Five places where travel insurance is a must

Patrick Chong, managing director, Journeys Travel Insurance comments: "Many people are still tempted to scrimp on travel insurance, especially with short trips or visits to 'safe' destinations. But with cheap travel insurance now so widely and easily available, there is really no excuse to travel uninsured, especially given how common insurance claims are for certain destinations. Here are five countries that have some of the highest numbers of insurance claims."


Thailand is the place that is most likely to see visitors making a claim on their travel insurance. Unlike the other countries on this list, no single cause in particular dominates Thailand travel insurance claims, which included a large number of claims for theft, illness, traffic accidents and lost items.


“Only mad dogs and Englishmen go out in the midday sun” is how the old saying goes, and UK residents are famed for overindulging in the sun when travelling abroad. Few people would think that sunburn is worth claiming for on your travel insurance, but severe sunburn and sunstroke are no laughing matter, and can seriously affect your health. Mexico has the highest number of travel insurance claims for overexposure to the sun, so make sure that you pack both a high factor sun cream and your travel insurance policy for any trip to Mexico!

Czech Republic 

The Czech Republic sees the highest number of travel insurance claims for pick pocketing.

South Africa 

South Africa has the most travel insurance claims for muggings and armed robbery, so visitors there should be careful.

Caribbean Islands 

Caribbean Islands feature one particular danger – insect bites. While most insect bites will only be a minor inconvenience, allergic reactions or infected injuries can require professional medical attention, and nothing runs up a bill like uninsured medical expenses abroad. Insect bites may seem like nothing to worry about, but any visitor to the Caribbean should make sure they have good travel insurance in case something goes wrong.

Patrick Chong concludes, “No matter where you are going you should still get some basic, cheap travel insurance at the very least. After all, wherever you are travelling, there’s always the danger of your luggage going AWOL at the airport – especially if you are travelling through Heathrow Terminal 5.”

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Five places where travel insurance is a must
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