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A collage of women travellers in city streets and coastal destinations — representing the Female Traveller Safety Index and the ‘Safety Tax’.

The ‘Safety Tax’: where women feel safest on holiday — and why many still change their behaviour

Holiday Extras asked 1,000 UK women about their last overseas trip. Most felt safe, but many still paid a hidden “Safety Tax” in the form of extra vigilance and behaviour changes.

Short on time? Let us summarise this guide for you.

Holiday Extras’ survey of 1,000 UK women found that 81.4% felt safe overall on their last overseas trip — yet 51.6% changed their behaviour specifically because they are women. We call the gap between “feeling safe” and “acting freely” the Safety Tax, averaging 37.8%. Switzerland stood out as the gold standard (83.3% felt very safe), while Romania showed the lowest behaviour change (70% didn’t modify behaviour). Croatia and Morocco had some of the highest adaptations, including avoiding going out alone and staying constantly alert. We also highlight where ‘paper safety’ doesn’t always match street experience.

What you'll find in this guide:

What is the Safety Tax?

The Safety Tax isn’t a financial cost. It’s the extra work women do to feel comfortable and confident abroad — the small adjustments that add up. It might be planning routes more carefully, avoiding walking alone at night, staying alert in crowded places, or changing what you wear to blend in.

From our survey, the Safety Tax averages 37.8%: the gap between feeling safe and acting freely.

Infographic

Infographic illustrating the keypoints from the Female Traveller Safety Index

The headline stats from 1,000 UK women

  • 81.4% felt safe overall on their last trip (40.8% very safe + 40.6% somewhat safe).
  • 51.6% changed their behaviour abroad specifically because they are women.
  • The most common adjustment was avoiding going out alone (16.2%), followed by staying constantly alert (10.8%) and limiting night-time activities (8.3%).

The Female Traveller Safety Index (FTSI) infographic showing Safety Tax, destination scores and highlighted country insights.

Where women feel safest

Some destinations stood out for aligning “paper safety” (official measures) with the on-the-ground experience women reported.

Switzerland: the gold standard

Switzerland ranked highest overall. 83.3% of women who visited said they felt very safe — and none reported feeling unsafe. It’s the clearest example of a destination where safety and freedom match.

Switzerland in the snow with the Holiday Extras brand balloon rising in the background.

Malta: street experience beats the stats

Malta performed brilliantly for lived experience. Women reported extremely high confidence on the ground, suggesting the “street vibe” can sometimes exceed what the statistics imply.



Romania: freedom without modification

Romania delivered one of the most striking results in the survey: 70% of women said they didn’t change their behaviour at all — the highest of any destination surveyed.

Where the Safety Tax is higher

Some destinations show a bigger gap between feeling safe and acting freely — the Safety Tax in action.

Croatia: safe, but not carefree

Croatia is a clear example of “safe, but not totally relaxed”. While many women reported feeling safe overall, 41.7% said they avoided going out alone — the highest single behavioural adjustment recorded in any destination.

UAE / Dubai: cultural adaptation

In the UAE, many women felt confident day-to-day — with 57.1% saying they felt very safe. But 19% reported changing what they wore to align with local norms, showing how the Safety Tax can be cultural as well as practical.

The Female Traveller Safety Index (FTSI) infographic showing Safety Tax, destination scores and highlighted country insights.

Morocco: the psychological load

In Morocco, 21.4% said they felt the need to stay constantly alert — a reminder that safety isn’t just about incidents, but how much mental energy a destination demands.


Female Traveller Safety Survey: the full table

A quick, comparable view of how women felt, whether they changed behaviour, and the most common adjustment reported for each destination.

Destination Felt Very Safe Did Not Change Behaviour Most Reported Behaviour Change
Switzerland83.3%50.0%Limited night activities 16.7%
Portugal59.0%56.4%Stayed constantly alert 17.9%
UAE / Dubai57.1%42.9%Changed what they wore 19.0%
Malta54.5%54.5%Avoided going out alone 9.1%
Croatia50.0%25.0%Avoided going out alone 41.7%
Germany46.2%46.2%Avoided going out alone 15.4%
Ireland44.0%32.0%Stayed constantly alert 20.0%
Cyprus41.0%44.7%Avoided going out alone 31.6%
Greece40.7%43.2%Avoided going out alone 19.8%
Netherlands40.0%40.0%Avoided going out alone 26.7%
Romania40.0%70.0%Avoided going out alone 30.0%
Spain40.8%54.3%Avoided going out alone 17.8%
USA39.1%53.1%Stayed constantly alert 12.5%
Egypt34.8%30.4%Changed what they wore 17.4%
Poland33.3%41.7%Very unsafe reported 16.7%
Turkey32.7%43.6%Stayed constantly alert 16.4%
France29.8%41.4%Limited night activities 19.0%
Italy24.4%51.1%Avoided areas or transport 8.9%
Morocco21.4%25.0%Stayed constantly alert 21.4%
Other countries47.4%56.9%Avoided going out alone 10.2%

How to reduce the Safety Tax: simple planning tips

  • Pick the right base: choose accommodation near transport and well-lit areas, so late walks are shorter.
  • Plan arrivals: organise airport parking, transfers or taxis ahead of time so you’re not making decisions under pressure.
  • Share your plan: let a friend know your rough itinerary and check in at set times if you’re travelling solo.
  • Trust your instincts: if a street or situation feels off, you don’t owe anyone politeness.
  • Pack with confidence: a crossbody bag, power bank and offline maps reduce stress in unfamiliar places.

Methodology

Holiday Extras surveyed 1,000 UK women who had recently travelled overseas. Respondents were asked how safe they felt overall as a woman in their most recent destination, and whether they changed their behaviour specifically because they are a woman.