Purchasing Travel Insurance does not have to be challenging provided that you know precisely what you are paying for and consequently the extent of your cover. What is worrying travellers this year is the possibility of exclusion from their insurance policies should an incident occur while under the influence of alcohol or non-prescription drugs.

It is not uncommon for people to drink alcohol when travelling overseas nor is it unknown for ‘recreational’ drugs to be taken. In both cases, as we know, incidents can occur that result in some form of injury to those involved and subsequently claims are made, typically to cover all or part of any medical fees. Now, however, insurers are less keen to pay for things like personal injury, loss of or damage to property and so on due to the amount of cases in which excessive alcohol consumption is involved.

According to recent research of the British Insurance Brokers’ Association (BIBA) travellers could invalidate their policies by ignoring the exclusions that have been strengthened by many insurers in recent years. BIBA wants holidaymakers to understand the seriousness of exclusion clauses such as “excessive alcohol intake” and “drinking so much alcohol that your judgement is seriously affected” and wishes to warn of certain policies which reject “any claims that result from using alcohol”.

It is always worth establishing what you are/are not insured for before getting carried away with the excitement of being on holiday. Graeme Trudgill, BIBA’s Head of Corporate Affairs, said “We believe that travellers will be surprised that there is such a variety of exclusions within policies and they need to understand what level of alcohol could invalidate a claim and if excessive, it almost certainly will.”

BIBA’s research comes at a time when the average cost for medical treatment overseas is £2,040 (2011).

We are aware of the importance of cover when abroad and we strive to offer a range of competitive travel insurance policies to suit first time and seasoned travellers alike.