Planning a holiday to Kenya? Don’t forget your travel insurance.

This Saturday (9 January) is forecast to be one of the most popular days in the calendar for British nationals to book their holiday breaks this year.

Sunshine Saturday

‘Sunshine Saturday’ is a 24 hour period during which tour operators will be offering a host of tempting deals and discounts, with millions of people expected to take advantage of the bargains of offer and look to grab a cut-price getaway.

To help British nationals who may be planning holidays in Kenya and elsewhere, the UK and Commonwealth Office are advising travellers to research the right insurance options, understand the potential costs of not being adequately insured and give detailed and accurate medical histories to insurers.

On their advice page, the government states when travelling overseas, it is important to take out travel insurance and give two examples of when emergency medical treatment abroad can be extremely expensive:

  • A stomach bug/infection treated in a Californian hospital with return flights cost £100,000
  • A fall resulting in a broken hip, treatment in a Spanish hospital with return flights cost £15,000

They reiterate that the British Embassy or High Commission will not pay for your health care and travellers’ credit card accident cover, home insurance or private health cover is not always sufficient.

Emergency medical cover

The main purpose of travel insurance is to cover you for the potentially high cost of medical treatment and repatriation if you are injured or fall ill abroad. This should include:

  • emergency medical treatment costs, including hospital charges and ambulance fees
  • returning you home following medical treatment abroad if you cannot use your original ticket
  • reasonable additional transport and/or accommodation expenses for a close relative or friend to stay with you or travel from the UK to escort you if required
  • temporary emergency dental treatment for the relief of immediate pain
  • 24 hours assistance helplines to offer support and advice about appropriate treatment

It is important to remember that you must answer any questions from your insurer about your medical history fully and honestly. Withholding details of your medical history may mean you are not fully covered.

For more information, visit the British government’s Foreign Travel Insurance Page.