Travel Insurance Europe, Essential Thing to Prepare – Breaking News

Imagining your trip to visit countries in Europe is fun. But, other things are no less important than preparing your travel itinerary later. Travel insurance Europe is a basic thing that you need to prepare for. Why is that? Here are the reasons and how to choose the right insurance.

What Makes Travel Insurance Europe Essential?

You certainly don’t want bad things to happen while traveling in Europe, such as getting sick or missing items. But, who knows what will happen? Therefore, preparing everything carefully including buying insurance as a guarantee of safety while traveling is important.

Travel insurance in Europe is useful for minimizing unexpected expenses that may occur during a trip. So if one day you suddenly get sick, you have a schedule that you have to cancel, there is a loss of goods and other problems, you already have insurance.

Things like that will affect your tour, so there will be a lot of cost overruns due to having to stay longer, and additional expenses. This travel insurance will help cover unexpected expenses, according to the insurance policy that you have purchased.

The Difference Between Schengen Travel Insurance and Travel Insurance Europe

Even though there are many options for finding the proper travel insurance, some people think that travel insurance is the same as Schengen travel insurance. These two things have the same function, but there are some differences.

Schengen visas are no longer a new thing for people who frequently travel to countries in Europe. Because it is one of the requirements that must be replaced by a passport if you visit a country in Europe that is part of the Schengen area.

But what are the differences between the two? Find them below!

a. Schengen Travel Insurance

• Special health insurance for tourists who are required to use a Schengen visa.
• This insurance covers basic medical care and emergency medical treatment.
• Valid throughout the Schengen visa coverage area.
• Have a cheaper insurance policy.
• It has the same period as your Schengen visa.
• At least health insurance up to 30,000 EUR

AXA Travel Insurance is one of the best Schengen travel insurance that offers guarantees for the safety of your trip. As an international healthcare network company, AXA offers silver, gold, and platinum packages.

b. Travel Insurance Europe

• Health insurance for tourists who are not required to have a Schengen visa to visit countries outside the Schengen area.
• Provide more guarantees, starting from health insurance, loss of goods, tour cancellations, and also other disturbances during the trip.
• Has a broad coverage area throughout the country that is inside and outside Europe.
• This insurance tends to be more expensive than Schengen travel insurance.
• Provides a more varied period offer.
• Insurance covers inspection fees and others up to 100,000.

How to Choose Travel Insurance Europe

Before you start to determine which company is good to take care of you during the trip. So some things are important for you to know first.

1. Coverage Levels of Travel Insurance

You want the money you have spent to buy insurance not to be wasted. Therefore, you need to analyze and explore the extent of the coverage level your policy has. This is important considering you have paid a certain amount of money to get insurance.

Some examples of this coverage level are what medical care you get, additional benefits, repairs, and so on. You can also do some research, and compare which companies offer more benefits.

2. Additional Benefit Included

Find out if the insurance policy that you have paid for has additional benefits that will benefit you later. For example small things like the replacement of lost items.

If you plan to do outdoor physical activities, to reduce risk, you can find out whether the insurance policy has offered an appropriate offer or not.

3. Coverage Period

Remember that your journey takes place at certain times. So if you plan to have European travel insurance, you need to find out how long the insurance policy is.

Don’t let you run out of time to make insurance claims, just because you have a schedule change and additional time.

4. Company Review

There are many travel insurance companies in Europe, so you have to be more careful in choosing a company name that fits your itinerary. A good travel insurance company will be able to provide reviews and respond 24/7.

You, as the party buying insurance, must also be more critical in seeking reviews of the company’s image.

5. Understand Policies

Don’t feel like you already know what an insurance policy contains before you read it all. Accuracy here is the basic thing that you must apply. So, in the future, you will minimize the possibility of discrepancies or misunderstandings related to insurance policies.

What does Travel Insurance Europe Cover?

Before you buy travel insurance, you also need to know what benefits you will get. In general, travel insurance will support, and provide guarantees for the following costs.

1. Emergency Care

If you suddenly get sick while traveling, you can use travel insurance to cover unexpected costs. Usually, this health insurance includes the cost of medical emergency services, with a total cost of up to 100,000 EUR.

2. Lost Luggage

Visiting other countries also carries the risk of events such as loss of luggage or theft. Therefore, you can get a guarantee of safety and compensation for the incident. So you can replace lost items with insurance.

3. Trip Cancellation

On long-term trips, things often don’t go according to plan. There are times when you need to cancel trips to several places, due to unforeseen conditions such as bad weather. 

Even though all of this is conditional, it will have an impact on your other itineraries. Travel insurance also provides guarantees for things that are beyond our control.

4. Repatriation of Remains

The worst possibility in a foreign trip is an accident that results in death. Everyone doesn’t expect this to happen, but travel insurance guarantees compensation if this happens.

Packing Things, Start Your Trip Now

After all, having insurance is basic nowadays. Travel Insurance Europe provides many guarantees for the safety and comfort of your trip. Travel comfortably, without the need to think about cost overruns. So, are you ready to consult with an insurance agent and make a quote?