Uninsured travellers are putting themselves at serious financial risk if things go wrong overseas, according to recent data from global insurance provider nib Travel. The insurer, part of the nib health insurance group, paid out approximately $26.4 million in medical-related claims over the past six months alone—highlighting just how costly travel emergencies can be.

Among the largest claims was a $1.7 million case in the United States, where a traveller in his 70s suffered a life-threatening aortic dissection. Other major payouts included medical emergencies in Vietnam, France, Indonesia and South Africa, where repatriation and intensive care costs quickly escalated.

“While only a small proportion of travellers ever need to claim, the financial burden when something does go wrong can be overwhelming,” said Dylan Wilkinson, Head of APAC & nib Travel Marketing.

“Nobody plans for a medical emergency while on holiday, but the costs—especially in countries like the United States—can be astronomical.”

The claims data paints a stark picture:

nib Travel policies may cover hospital admissions, emergency evacuation, dental care, and some pre-existing medical conditions. The insurer also provides 24/7 global medical support, including coordination with local hospitals and repatriation services when required.

“It’s easy to underestimate how quickly costs can escalate,” said Wilkinson.

“Without insurance, these types of events could leave travellers facing significant out-of-pocket expenses. The cost of a single serious claim can far exceed the cost of insurance.”