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Young family or friends coming to visit this Summer?

Adequate travel insuranceMake sure they have adequate travel insurance if you don’t want to risk hefty medical bills.

Travelling abroad uninsured can cost thousands if a trip goes wrong. Yet according to new research issued by the Foreign and Commonwealth Office (FCO) and the Association of British Travel Agents (ABTA), more than one in three (38%) young Brits (aged 16-24) think it is unnecessary to take out insurance when they travel overseas, often leaving their families to pick up the pieces.

The findings from research conducted by ABTA come as the British Embassy urges expats living in Portugal to encourage their young visitors to be fully prepared for their visits to Portugal and ensure they are properly covered.

Costs arising from uninsured accidents abroad can be significant, and it is often parents who are presented with an unexpected and large bill with no hope of reclaiming the money. The cost of bailing out a loved one can run into thousands – but despite this, almost half of 16-24 year olds claim the reason they don’t take out insurance is because they are willing to take the risk.

One in five young people think that a European Health Insurance Card (EHIC) acts as a full insurance policy when abroad. In fact, an EHIC only provides access to state medical care in the European Economic Area. It’s important to realise that it excludes any other costs such as getting an individual back to the UK, which can run into thousands.

One in seven (16%) of young people wrongly presume that all their treatment costs will be covered by the UK Government if they have an accident or fall ill while abroad. In reality it is the holidaymaker, their family or their hosts who will likely pick up the bill if a young person is not covered. This can range from £1003 to treat a sprained ankle at a private clinic in a popular holiday resort like Albufeira, to £5,000 for a scheduled flight, stretcher and medical escort from Faro. Serious injuries can also lead to medical bills of thousands of pounds a day which can rapidly escalate to very substantial sums if you are treated at a private hospital.

Simona Demuro, British Consul for Portugal says: “Over the summer, British residents all over Portugal, but particularly in the Algarve, open up their homes to young friends and family visiting from the UK. Accidents and emergencies do happen and it is often you, the host, who ends up having to cover the cost in the first instance if the victim doesn’t have adequate insurance. If you have friends or family coming to visit, especially youngsters, make sure that they take out adequate insurance before they arrive. It is also important that they check that the policy covers them for everything they want to do while on holiday and that they have declared any medical conditions – or the insurance could be invalidated.”

Useful Info

• An EHIC entitles UK residents to state healthcare for medical treatment that becomes necessary during a trip abroad, for example because of illness or an accident. It includes treatment of a pre-existing medical condition that becomes necessary during their visit. It will not cover medical expenses if they are going abroad specifically to have treatment (including giving birth).

• UK residents should be able to get the same treatment as a resident of the country they're visiting. However each country’s healthcare system is slightly different, so an EHIC might not cover everything that would be free on the NHS.

• The EHIC is valid in all European Economic Area (EEA) countries and Switzerland. UK residents may not be able to use the card in some parts of the EEA if state-provided healthcare is not available.

The FCO’s Know Before You Go campaign encourages British nationals to prepare for their foreign travel so they can avoid preventable problems. The campaign targets a number of audiences, from gap year students to package holidaymakers; sports fans to older travellers and people visiting friends and family abroad. The campaign works with around 550 travel industry partners to communicate its messages.
For more information visit www.gov.uk/knowbeforeyougo.

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