You probably know it could spare you the expense of an emergency abroad - but it could also be the best thing you’ve ever done for your family’s health.
Dr Lynn Gordon, chief medical officer at CEGA, a Charles Taylor Company, explains why family travel insurance can be good for your health:
Travel insurance ensures you get the right medical care abroad
If one of the family has a medical emergency abroad and is covered by travel insurance, doctors and travel organisers in the UK will manage their case. They will find out exactly what treatment is needed, arrange emergency transport to the most suitable hospital, and oversee medical care. They will also manage accommodation and travel plans for the rest of the family, so they can stay close by. An emergency abroad without this support could leave you out of pocket and with inferior care.
It gives you access to fast treatment
Travel insurance is a payment guarantee for hospitals abroad - ensuring no time is wasted when it comes to starting medical treatment. Even if you’re in Europe with a European Health Insurance Card (EHIC) you may still have to offer a payment guarantee. The EHIC, which is valid until we formally leave the EU, covers basic costs in public hospitals - but it won’t cover any bills at all in private hospitals.
It helps you understand what’s going on
It may be hard to communicate with doctors and nurses in a foreign hospital, thousands of miles from home. You may want to talk about your child’s medications, or an allergy to penicillin. And the right treatment could depend on doctors’ knowledge of an existing medical condition. Any misunderstandings could have serious consequences. But rest assured, a good travel insurance policy will give you access to translation services in a wide range of languages.
It gets you repatriated safely
Family travel insurance entitles every member of the family to repatriation if they need to get home for urgent medical treatment or for recuperation. Without insurance, you may have the stress of organising and paying for repatriation yourselves. You may not know where to turn and you could lose crucial time trying to find out - which could be fatal if you’re in a country with limited medical care. Bear in mind too that the European Health Insurance Card (EHIC) doesn’t cover the cost of repatriation from Europe.