Uk Holidaymakers Risking Travel Insurance By Cutting Corners, Allclear Reveals

Published on October 2, 2025

By: Tuhin Sarkar

New investigation from AllClear Travel Insurance has exposed a troubling inclination among UK holidaymakers: a 4th of them are putting themselves astatine superior consequence by not afloat disclosing their aesculapian history erstwhile purchasing recreation insurance. Despite 76% of Brits readying a travel overseas this summer, galore proceed to prioritise costs complete due coverage. This determination could time off travellers susceptible to costly aesculapian bills aliases stranded overseas without nan basal support. As nan recreation manufacture continues to recover, it is clear that galore holidaymakers are cutting corners connected what is basal recreation protection. By disregarding aesculapian disclosures, these individuals are unknowingly jeopardising their information and financial security.

Key Findings of AllClear’s Study connected UK Holidaymakers

AllClear’s study highlights immoderate shocking statistics. The investigation reveals that 21% of travellers pinch aesculapian conditions would recreation without cover. Even much concerning, 30% would opt for nan cheapest security argumentation available, contempt knowing it mightiness exclude their condition. An alarming 25% of group admitted they would not afloat disclose their aesculapian history to unafraid a little premium. Furthermore, 20% of those pinch aesculapian conditions would skip security wholly for short-haul trips. These figures underscore nan vulnerable mindset immoderate holidaymakers person erstwhile it comes to recreation insurance, driven mostly by a desire to trim costs, but perchance leaving them exposed to superior financial risk.

Garry Nelson’s Warning: Cutting Corners connected Insurance is simply a False Economy

Garry Nelson, Head of Corporate Affairs astatine AllClear, has warned that cutting corners connected recreation security is simply a mendacious economy. By failing to state each applicable aesculapian information, travellers are astatine consequence of invalidating their policies. Nelson emphasised that broad cover, including infirmary curen and repatriation, is captious if thing goes incorrect while abroad. According to Nelson, travellers must understand that a lower-cost argumentation whitethorn not connection nan protection they deliberation it does. He stated that declaring afloat aesculapian history ensures that policies are valid and supply existent protection, underscoring nan value of purchasing security that meets individual wellness needs.

AllClear to Travel Podcast Launches to Raise Awareness

In consequence to nan increasing rumor of aesculapian non-disclosure, AllClear has launched nan “AllClear to Travel” podcast, a four-part bid aimed astatine educating holidaymakers connected nan risks of inadequate security coverage. Hosted by Garry Nelson, nan podcast brings together starring experts from nan travel, insurance, and authorities sectors to talk really holidaymakers tin amended protect themselves erstwhile travelling. Each section provides valuable insights connected nan value of aesculapian disclosure, nan hidden dangers of inexpensive policies, and really travellers tin make informed decisions erstwhile purchasing recreation insurance. By spreading consciousness done this podcast, AllClear hopes to empower consumers pinch nan knowledge they request to debar imaginable pitfalls and guarantee a safe, worry-free holiday.

Expert Opinions connected nan Importance of Proper Travel Insurance

The AllClear podcast features master opinions from various sectors of nan recreation and security industries. Graeme Trudgill, CEO of nan British Insurance Brokers’ Association, discussed nan captious domiciled of security brokers successful helping holidaymakers prime nan correct policy. He highlighted that recreation security is 1 of nan astir basal policies to have, particularly erstwhile travelling to countries for illustration nan United States, wherever aesculapian costs tin beryllium astronomical. Trudgill besides emphasised nan request for brokers to supply proposal connected declaring aesculapian conditions, ensuring that travellers are afloat protected.

Sarah Taylor, Deputy Director of nan Consular and Crisis squad astatine nan Foreign, Commonwealth and Development Office, echoed this sentiment, stressing that security should beryllium considered an basal portion of recreation preparation, not an “extra” cost. She explained that while nan authorities offers recreation advice, nan onus is connected nan individual to make judge they are decently insured earlier embarking connected immoderate trip. Taylor besides highlighted nan value of tailoring security to circumstantial recreation needs and activities, ensuring that nan argumentation covers immoderate imaginable aesculapian incidents abroad.

The Disconnect Between Cost and Quality successful Travel Insurance

Mandy Langfield, Director of Publishing astatine ITIJ magazine, shared her insights connected nan disconnect betwixt nan costs of recreation security and nan level of sum that holidaymakers expect. She pointed retired that while group are consenting to salary a premium for high-quality products for illustration TVs and laptops, they often take nan cheapest recreation security argumentation without considering its adequacy. Langfield based on that recreation security is astir wellness and safety, and nan worth of nan sum should not beryllium compromised based connected value alone. For many, nan misunderstanding of what their security covers tin lead to superior consequences if thing goes incorrect while abroad.

The Importance of Speed successful Medical Emergencies Abroad

Alex Mendis, Head of Key Accounts astatine Zurich Insurance, discussed nan value of speedy action erstwhile dealing pinch aesculapian emergencies abroad. He emphasised that erstwhile holidaymakers autumn sick aliases are hospitalised overseas, nan business tin beryllium stressful for some nan individual and their family. Mendis stressed nan request for punctual connection pinch insurers to guarantee that a scheme is put successful place, whether it’s repatriation aliases specialised treatment. He besides highlighted nan world web of support provided by insurers for illustration Zurich, ensuring that travellers person entree to value attraction and assistance erstwhile they request it most. This penetration reinforces nan captious value of having nan correct security successful spot earlier embarking connected world travel.

AllClear’s Non-Disclosure Report: The Growing Trend of Medical Non-Disclosure

The motorboat of nan AllClear to Travel podcast coincides pinch nan merchandise of AllClear’s caller non-disclosure report, which examines nan increasing inclination of aesculapian non-disclosure successful nan UK. The study reveals alarming figures, pinch galore travellers opting to withhold important aesculapian accusation to trim their security premiums. As much UK holidaymakers scheme trips abroad, peculiarly pinch 76% of adults readying to recreation this summer, it is basal that nan manufacture tackles nan rumor of non-disclosure. The investigation recovered that nan highest-risk travellers are often nan ones astir apt to make compromises connected their security cover, starring to unnecessary risks erstwhile travelling abroad.

The Importance of Education and Awareness successful Travel Insurance

The cardinal takeaway from AllClear’s podcast and investigation is nan value of acquisition and consciousness erstwhile it comes to recreation insurance. Holidaymakers must understand nan risks they look by cutting corners connected insurance, peculiarly those pinch pre-existing aesculapian conditions. By taking nan clip to afloat disclose their aesculapian history and acquisition nan correct level of cover, travellers tin guarantee they are protected against unexpected aesculapian expenses aliases emergencies. Travel security should not beryllium viewed arsenic an optional other but arsenic a captious portion of immoderate travel abroad, providing bid of mind and ensuring that travellers tin attraction connected enjoying their vacation alternatively than worrying astir imaginable risks.

Conclusion: A Call for Change successful Travel Insurance Practices

The findings from AllClear’s investigation and nan motorboat of nan “AllClear to Travel” podcast underscore nan request for alteration successful really UK holidaymakers attack recreation insurance. While costs is simply a important factor, it should not travel astatine nan disbursal of capable coverage. By raising consciousness astir nan dangers of non-disclosure and inadequate insurance, AllClear hopes to promote travellers to prioritise their wellness and information erstwhile travelling abroad. The manufacture must activity together to guarantee that holidaymakers are afloat informed and protected, allowing them to bask their travels pinch assurance and security.