insurance

If your destination falls victim to a wildfire or other extreme event, what should you do, and can you get your money back? A consultant for independent financial research company Defaqto has explained what Brits need to look out for

Many Brits will be heading off to Spain for the busy summer season in the coming weeks, and no doubt seeing the headlines about wildfires will cause some alarm if you’ve got a holiday booked.

Wildfires broke out in the Almería province of Spain last week. So far 13 people have been confirmed dead, among them, seven Britons. Almeria is part of the Andalusia region, and is popular with expats and holidaymakers. The Foreign, Commonwealth & Development Office (FCDO) recently updated its advice for anyone travelling to Spain.

It said: “If you are in an area affected by the wildfire follow instructions from local authorities and emergency services at all times, avoid travelling into or through the affected area, and follow updates from the emergency services.”

People who were planning trips to Andalusia and other areas of Southern Europe suffering from wildfires and other extreme weather events may be wondering where this leaves them. Anna-Marie Duthie, an insight consultant at independent financial research company Defaqto, gave her thoughts.

Anna-Marie said: “If your airline cancels your flight due to wildfires, they should offer you the chance to rebook, or provide a full refund. If your holiday was booked as a package, this refund should cover all elements — flights, accommodation and transfers.

“But if you’ve booked everything separately, you’ll need to deal with each provider independently. Your airline may refund your flight, but your accommodation provider may not if the property is unaffected. This is why it’s essential to speak directly with providers in the first instance and check with your insurance provider regarding the cover they include.”

Travellers should regularly check the FCDO website to see tailored advice for their destination and ensure no travel warnings are in place. Anna-Marie said: “If government advice changes, advising against travel to the area after you have booked your trip, then you may be covered for cancellation or curtailment.

“You may also be covered for additional travel and accommodation costs should your trip be disrupted due to a catastrophic event, if your insurer offers this cover or you’ve paid to include it.”

Anna-Marie believes that extreme weather events could affect the travel insurance industry in future, saying: “Whilst it’s difficult to know exactly how travel insurance may change over the next decade, longer term there is a chance that we may end up seeing less insurable destinations and increased premiums. What we do know, however, is that travel insurers are used to having to adapt to an ever-changing world.”

But she added: “It is unlikely and we are yet to see any immediate changes to policies because of the current heatwave. It is unlikely insurance providers will change their policies in the near future to incorporate extreme heat. Current clauses may refer to ‘severe’ or ‘extreme’ weather, but the definitions for these can vary and currently no providers go as far as to specify criteria such as maximum temperatures.

“Where the heat causes events such as the current wildfires, this is a separate consideration and would be classed as a catastrophe or natural disaster. Cover for this will all depend on your insurer’s definitions and extent of benefits.”

Have a story you want to share? Email us at webtravel@reachplc.com

Jakob Davies, 25, suffered severe injuries after falling from a three-storey balcony during a stag do in Albufeira, Portugal, as his family launches a fundraiser to help him

The devastated family of a Brit who plunged from a three-storey balcony during a stag do in Portugal fear his travel insurance may not cover his mounting medical bills because he had been drinking.

Jakob Davies, 25, remains in hospital in Faro after suffering catastrophic injuries in a fall at a hotel in Albufeira earlier this month. His loved ones say they are still waiting to hear whether his insurer will pay out after tests showed alcohol in his system.

The factory worker, who is from Scarborough, North Yorkshire, had travelled to the Portuguese party hotspot with around 30 work colleagues for a stag weekend on June 4.

His mum, Claire Gerrard, fears the family could be left facing huge costs after doctors warned Jakob he may never walk again without urgent surgery.

The 51-year-old woman said: “He’s totally on his own. I need to know what’s going to happen to him. He was told if you don’t have this operation immediately then you won’t walk again.

“He does have travel insurance but because of the alcohol that he’s drunk it’s not looking like they will pay. We’ve contacted the insurance company and they wanted all the reports so I sent the reports.

“The doctor gave Jakob his alcohol levels with his bloods done and it did show alcohol in his system, which unfortunately they will not pay out.

“25 [years old] on a stag party he’s not going to have none is he? They’ve not said no yet, we’re still waiting on information. I think it should be made more clear to people, especially to youngsters. You’re going on holiday to a stag party and you can’t drink, they don’t listen, they just go and have a drink.”

Jakob had chosen to stay behind at the accommodation on June 5 to play football while the rest of the stag group headed out.

But when his friends returned later that day, they were alarmed to see fire engines, police cars and ambulances rushing towards their hotel.

Claire expained: “I think there were about 30 of them and it was somebody from work’s stag party. It’s all really, really vague, Jakob has no recollection of it whatsoever.

“He had been playing football with some other guys, his party were leaving and Jakob had said ‘I’m going to continue to play football’.

“I don’t even think he remembers playing football but that’s what he was doing. When the party was returning back to the hotel there were fire engines flying past and then the police came past and then the ambulances came past and had turned into their hotel so they thought ‘oh gosh something is going on’.

“When they got there Jacob was unconscious on the floor with severe head injuries and broken bones, it looked pretty horrific initially. When they got him in the ambulance, he had regained consciousness and he was speaking but he wasn’t aware of what had happened.”

Believed to have fallen from a three-storey balcony, Jakob was initially taken to a local hospital before being transferred to a larger hospital in Faro.

Doctors later discovered he had suffered a serious head injury, broken feet and ankles, as well as fractures to both his L1 and L4 vertebrae.

Recalling the moment she learned about the horror fall, the worried mum said: “I got a phone call at around 11am on Saturday morning [June 6] to say Jakob’s fallen from a three-storey balcony. My initial feelings from then on were absolute dread.”

As Jakob continues his recovery overseas, family and friends have launched a GoFundMe appeal to help cover medical expenses and the cost of bringing him back to the UK.

Travel insurance experts warn that some policies contain exclusions relating to alcohol or drug use, although terms and conditions vary between providers. Holidaymakers are urged to check the small print of their policies before travelling, particularly if they are planning to drink while abroad.

To donate to the GoFundMe, click this link.

NEW YORK — The proportion of Americans without health insurance held steady at around 8% of the population in 2025, according to new findings from the U.S. Centers for Disease Control and Prevention.

The national survey results, released Thursday, show the all-ages uninsured rate has stayed significantly down from where it was several years ago, but the ranks of the uninsured could soon expand as the Trump administration’s sweeping changes to the health landscape begin to take hold.

Massive changes to Medicaid, the government’s safety-net health program for low-income Americans, passed into law last year could result in 10 million more uninsured individuals over a decade, according to Congressional Budget Office estimates.

And the expiration this year of certain Affordable Care Act subsidies — which had offset premium costs — is also contributing to reduced participation in marketplace health programs. Around 5 million fewer people are expected to enroll in those plans in 2026 compared with 2025, according to the healthcare research nonprofit KFF.

The government has multiple programs for tracking Americans’ insurance status, which can give different numbers depending on factors like timing and question wording. Many researchers consider the U.S. Census Bureau to be “the official scorekeeper,” said David Howard, an Emory University health policy and management professor.

But the CDC survey results tracks closely with that, and they offer the first complete data for all of 2025 — the first year of President Trump’s second term in office.

The Trump administration has sought to expand access to low-premium catastrophic health insurance plans and lower drug prices for Americans who don’t have health insurance. It has also suggested that projected insurance enrollment declines indicate a drop-off of fraudulent and ineligible enrollees, rather than eligible Americans.

Although the share of insured and uninsured stayed roughly the same in 2025 as the year before, the number of uninsured grew by about 800,000 — 300,000 of them children. The growth of the overall U.S. population helps explain that.

The survey results also suggest a possible increased insured rate among Hispanic Americans. But that may in part reflect the effects of the Trump administration’s immigration crackdown, if uninsured members of that group left the country, Howard said.

Most Americans 65 and older have health insurance through the federal Medicare program. It’s different for younger Americans, many of whom are covered through a patchwork of public and private insurance programs.

The percentage of Americans under 65 who were uninsured rose in the 1980s, 1990s and early 2000s — from 12% in 1980 to more than 18% in 2010. It fell following passage of the Affordable Care Act in 2010, which expanded Medicaid programs and enacted measures to make affordable health insurance available to more people.

By 2016 it dropped nearly to 10%, before rising to 11 to 12% during Trump’s first administration, according to historical survey data from the CDC’s National Center for Health Statistics.

The COVID-19 pandemic saw the rate of uninsured fall again, as a result of government policies put in place to preserve coverage as people faced disruptions related to the pandemic. The rate hit an all-time low in 2023, falling below 9%.

It’s not clear yet how big the increase in uninsured Americans will be this year, but experts agree it will likely rise in the coming years as a result of changes to the Affordable Care Act and Medicaid.

“The decisions being made now — in Congress, state legislatures and state Medicaid agencies — will determine what happens next,” Nancy Brown, chief executive officer of the American Heart Association, said in a statement Thursday.

“Policymakers should act immediately to protect and expand access to affordable coverage, strengthen Medicaid and maintain pathways that make coverage and care accessible,” she said. “Without deliberate action, including reversing dramatic cuts to coverage, uninsured rates will continue to rise, putting quality health care further out of reach.”

Stobbe and Swenson write for the Associated Press.