Travel Insurance: Avoid the €180,000 Holiday Mistake

The lack of protection affects a worrying proportion of travelers. According to data shared by the program, nearly 43% of holidaymakers take out no insurance policy, despite the risk of disruptions linked to global events or health emergencies. Rebecca Wilcox emphasizes that medical expenses outside national borders quickly reach staggering levels: a broken leg in Spain can cost €30,000, while a simple stomach infection in the United States can exceed €180,000.

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For destinations such as Morocco, carefully reviewing the policy is essential. The expert explains that some policies described as “European” sometimes include Morocco, Tunisia, or Egypt, but this is not a universal rule. It is therefore crucial to check the geographical area covered before departure. In addition, popular activities such as quad biking, common in oasis or desert areas, are often considered high-risk activities and are covered by only a minority of insurers under standard plans.

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Another point requiring caution concerns alcohol consumption, which can become a major exclusion clause. If an accident occurs while alcohol is mentioned in a medical or police report, the insurer may invalidate the compensation claim. This contractual “gray area” calls for particular caution during holiday celebrations. The expert also reminds travelers that insurance must be purchased on the same day as the trip is booked to ensure protection against unforeseen cancellations, such as illness or bereavement.

Maintaining coverage also depends on the ongoing duty of disclosure. Any change in health between signing the policy and the departure date must be reported to the insurer to avoid a refusal of coverage. For travelers with pre-existing medical conditions, it is often preferable to contact specialist companies directly for a tailored quote rather than relying solely on online comparison websites.