Travel insurance premiums reflect medical costs
People holidaying in the US and Canada are faced with the steepest travel insurance costs because medical expenses are so much greater in those countries than they are in Europe.
That is the reasoning given by the Scotsman this week, as to why people are required to pay more for holiday insurance to North America.
Warning that many people - particularly from older generations - are heading abroad without any travel insurance cover, the newspaper suggested several tips to help holidaymakers ensure they find affordable cover.
It recommended that travellers plan ahead and arrange cover as soon as possible and check the small print to see if they are paying for any unnecessary extras that can be removed to reduce premiums.
The newspaper urged holidaymakers to fully disclose any pre-existing medical conditions when buying a policy to avoid complications with claims at a later date.
"Failure to do this could mean you will not be covered in the event of something going wrong and your premiums will have been wasted," it explained.
While the benefits of travel insurance for long-haul trips may seem obvious, it can also be useful for domestic travel.
However, World First Travel Insurance recently found that only one in five people holidaying in the UK take out a policy.
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