Travel insurance for Europe – Protection against emergency expenses
If you are planning a trip to Europe, it’s time to secure the right travel coverage for you.
Whether you are planning a month-long trip to Europe or just renting a car for the weekend, travel insurance can be quite flexible, covering you for every possibility imaginable. The best travel insurance can be a blessing in the incident of an accident, helping you pay for costly medical care, stolen property, or the cost of canceling a dream vacation you’re suddenly unable to take.
Insurance prior travelling can reduce the financial risks during travelling such as accidents, sickness, missed flights, cancelled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency flight, and worst case like getting your body home if you die.
There are few medical coverage for illness and accidents, trip cancellation/interruption coverage for unforeseen circumstances that alter your plans and baggage insurance for your possessions. You must decide what you may require for yourself because the combination of coverage are many. In general, it is always a good idea to purchase some form of medical insurance, even if it is the most basic reporting. You do not want to have to pay out of pocket for hospital and medical bills in case you are sick abroad. If you have constant conditions or are of a certain age (+ 50) then it is smart to purchase further protection with a more inclusive medical plan.
Trip cancellation/interruption coverage is also normal for travellers. People think that they do not need it, but the twist of insincerity is that it covers “unforeseen” conditions. Hence, you are unlikely to predict that you will need this coverage. It is best to protect yourself before hand and to be able to get better your costs later with travel insurance to Europe that has trip cancellation/interruption coverage. Before purchasing trip-cancellation/interruption coverage, check with your credit-card issuer; yours may offer limited coverage for flights or tours purchased with the card.
Baggage insurance is a risky one. The airlines usually cover you for a certain amount, ranging from $600-3000; they are responsible to give you some sort of reimbursement if they lose your bag. That being said, certain travelers carry very costly items around like top-of-the-line cameras and laptops. Then you need to consider taking out extra travel insurance for Europe to cover your particularly luggage.
Insurance prices can vary widely, with most packages costing between 5-12% of the total trip. Age is the main factor affecting the price: Rates go up significantly for every decade over 50, while coverage is generally economical or even free for children 17 and under.
Travel agents suggest that you get travel insurance. Though they give you information and advice, they are not certified insurance agents, always ask any specific questions to the insurance provider.
If you have to make a claim and come across the problems with a company that isn’t certified in your state, you don’t have a case. Policies can vary even within the same company. Policies have special level of coverage based on whether you purchase the car rental, hotel, or flight directly on your own or through a travel agent. Ask a lot of questions, and always read the fine print to see what’s covered.
Some travel insurance, particularly trip cancellation coverage is refunded only: if you’ll pay out-of-pocket for your expenses then submit the paperwork to your insurer to get back your money. With medical coverage, you may be able to organize costly hospital or doctor bills paid directly. Either way if you have a problem, it is advisable to contact your insurance company immediately to ask them how to continue. Many insurance companies are easily reached by phone 24 hours a day if you have problems in Europe.
Companies such as Travelex, World Nomads, Medjet, Nationwide, Travel Guard, Travel Insurance.Com, Generali Global Assistance, Allianz Global Assistance, Insuremytrip, AMEX Travel Insurance, Travel Safe Insurance, IMG Travel Insurance, John Hancock Travel Insurance, Travel Health Insurance, Seven Corners and Travel Insurance Guide offer comprehensive packages that serve as your primary coverage; they will take care of your expenses despite of what other insurance you might have. This can be a real plus if you want to avoid additional expenses.
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Squaremouth helps you find the best travel insurance at cheapest price. Using Squaremouth, you can investigate, measure up to and buy the best travel insurance from every major provider in the U.S. Compare policies side-by-side and use our custom search filters to find the best policy for your trip