Active discussions

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Do you think holiday insurance is a necessity or a luxury?

359 replies

faithfultoGeorgeMichael · 14/06/2026 12:22

Where I live there are an increasing number of crowd funders every year for people who have an accident on holiday and have no insurance. I have always thought this was a minority of people willing to accept this risk but yesterday I spoke to a younger colleague (I am 51, she is 32) who said that no one she knows ever buys insurance and it is seen as a foolish waste of money to her and her friends.

She is off to Indonesia for a month in August with her children - with no insurance!

YABU: I would go abroad without insurance
YANBU I would only go abroad if I had insurance

OP posts:
CPandme · 14/06/2026 12:27

Necessity and everyone that I’ve ever discussed with has agreed no matter what age. I think drilled in by parents or seeing what has happened to friends or family who didn’t including during Covid.

Original poster
faithfultoGeorgeMichael · 14/06/2026 12:25

Do you think age is a factor?
She said "that's boomer mentality" which I found baffling, but not as baffling as taking 2 under 6's to Indonesia for a month with no insurance.

OP posts:
toastandegg · 14/06/2026 12:25

I’ve only had to use my insurance once (missed flight) but it is worth every penny imo, I can afford a small amount each month or each holiday but could not afford medical treatment abroad

OccasionalHope · 14/06/2026 12:25

If you can’t afford insurance you can’t afford the holiday.

Tomselleckhaskindeyes · 14/06/2026 12:25

An annual policy does not cost much and it means you are covered for small uk trips too. Also if you hospitalised before you are covered.

trendtrend · 14/06/2026 12:24

You 1000% should I have insurance but I assume with some of those with crowdfunders, people didn't realise that certain things aren't covered (e.g., scooter riding). When I went to Bali it cost me £150 (one person, 31, no health conditions) to ensure that I was covered for everything including water sports etc.

PinkEasterbunny · 14/06/2026 12:24

I would never go on holiday without insurance.

tiramisugelato · 14/06/2026 12:24

Necessity. I don't think people should be allowed to travel without it.

Mooselooseinmyhoose · 14/06/2026 12:23

Absolute necessity. Idiotic to go without it for most people unless wealthy enough to pay for care.