by Dale Robinson
-22 August 2025
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Home > Latest News > New figures reveal £472m paid in Travel Insurance claims – can you really afford to travel without cover?
New figures reveal £472m paid in Travel Insurance claims – can you really afford to travel without cover?
The Association of British Insurers (ABI) has released its latest figures, revealing that UK travel insurers paid out £472 million last year to support holidaymakers who faced unexpected emergencies abroad.
More than 500,000 claims were settled, ranging from lost luggage to trip cancellations — but the largest share of payouts went towards covering emergency medical expenses and repatriation.
In fact, medical claims accounted for over a third of all payouts, totalling £262 million, with the average medical claim coming in at £1,528.
Some were much higher, and several ran into six figures – in one case, the bill for emergency treatment and repatriation from the United States exceeded £1 million.
These figures underline just how valuable Travel Insurance can be, and without cover, holidaymakers could be left facing bills that would not only ruin their trip, but have a lasting financial impact.
Rising costs, rising risks
The data comes at a time when the cost of medical treatment abroad continues to rise – particularly in long-haul destinations such as the USA.
While many households are feeling the pinch due to the cost of living, it can be tempting to cut back on extras. But when it comes to Travel Insurance, doing so can be a false economy. Even a straightforward hospital visit overseas can cost thousands of pounds, and arranging transport (often with a medical professional) back to the UK can easily push the total into five or even six figures.
The question travellers should be asking themselves is: can you really afford not to be insured?
ABI’s “Eight to Embark”
To help holidaymakers prepare, the ABI has also published its “Eight to Embark” checklist:
- Buy early – as soon as you book your trip.
- Don’t just buy on price – make sure the cover matches your needs.
- Read the fine print – check for exclusions that might affect your plans.
- Declare all pre-existing medical conditions – or risk invalidating your policy.
- Follow FCDO advice – travelling against advice may not be covered.
- Know your rights – you may have additional protections beyond insurance.
- Pack your GHIC/EHIC – but remember, these are not a substitute for insurance.
- Keep your insurer’s details handy – so you can get help quickly if needed.
Following these steps can give you the confidence that your policy will work for you when you need it most.
Just Travel Cover can help
“At Just Travel Cover, we’ve been helping UK travellers find the right protection for more than 25 years. Every year, we see real examples of how vital Travel Insurance is, and these latest ABI figures highlight the scale of the risks people face, and why cutting back on cover is never worth it. Our role is to help people find the right policy for their needs, so they can enjoy their holidays with peace of mind.”
Dale Robinson, Marketing Director, Just Travel Cover
Peace of mind for every trip
Holidays are about making memories — not worrying about what might go wrong. The ABI’s latest figures are a powerful reminder that Travel Insurance isn’t just another expense to weigh up, but a crucial safeguard against life-changing costs.
So, before you set off on your next adventure, ask yourself: can you really afford not to have Travel Insurance?
At Just Travel Cover, we make finding the right policy simple, affordable and stress-free, so you can focus on what matters — enjoying your trip, knowing you’re protected every step of the way.
Source: ABI
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