Holidays are meant to be restorative — long lunches under the sun, winding backstreets to wander, beaches to lose track of time on. Yet sometimes, what begins as a dream escape can take a sharp, unwelcome turn. A slip on a marble hotel floor, a tumble off a bike in the hills, a surprise encounter with food poisoning that’s anything but local flavour.

It’s the scenario no one plans for: getting injured while far from home. But a little preparation (and knowing who to call) can make the difference between panic and peace of mind.

The Reality: Injuries Happen More Often Than You Think

Travel invites unpredictability — it’s part of its charm and its challenge. Whether you’re trekking up Ben Nevis, sampling street food in Bangkok, or simply crossing a cobbled piazza in Rome, accidents can happen in seconds.

Here are the most common travel mishaps — and how to avoid them:

Slips, Trips, and Falls

Hotel lobbies, pool decks, and unfamiliar pavements all pose risks. One distracted glance at your phone or hurried step between sunbeds can leave you limping through the rest of your holiday. Move slowly. Look up and around. Holidays shouldn’t be rushed.

Road Accidents Abroad

Driving overseas can be disorienting. New road signs, opposite-side driving, or local habits (some charmingly chaotic) take adjusting to. Before setting off, read up on local laws and insurance cover. And if it feels unsafe, choose public transport — better to enjoy the view from the passenger seat than navigate unfamiliar rules in a panic.

RAC offers comprehensive European breakdown cover and travel insurance that can help you get back on track quickly if something goes wrong on the road. From roadside repairs to onward travel support, having that safety net makes all the difference when you’re far from home.

Sporting Injuries on Adventure Holidays

From ski slopes to surf schools, adventure holidays come with extra risks — but also extraordinary memories. Always check that your travel insurance covers high-risk sports before you set off. Equipment hire centres should provide helmets and proper gear; if they don’t, walk away. No experience is worth gambling your safety on.

Sunstroke and Heat Exhaustion

We’ve all been there: “Just five more minutes in the sun.” But intense heat and dehydration sneak up quickly. Protect yourself with SPF, loose clothing, and plenty of water. Seek shade when your skin starts to sizzle. Heatstroke can strike even the most seasoned traveller.

What to Do If You’re Injured While Travelling

If things go wrong, here’s how to stay calm and get the help you need:

1. Seek medical attention immediately.

Call local emergency services or head straight to the nearest hospital or clinic. In most countries, numbers like 112, 911, or 999 will connect automatically.

2. Contact your travel insurer.

Your insurance provider should be notified as soon as possible — ideally before receiving non-urgent treatment — to make sure all costs are covered. Keep copies of medical reports, receipts, and any prescriptions.

3. Notify your embassy or consulate.

They can help if you’ve been involved in a serious accident, a crime, or if you’re struggling to access local care. Having their number saved in your phone before you travel is a small act of foresight that pays off in emergencies.

4. Report the incident.

If the injury happened in your hotel, on an excursion, or as part of a package holiday, inform the tour operator and local authorities. Request written reports — they’ll be vital if you later need to claim through insurance.

Preparing Before You Travel

The best defence against disaster is preparation. Check your insurance covers everything you plan to do — from diving to driving. Keep digital and printed copies of your policy, passport, and embassy contact details. Share your itinerary with a friend or relative at home. And always have a small first-aid kit on hand — you’ll be surprised how often it comes in handy.

For European trips, remember that a GHIC (Global Health Insurance Card) or valid EHIC can cover certain medical treatments, but they’re not a substitute for travel insurance.

If you’re driving abroad, consider RAC European Breakdown Cover, which provides 24/7 assistance, onward travel, and repatriation services — reassuringly practical when you’re miles from home and plans go awry.

Essential Holiday Safety Checklist

Before heading off on your holiday, it’s worth taking a moment to make sure you have all the essentials for peace of mind. Keep copies of your passport and travel insurance documents handy, alongside local emergency numbers and the details of your nearest embassy. Pack a small first aid kit with plasters, pain relief, antiseptic wipes, and any personal medication you might need. Staying hydrated and protected from the sun is crucial, so bring a reusable water bottle, sunscreen, a hat, and sunglasses. Familiarise yourself with local hospitals, pharmacies, and transport options in case of an emergency, and make sure your phone is charged, with maps available offline just in case you lose signal. Keeping these essentials together will make dealing with any unexpected mishaps far less stressful. 

Adventure & Active Travel Safety Checklist

For those planning more active holidays — whether skiing, hiking, cycling, or water sports — preparation is key. Make sure you have the right protective gear, from helmets and life jackets to suitable footwear. Check the weather forecast and be aware of the terrain or trails before setting out, and let someone know your plans and expected return time. Carry a whistle, mobile alert system, or GPS tracker in case you need to signal for help. Double-check that your travel insurance covers adventure activities and medical evacuation if required. Finally, familiarise yourself with any local rules or regulations relating to your activity, as well as any safety guidelines, so you can enjoy your adventure with confidence.

The Takeaway

Accidents abroad can feel frightening — not just because of pain or cost, but because you’re far from familiar systems and language. Staying calm, keeping your paperwork in order, and knowing your next step will help you regain control fast.

The goal isn’t to travel fearfully — it’s to travel wisely. Adventure is still out there waiting. Just tuck a little preparedness in your suitcase alongside the sunscreen and paperback.

FAQ: Travel Injury Essentials

Do I need travel insurance for adventure holidays?

Yes. Standard travel insurance rarely covers activities like skiing, scuba diving, or hiking at altitude. Always check your policy for exclusions and consider a specialist plan if you’re planning something adventurous.

What’s the fastest way to contact my embassy?

Save the number in your phone before you go, and keep a written copy in your wallet or passport cover. In emergencies, local authorities or hospital staff can also help you reach your embassy or consulate.

Does RAC offer help abroad?

Yes — RAC European Breakdown Cover and Travel Insurance can assist with emergency repairs, onward travel, or even medical repatriation if needed. Having reliable cover means you’re not left stranded if something goes wrong.

What documents should I keep with me while travelling?

Keep digital and paper copies of your passport, travel insurance policy, and emergency contacts. Store them separately from the originals — one in your bag, one in your email or secure cloud storage.

How can I find a reputable hospital or doctor abroad?

Your insurer, hotel reception, or local embassy can direct you to trusted medical facilities. Some travel insurance apps also have locator tools or 24-hour helplines that recommend approved clinics.

Can I get treatment abroad without paying upfront?

It depends on where you are and the terms of your insurance. In the EU, a GHIC or EHIC can reduce or eliminate some medical costs, but in most destinations, you’ll need to pay first and reclaim expenses later.

What should I do if my medication is lost or damaged?

Bring prescriptions or a note from your GP listing your medications and dosages. Pharmacies abroad can often issue replacements if you can show proof. If not, contact your insurer or embassy for local advice.

Should I still travel if I’m injured or unwell before departure?

Check with your doctor and insurer first. Some policies won’t cover pre-existing conditions unless declared. If in doubt, postpone — it’s better to recover fully than risk worsening an injury far from home.

What happens if I’m injured while driving abroad?

First, make sure everyone is safe and call local emergency services. Contact your insurer and, if you have it, RAC European Breakdown Cover for roadside support or repatriation. Avoid signing unfamiliar documents until you understand them — embassies can provide translation assistance if needed.

Can I claim compensation if my trip is cut short due to injury?

In many cases, yes — travel insurance can reimburse unused portions of your trip or cover the cost of returning home early. Always keep receipts and documentation of your medical treatment and travel changes.

How do I avoid getting sunstroke or dehydration when travelling?

Simple measures make a huge difference: drink water regularly, take breaks from direct sun, and wear a hat and lightweight clothing. Symptoms like dizziness, headache, or nausea are signs to seek shade and hydrate immediately.

Are there specific numbers for emergencies abroad?

Across most of Europe, dial 112 for emergency services. In the USA and Canada, it’s 911. These numbers will connect you to local responders and can often handle calls in English.

Do I need separate insurance if I’m travelling in the UK?

You won’t need medical cover for the NHS, but UK-based breakdown cover (like RAC) and cancellation protection can still be useful for domestic trips — especially for road journeys, car hire, or staycations.

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