This is why travel insurance is important
Are you about to jet off on your summer holidays? The Bahamas? The Caribbean? Or, in the case of this reporter, Margate.
Well, you'll need travel insurance - the only thing worse than waking up in a backstreet Delhi doctor's with stitches in your head is realising that you're not covered and you'll have to foot the medical bill yourself.
The Centre for Economics and Business Research found that accidents account for most holiday insurance claims - 60% to be precise.
Baggage delays made up 19%, cancellations accounted for 21%.
Meanwhile, travel documentation support accounted for 75% of all requests to the FCO.
The research also found some 22% of people have experienced the financial implications of an incident abroad, leaving Britons £543 out of pocket, on average.
For goodness sake, whatever you do, don't be one of the 37% of travellers who still regularly go abroad without travel insurance, with 23% blaming the cost.
But the cost of your medical care if something serious happens while you're away far outweighs that initial price.
According to the study, Thailand has taken the unwanted title
Thailand has taken the unwanted crown of having the most travel insurance claims per total number of visitors from Britain, according to the new annual data.
Health and safety is barely in the Thai vocabulary. There have been a number of recent tragedies in Thailand - including last year's boat accident off Phuket which killed 47 Chinese tourists.
TOP TEN COUNTRIES WITH HIGHEST LEVEL OF RISK ON POST OFFICE INDEX
1 Thailand 5.9
2 New Zealand 5.7
3 Sweden 5.6
4 Israel 5.3
5 Cyprus 5.3
6 Egypt 5.1
7 Japan 5
8 India 5
9 China 4.9
10 Brazil 4.8
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