Category Archives: Air Ambulance From Spain

by . SantiMB .

Why does my travel Insurance cost more than my Holiday?

Having worked in the Travel Insurance industry for many years I have often heard the phrase “that’s more than my holiday” when I tell someone the price of their insurance. There seems to be a general misunderstanding of why Travel Insurance is so important. A standard travel insurance policy would include cover for cancellation, emergency medical cover, hospital benefit, personal accident, baggage, money, delayed departure, missed departure and legal expenses. The two most commonly used sections of a travel insurance policy are cancellation/curtailment cover and emergency medical expenses cover. Let’s take a look at these policy benefits individually to see what they actually cover.

Cancellation and Curtailment cover

In most cases you plan and book your holiday in advance, to give you something to look forward to! At the time of booking your trip you would normally purchase your travel insurance as this would provide cancellation cover if you were unable to travel due to a covered event which would normally be if you where ill and unable to travel, had a accident or passed away before your trip, the insurance would then reimburse you for the cost of the holiday up to the policy limit. Do consider that you may have booked your holiday some time in advance and cover would apply from the time of taking out your policy.

Emergency Medical Expenses & Repatriation

This is the most important reason why you need your travel insurance. Emergency medical expenses is usually the biggest and most significant part of a travel insurance policy as it will cover for any emergency medical treatment required whilst you are on your holiday. It’s very difficult for UK residents to envisage how much medical treatment is abroad as we are fortunate to have the NHS and never have to think about how much it costs to treat a broken leg or a heart attack.

To give you an indication here are some estimates of the cost of treatment abroad which have been provided by our claims assistance company.

1 night stay on a Spanish/Turkish hospital ward = £600

1 night stay on a Spanish/Turkey ICU =  £1500

Air Ambulance from Spain = £20,000 / Canaries £25,000

Please consider if you are travelling further afield like the USA the costs will be

1 night stay on an ICU in USA = £5000+

CABG in USA = £20,000 – £50,000 CABG =heart bypass

Air Ambulance from USA = £60,000 – £70,000

As you can see there could be some serious cost’s involved.

You need to bear in mind, that 99% of people will pay their premium for their travel insurance and have a great holiday and not require their travel insurance, however no-one wants to be in the 1% that has a medical emergency, which results in the claim of more than £100, 000 you would then be grateful for paying your travel insurance premium.

Cork twins, Hassan and Hussein Benhaffaf, who were separated by surgeons in London’s Great Ormond Street Hospital, Arrived home to Cork on the 21st of May, just one month after the operation. The twins arrived at Cork airport in an Air Corp Casa aircraft which transported them, their parents Angie and Azzedine and sisters Malika and Iman. The CASA CN-235 is mostly used by the Irish Air Corps for maritime patrol and troop transport but is also can be converted in to an air ambulance. Made in Spain the aircraft is considered one of the most adaptable and capable transport aircraft in the world. The boys were taken to the paediatric unit at Cork University Hospital, and returned home to Carrigtwohill in Co Cork in a matter of days. An Taoiseach Brian Cowen described the boys progress as “very heart warming”. “They have been great battlers since December when they were born,” he said. “We wish them and the family well in the months and years ahead.” The progress made by the twins, who were conjoined at the chest when born, delighted the Great Ormond Street Hospital in London from which they were discharged before the flight on the Air Ambulance: “They are doing really well. They are growing constantly and at a reasonable rate. I have no concerns,” said surgeon, Edward Kiely, who led a team of specialists that operated on the boys for 14 hours. Their parents, Angie and Azzedine Benhaffaf said before the flight: “We are so relieved and so happy to announce that our little …
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