill rising daily. In the worse case, you could have built up debts and not be allowed to leave the country until payment is received by the hospital. Usually your relatives usually find enough between them, even if it means having to take out a bank loan or even sell your house to pay off the debt on your return home. It's a harsh lesson to learn, so make sure you have comprehensive travel insurance in place before travelling.

Taking out a travel policy which meets your specific needs is an important purchase decision but one which many people simply can't be bothered to look at very closely. If you were buying a new car or even a new TV, most would at least read the brochure and perhaps speak to a few people who may know about such things, yet when it comes to insurance the purchase is often based on price alone. If everyone knew about what could happen, perhaps they'd take a closer look at exactly what they're getting before opting for the cheapest.

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