Ron's corner: European travel insurance-what you need to know

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Do you need travel Insurance? Well, you don't have to have it in order to travel to Europe. But what happens if you go to Europe without European Travel Insurance and you get sick or injured, lose your passport or have travel delays. You can travel anywhere in the world without travel insurance but that doesn't mean it is smart to do so. Wherever you might be going in Europe, European travel\Travel insurance could not only protect you against unexpected costs but it could also give you peace of mind, so you're left to simply enjoy your holiday, worry and hassle-free.

Europe is a very popular travel destination for many, ranging from summer vacations and city breaks to skiing trips, honeymoons and sabaticals. Whatever the occasion for going to Europe, European travel insurance is one essential you don't want to overlook.

Oktoberfest european travel insurance needs

Comparing European Travel Insurance

No matter if you plan on tearing up the slopes in the Alps, Scuba Diving in the Medeterrainian Ocean, Hiking up to Neuschwanstein Castle or touring a big city, it's good to know that your insurance has you covered for the task at hand. If you're hoping to find cheap European travel insurance, it's important to know which kind of insurance you need.

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Types of European Travel Insurance

Most European travel insurance is split into these four categories:

Single trip

Single trip cover is European travel insurance you take out for one trip, for a specific destination and a set amount of time.

· Multiple trips

Multiple trip coverage is better if you travel frequently, as it provides coverage for as many trips as you want over a whole year.

· Family coverage

Family travel insurance can be a great way to save on costs as it often includes coverage for your children.

· senior travel insurance coverage

Senior travel insurance is designed to provide affordable extra coverage for people who might be more at risk of needing medical treatment.

Europen hospital European travel insurance

What's covered with European Travel Insurance?

Typically, European travel insurance covers you for the following occurrences:

Lost belongings-you may already be covered for items like smartphones, laptops and tablets if you have homeowners, renters insurance or coverage through your credit card but if not and for other items this could come in handy.
Delays and cancellations. These can happen for any reason and while the airline may help you out what happens if something unforseen happens.
Airline insolvency coverage could come in handy if your airline goes bankrupt. Travelling in Europe on a budget airline always has this risk.
Medical expenses- This is what most people think about when purchasing insurance and while your insurance company might reimburse you this one can be a lifesaver should you not be adequetely covered.
Personal liability-accidents happen.
Emergency assistance

Airline travel European travel insurance

There are also specific European Travel Insurance policies you can get for Backpacking and Cruises. The cruise ship companies will offer travel insurance that covers cruise related claims.

For Backpackers European Travel Insurance is ideal if you are travelling for a long period of time to multiple locations.

Whichever European travel insurance policy is most suited to your needs and travel plans, it's useful to know exactly what's included in the policy and what exclusions may exist; you may be able to cut costs by eliminating any coverage that isn't applicable to you and add on a rider for something you may need for say a pre-existing medical condition. Read the fine print.

When travelling in Europe, having proper European travel insurance is essential.

More so if you have a pre-existing medical condition. With the proper coverage, you can travel with peace of mind knowing that if a problem occurs you are covered so you can enjoy your vacation.

Travel insurance covers you after the event occurs, which means that you will normally need to pay upfront and then make a claim to the insurance company afterwards, much like any other type of insurance. You will need to keep your documentation and bills for this reason, hospital bills for example, as otherwise your claim may be refuted.

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It's worth noting that there are exceptions that aren't covered by standard travel insurance.

Certain policies may not cover you for the following:

Pre-existing medical conditions-have a heart condition? Make sure you have coverage
Extreme sports-Scuba diving, Skiing, Paragliding, Bungee Jumping, Moutain Climbing may not be covered but you may be able to add it on with an insurance rder.
Alcohol or drug related incidents-Anyone going to Oktoberfest or planning on going to Amsterdam?
Natural disasters
Acts of terrorism

Many activities that involve an element of risk or danger - such as winter sports - will require additional cover, but certain providers may include it in the price as an additional policy benefit. Read the Fine Print.

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Car Coverage

Similarly, your auto insurance may also be valid when you get a rental car. However, it is good to check and to know if they will cover small dings as well as major coverage. European rental car companies are notorious for trying to ding you for small dings and scratches.

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Summary of European Travel Insurance

It’s worth checking if your electronics are covered abroad by your home insurance, or if protection is provided through your bank account, credit card or employee benefits package.
Compare quotes- While you may be able to buy European Travel Insurance through your airline or cruise agency it may not be the cheapest option nor cover all your needs, or it may provide more coverage than you actually need. See how different policies stack up against each other in price and coverage.
If you’re only planning to travel once or twice annually, single-trip coverage might be better for you, but if you’re going away any more often you might benefit from an yearly policy. And check for Family and Senior packages.

With coverage for preexisting medical conditions you’ll be able to claim for medical treatment if a condition you had before needs care.

Travel insurance doesn’t have to cost the earth: policies start from as low as a couple of dollars a day for personal single trip coverage.

What's does travel insurance cover?

Most European travel insurance policies offer a range of benefits, these could include:

Coverage for activities and some sports.
Medical expenses and hospital benefit
Personal accident and liability insurance
Trip Cancellation
Cutting your trip short for various approved reasons
Delayed departure
Accommodations coverage
Airline bankruptcy
Personal belongings and luggage
Passports and travel documents
Legal expenses

Europe travel insurance - Lonely Planet

It’s foolhardy to travel without insurance to cover theft, loss and medical problems. There are a wide variety of policies, so check the small print. Some policies specifically exclude ‘dangerous activities’, which can include scuba diving, motorcycling, winter sports, adventure sports or even hiking. Check that the policy covers ambulances or an emergency flight home.

Worldwide travel insurance is available at www.lonelyplanet.com/travel-insurance. You can buy, extend and claim online anytime – even if you’re already on the road.

Many public toilets require a small fee either deposited in a box or given to the attendant. Sit-down toilets are the rule in the vast majority of places, though squat toilets can very occasionally be found in rural areas.Public-toilet provision is changeable from city to city. If you can’t find...

Travelling in Europe is usually very safe. With comprehensive healthcare, political stability and generally low crime rates, you'd be unlucky to encounter any serious problems. There was a spike in terrorist attacks in Europe between 2015 and 2017; countries affected included France, the UK,...

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From: www.comparethemarket.com

Compare Europe Travel Insurance | Compare the Market

With its contrasting cultures, history, stunning landscapes and easy accessibility, it's no wonder that Europe is the largest travel destination for UK holidaymakers.

But even though you're relatively close to home, it's still important to have the right travel insurance in place before you go.

Being so close to home, you may not think travel insurance is as important for Europe as it is for long haul destinations.

But even on the most sedate holidays, things can go wrong. Flights can get cancelled, luggage gets lost and phones and tablets get stolen. And no one wants to think about being injured or falling ill on holiday. But accidents can happen, wherever you are.

Travel insurance could give you the reassurance and peace of mind that if something does go wrong, you're covered.

broken leg european travel insurance

The Cost of a Broken Leg Abroad | MoneySuperMarket

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From: medicaltravelcompared.co.uk

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Bryony is a UK-based travel blogger who documents her trips across the world on her personal blog. Keep an eye out for her top travel tips, gathered from her first-hand experiences.

If you’ve ever wondered if travel insurance is really necessary, you’re not alone. Earlier this year, The Guardian reported that one in four travellers don’t take out insurance, particularly those who are travelling within Europe.

However, despite the fact that nobody likes to dwell on the idea of things going wrong when planning their dream trip, accidents can and do happen. It’s better to be safe than sorry.

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Trying to wrap your brain around travel insurance? Have no idea which is good policy or how it all works?

Well here in this video I try to break down a little list of things you need to look out for when picking a policy and company!

Using a price comparison website can save you a lot of time when looking for travel insurance. Try a site like comparethemarket.com but make sure you read your policy well.

Once you have purchased your travel insurance, write down your policy number and also the phone number of the insurance company as if an accident occurs or you need to file a claim, they will need that information!

Also, it is good to find out if you need to call them before you seek any medical assistance.

And don't forget the best luggage and accessories to take with you from The Brooklyn Nomad

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