2. There are always many risks involved with traveling
outside your own country and travel insurance for
Europe is essential, despite the fact that you may
think it is not a very "exotic" location. You may
always fall ill, suffer an accident, or have a sudden
change of plans, no matter where you are in the world.
The peace of mind that you purchase with travel
insurance for Europe is, in my mind, absolutely
priceless. Just think about it: when you are on
holidays, you simply want to be able to have a carefree
time without needing to worry in the back of your mind.
Of course, should anything detrimental actually occur,
it may spoil your vacation regardless. However, the
degree to which it may affect you will be determined by
your travel insurance coverage.
3. There are many types of coverage for travel
insurance to Europe. There is 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 determine
what you may require for yourself because the
combinations 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 coverage.
You do not want to have to pay out of pocket for
hospital and medical bills if you become sick
abroad. If you have chronic conditions or are of a
certain age (over 50) then it is smart to purchase
further protection with a more comprehensive medical
plan.
4. Trip cancellation/interruption coverage is also pretty
standard for travelers. People think that they do not
need it, but the twist of irony is that it covers
"unforeseen" circumstances. Hence, you are unlikely to
predict that you will require this coverage. For
example, imagine if a close relative died all of a
sudden. If you need to get home, of course you will
forfeit the rest of your trip because of family
priorities. But, it is best to protect yourself
beforehand and to be able to recover your costs later
with travel insurance to Europe that has trip
cancellation/interruption coverage.
5. Baggage insurance is an iffy one. The airlines
usually cover you for a certain amount, ranging from
$600-3000; they are liable to give you some sort of
compensation if they lose your bag. That being said,
certain travelers carry very expensive items around
like top-of-the-line cameras. If this is you, then
you need to consider taking out additional travel
insurance for Europe to cover your particularly dear
luggage. Otherwise, I would not worry excessively
about having baggage insurance for Europe.
