Back pain

Anyone trying to avoid the payment may face much higher fees

Millions of people face the prospect of having to pay an extra £1,000 if they want to take a holiday abroad in 2026.

One in five people on NHS waiting lists plan to holiday abroad without travel insurance, according to a recent survey, risking falling ill overseas and incurring hefty healthcare fees. There are currently more than 7.1million adults waiting for consultant-led treatment – and a further 1.7million waiting for a diagnosis – with many unable to take out insurance policies due to the high cost.

Of the 95% who are on, or have been on, a waiting list in the last three years and refuse to miss their holiday, 15% have paid up to £1,000 extra to ensure they’re protected. Many insurers keep their premiums low by not covering existing medical conditions, meaning patients on waiting lists with potentially serious conditions will need to take out specialist cover.

Those waiting for a condition to be diagnosed will find it particularly difficult to find appropriate travel insurance – and one in four plan to holiday without the correct cover. One in 20 currently waiting to be seen by the NHS have found accessing specialist travel insurance so difficult, or so expensive, they haven’t holidayed abroad because of it.

The poll of 2,034 adults commissioned by Wellsoon from Practice Plus Group found adults with hernias are the most likely to holiday without the correct cover, followed by those with cancer. The hardest conditions to find insurance for are heart or blood pressure issues followed by musculoskeletal issues including arthritis, hip or knee pain, back pain, neck or shoulder pain.

A spokesperson for Practice Plus Group said: “It’s a story we hear regularly from people who have a health issue they want to be addressed before they go on holiday, but they’re on a waiting list. They’re worried about going away when they’re in limbo, potentially needing to seek medical help a long way from home and not knowing how much it might cost.

In April 2021, the Financial Conduct Authority introduced new requirements to help consumers with more serious pre-existing medical conditions (PEMCs) better navigate the travel insurance market. Firms that sell travel insurance are required to signpost consumers to one of two directories of specialist firms that provide this type of insurance – one of which is the MoneyHelper directory, provided by the Money and Pensions Service.

A spokesperson from the Money and Pensions Service, which provides a directory of specialist firms that offer travel insurance for pre-existing conditions, said: “If you have a pre-existing health condition you must disclose this to your insurer. Otherwise, when you come to make a claim, it could be rejected.

“Depending on your circumstances, you may be asked to complete a medical exam. This will allow insurance providers to tailor your travel insurance policy to cover your needs. Taking specialist medical travel insurance will give you peace of mind that your medical condition is covered in the event of a claim.

“Our MoneyHelper service provides contact details of companies which specialise in this.”

Vernon, who has two daughters with former Strictly host Tess Daly, explained that “your babies will always be your babies” and highlighted a horrifying scenario for parents

Vernon Kay has opened up about a family change he and his wife “don’t want” as he confessed that their dynamic is changing. Vernon, who is married to former Strictly Come Dancing host Tess Daly, shared his thoughts while reflecting on his evolving relationship with their two daughters, Phoebe, 21, and Amber, 16.

The couple exchanged vows at St Mary’s Church in Horwich back in 2003 and now reside in Buckinghamshire with Amber, while Phoebe has headed to New York to pursue her studies. Vernon and Tess, like many parents, have spoken about their daughters spreading their wings and becoming “independent”, yet it appears that, deep down, neither parent is truly ready to let go.

Vernon revealed he has had to figure out how to “enter their world” — a world with certain “pitfalls” that he and Tess never encountered — including one particularly alarming modern-day concern. In a recent interview, he noted that “your babies will always be your babies”, while acknowledging that today’s world brings with it an issue of which they are “acutely aware”.

Vernon told The Times: “Now that Phoebe is 21 and Amber is nearly 17, our relationship with them is changing. We talk about encouraging them to leave the nest and be independent, but we don’t really want them to. You have to learn to enter their world and that world has pitfalls that just didn’t exist for us.

“When Phoebe started going out, we became acutely aware of drink spiking. I think that just didn’t happen in the Nineties.” Last month, Phoebe shared her relocation to the Big Apple via TikTok, posting a clip of herself dancing against the New York skyline, including views of the Empire State Building.

She wrote: “NYC has my hearttt! Lucky to call it home for a while.” Her parents travelled to the US earlier this year to visit her, with Tess documenting the trip on Instagram, featuring snaps of a pancake breakfast and visits to art galleries. Tess, who lived in New York during the 1990s, said: “I love NYC. Maximised every minute on a whirlwind half-term trip and fell in love with this magical city all over again.”

Meanwhile, Vernon’s BBC Radio 2 co-star recently issued an apology to Tess on air. Vernon has been suffering from a bad back and has been struggling to keep on top of household jobs. In the segment, he informed colleague Gary Davies about his intentions to visit a chiropractor and how he’d been “getting the garden ready”.

Vernon explained: “Chiropractor this afternoon… I think I’ll be a little bit better, but the thing is we’re pre-summer, aren’t we? So, at the moment, I’m getting the garden ready. Done a bit of lawn mowing and I’ve got a list as long as my arm of jobs to do, but I can’t do them with a bad back! I don’t want to get anyone in either.”

Gary joked that this was a convenient excuse, prompting Vernon to quip: “To keep my feet up… and do absolutely nothing!” Gary said: “Sorry, Tess, sorry!” Offering a further glimpse into his relationship with Tess, Vernon revealed: “She sent me a message this morning on the train, ‘Why is half the lawn done?’.”

When questioned whether he’d taught Tess how to tackle the mowing herself, Vernon stated: “That’s my job – no, that’s my job. That’s my job, I love it. Put my headphones in and away we go!”

Meanwhile, Vernon has shed light on a “horrendous” hidden struggle while presenting The One Show alongside regular host Alex Jones.

Speaking with Ellie Brennan on Radio 2 , Vernon disclosed how his stomach had begun rumbling, explaining: “Did you watch The One Show last night? Did you notice that Alex and I had the giggles? Just out after filming Watchdog. They take it very seriously at The One Show. It’s a consumer rights programme, so it’s very serious, and my tummy, because I hadn’t eaten lunch, decided to pop up and say hello.”

He continued: “I literally – and it’s the first time in, I’d say 25 years, since I was working with June Sarpong – that I’ve done a live television link biting my lip to try to stop myself laughing as I’m introducing something really, really serious. It was horrendous.”