Even policies that don’t explicitly state the rules can still refuse to pay out if you have been drinking
A woman with a mojito by the pool
Anyone planning a foreign holiday this year has been warned that one of the most common travel pastimes could invalidate your insurance. According to insurance experts at Goodtogo, a blood alcohol level of more than 0.19 is enough to void many travel insurance policies, which is roughly equal to four pints of beer or four medium glasses of wine.
Grant Winter, compliance expert at Goodtogo, said: “Most travellers would never imagine that enjoying a few drinks on holiday could invalidate their policy, but the reality is that insurers take alcohol impairment very seriously.
“If alcohol is judged to have contributed to an accident or injury and your level is above the threshold set out in the policy, your claim may be declined. Even policies without a fixed limit refer to serious impairment and use very similar benchmarks.”
Grant added: “The safest approach is simple. Enjoy your holiday, but keep your consumption moderate and be aware that even one misjudged moment can put your entire policy at risk. This is particularly important if you’re heading away on a sun-filled summer trip, as hot weather can affect you more in the heat.
“The same is true if you treat yourself to some celebratory drinks before or during your flight, as altitude can increase the effect of alcohol. If you find yourself needing to claim for injury, lost property, or because you were denied boarding due to alcohol consumption, your insurer is likely to deny your claim.
“To avoid any potential issues, be conscious of your alcohol consumption, and ensure you’re drinking plenty of water to keep yourself hydrated. You should also avoid consuming alcohol if you plan to do any kind of activity, as even fairly moderate activities can cause issues if you’re slightly impaired by alcohol.”
