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General Medical Expenses Remains Top Priority For Brits When Booking Travel Insurance

  • 52% of Brits say their main priority is to look for general medical cover.
  • Just over a third of Brits stated that COVID-19 medical expenses cover was a priority.
  • 43% of adults prioritise insurers that cover trip cancellations.

New research* carried out by specialist travel insurers, battleface, has found that the majority (52%) of Brits consider general medical expenses, excluding COVID-19, as the top priority when booking travel insurance. The figure has fallen slightly from November 2020, when 56% stated that general medical expenses was their primary concern, but it remains the key factor for those purchasing travel insurance.

Other priorities when purchasing travel insurance include cover for trip cancellations (43%) and returning home in the case of emergencies (41%). Just over a third (35%) stated that COVID-19 medical care was their top priority, showing general medical issues to be of greater concern to holidaymakers. battleface policies protect against general trip cancellations, emergencies and both COVID-related and general medical expenses for eligible travellers.

Just over a third of Brits purchase travel insurance at the same time as booking their holiday, down slightly from 42% in March 2021. Women are more likely to find insurance at the same time as booking their holiday, with 42% preferring to do this, contrasted with 36% of men. Around a fifth (22%) will book their insurance after they’ve booked their holiday, and 17% will book insurance before they book a holiday.

Katie Crowe, Director of Communications at battleface, comments: “In this environment, it’s not surprising that medical expenses are a top priority for Brits when booking travel insurance, but slips, trips and falls are still major medical issues for travellers – not just COVID. battleface continues to cover both general, and COVID-19 related, medical expenses, giving our customers security when they travel abroad. battleface also protects against general trip cancellations, which is also of high concern for holidaymakers.

For those travelling this summer, make sure your travel insurance also protects you in the event of a change in travel advice by the FCDO. This often invalidates travel policies, meaning if the government advice on travelling to your destination changes, your policy will no longer protect you. battleface policies cover destinations worldwide regardless of their traffic light colour and including those under FCDO advisories against ‘all but essential’ and ’all travel’.”

Quotes

battleface, offers a one-week travel insurance policy to Malta from £20.05 per person for departures in August. This quote is based on a 25-year-old travelling between the 2nd and 9th of August.

battleface, offers a one-week travel insurance policy to Croatia from £24.06 per person for departures in August. This quote is based on a 25-year-old travelling between the 2nd and 9th of August.

The above quotations are for the battleface basic package which includes the following cover**:

  • Medical Expenses & Emergency Evacuation: £5,000,000 (excess £250)
  • Accidental Death & Permanent Total Disability: £50,000
  • Baggage Loss or Delay: £2,000, limited to £250 per single article (excess £250)
  • Personal Money and Passport: £500, limited to £250 in respect of cash (excess £250)
  • Trip Cost Cancellation: £2,000
  • Personal Liability: £500,000

**Benefits offered are applicable per insured  

The cost of travel insurance is determined by several underwriting factors including the traveller’s country of residence, destination, age(s) of traveller(s) and the duration of trip.

 *The study of 2,000 UK adults was carried out between 11 and 15 June by Opinium Research on behalf of travel insurance provider battleface to look at the immediate motivators and barriers to international travel for 2021.

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.