Whether traveling long term or on a short break we never plan to deal with a holiday illness, but as the saying goes it is better to be safe than sorry (although the health insurance marketplaces in the U.S. would have me second guessing that). They’re so confusing. The truth is that accidents do happen, and you do get sick too. Yes, I have gotten sick when traveling the world, three times as I remember, and on the fourth I even had my wisdom tooth extracted in Malaysian Borneo (the link will take you to a video of my dental surgery-for real!).
This guide is designed to help you should you be taken ill or have an accident while traveling abroad. It is divided into two sections: What you should do before you travel, and what to do should you have an accident or be taken ill while overseas.
Prior to Travel
Collect Information on Your Destination Countries
Checking the Foreign and Commonwealth Office (FCO) in the UK, the Center for Disease Control and Prevention in the USA or your country’s health website should be the first thing you do before traveling. It contains a wealth of information on your destination country including climate, including hurricane season information, political situation, crime, culture and law, and information on terrorism.
To find out if you need to be vaccinated and against what disease you should check the National Travel and Health Network Center website (NATHNAC) in the UK or the CDC site mentioned above in the USA. These sites will tell you what diseases you need to be vaccinated for, and just as importantly what diseases you can’t be vaccinated for, as well as any typical holiday illness you might find in the area.
The NHS website is worth a check to especially if you are traveling outside of Europe. Some countries might have a reciprocal health care agreement with yours, and your country’s website lists all the countries which have signed up to the scheme.
The scheme entails that you receive health care should you need it for free or at a reduced cost. The standards maybe lower than what you have in your counrty.
Obtain Travel Insurance Suitable for Your Trip
Travel insurance is a must have for your trip (especially if traveling long term), and you should choose a policy which is right for your travel group and what you are planning to do. It is strongly advisable that you opt for the best cover you can afford, and you tell the travel insurance company precisely what you are planning to do on your trip. If you miss anything out you may not be covered for certain activities which could prove disastrous should the worst happen. Travel insurance may not only cover health costs that might appear, but stolen property or damaged goods.
If your trip is located in Europe then you should also obtain the European Health Insurance Card (EHIC). This card gives you the same health care provision as a national of the country you are staying in.
Though it will cover the cost of some treatments, it will not cover all your costs and travel insurance is still required for your trip.
Ensure You Have Your Embassy Information
Always ensure you have the contact details of your Embassies in your destination countries. You will need to contact the respective embassy should you be hospitalized on your trip.
What if I’m Taken Ill While on Holiday?
Knowing what to do if and when the moment arrives is the best you can hope for, so these steps will ensure you are following the appropriate ones and that any claim with your travel insurance provider cannot be grounded on behalf of not following procedures.
Contact Your Tour Operator or Hotel Staff
If you arranged your travel plans via a tour operator, you should contact your representative immediately. They will be able to arrange a visit to a doctor or at the very least give you contact details of a nearby doctor.
If your illness was the fault of the hotel you were staying in, then under the Package Travel Regulations, the tour operator company is responsible for your welfare. Providing you can prove the hotel was negligent and this made you ill, you should be able to claim compensation for any losses you experience.
If you arranged your own accommodation then you are not covered under the Package Travel Regulations. Contact the hotel staff who should be able at the very least to provide the details of a doctor you can visit.
Regardless of how you arranged your holiday you will in most instances have to pay medical bills upfront.
Non Debilitating Holiday Illness
If your illness has not hospitalized you, and the doctor you have seen has not recommended returning to the UK, you will probably have incurred losses in some way, and not just on medical bills.
If you have had to cancel excursions or have picked up unplanned travel costs due to your illness, you may be able to claim compensation for these if you traveled with a tour operator. To that end it is worth keeping all receipts related to your illness.
If you have arranged the accommodation yourself, the only way you will be able to claim compensation is if you can prove a party’s negligence was responsible for your illness. Keep all the receipts related to your illness regardless if you can prove negligence or not, as you will need the receipts to claim on your travel insurance.
Claiming Against your Travel Insurance
Normally, you claim against your travel insurance retrospectively by completing a claim form and providing related documentation such as receipts. Most travel insurance companies provide a guide on how to claim. Follow this guide to the letter.
What should I do if I have an Accident While on Holiday?
Should you be involved in an accident while on holiday, try and take the following action:
- Report the accident to the relevant people. Hotel managers, tour operators, possibly the police depending on what happened. All should be notified.
- Ensure the details of the accident go into the accident book. Hotels should have one of these
- Take the contact details of anyone who witnessed the accident.
- Take photographs of the accident scene. This will provide evidence of what happened. Concentrate on any damage that may have occurred.
- Ensure any visits to clinics, doctors, hospitals, and any missed excursions due to the accident are recorded.
- If your accident happened in your hotel and you booked via a tour operator company, then the Package Travel Regulations apply. If you can prove negligence on the part of the hotel, then you can claim compensation in the same way as if you were taken ill.
Any medical bills will probably have to be paid for by you in the first instance. The EHIC or reciprocal health care agreements if applicable may help to reduce this cost, but no matter what happens make sure you keep ALL your receipts.
What should I do if I’m hospitalized?
If you are hospitalized you should do the following:
- Contact your embassy – They will contact you within 24 hours after contact and inform your friends and family of your circumstances. They will contact your travel insurance company as well, and if necessary they will visit you within 48 hours.
- Check your travel insurance policy to see if it covers you for a flight back home
The chances are that hospital bills will have to be paid by you in the first instance though this can be reduced if a reciprocal health care agreement operates or you have an EHIC and are in Europe.
Depending on your circumstances you may be entitled to compensation for your ruined trip. There are solicitors that specialize in travel claims and can help you make a successful claim. Some work on a no win no fee basis.
Hopefully, you will not need any of these services and have memorable trip.
Package Travel Regulations http://www.legislation.gov.uk/uksi/1992/3288/contents/made
Foreign and Commonwealth Office http://www.fco.gov.uk
National Travel and Health Network and Centre (NATHNAC) http://www.nathnac.org/index.htm
European Health Insurance Card Application https://www.apply-ehic.org/index.php
Center for Disease Control and Prevention http://wwwnc.cdc.gov/travel/
Travel Services of the US Department of State http://travel.state.gov/
Australian Government Department of Immigration and Citizenship http://www.immi.gov.au/
Health Canada for Travelers http://travel.gc.ca/
Have you ever head a holiday illness or been injured when traveling abroad? What happened and how did you deal with it? Share your experience in the comments section below as well as any thoughts you have on this post, as well as the post using the social media buttons if you think other people might find it useful!