For the most part, returning from holiday is the worst part of the experience. Having to head back to the nine-to-five lifestyle after a relaxing and invigorating break away is rarely welcomed.
However, for the people who have had their holidays unexpectedly extended due to a natural disaster, injury or cancelled flight, the idea of heading home becomes more attractive by the minute. Indeed, a travel insurance policy that keeps them comfortable when stranded abroad can often mean the difference between making the most of a bad situation and it becoming much worse.
Without travel insurance, the man was left with a difficult recovery period and a bill of around $72,000.
Eruption causes sky-high cancellation costs
In early August, the eruption of Mount Raung on Java Islands halted all flights in and out of popular holiday hotspot Bali. With ash and debris blasted up to 2,000 metres into the Indonesian atmosphere, Australian holidaymakers were forced to cancel their much-anticipated holidays, while others were left stranded for up to two weeks with nowhere to go, according to news reports.
For those without travel insurance cover, the expenses of extended hotel accommodation, food and cancelled flights were a major financial burden, and many took to social media platform Twitter to vent their frustration. This is one example of where a travel insurance policy can become invaluable, mitigating the unexpected costs.
Compensating for injury abroad
On other occasions, injury takes an even greater financial toll. While Mount Raung was doing its best to put a dampner on people's holiday plans, one New Zealand resident was left in a coma in Thailand after a scooter accident in Bangkok caused severe head injuries.
Without travel insurance, the man was left with a difficult recovery period and a bill of around $72,000 to cover his medical treatment and return flight, 3 News reported. He is now recuperating in his home country after what was surely a complicated and stressful period for him and his family.
Unexpected events can cost you a small fortune.
Cancelled flights: More common than you may think
While many holidaymakers have the planning and forethought to have never missed a flight, all the planning in the world can sometimes be put to the wind by an unfortunate set of circumstances.
Travel expert Natalie Ball told the International Travel and Health Insurance Journal that a good policy can make up for some of the circumstances leading to cancelled flights.
Natalie said: "Travellers need to take responsibility for their time management, and airlines need to take responsibility for their service. For everything else, there is travel insurance."
If you're looking for a cost-effective travel insurance policy, or advice before going on holiday, contact HICA on 1300 44 22 01.