Everything You Need to Know About Travel Insurance Europe

International travel insurance policies are tailored to meet the needs of each individual, with plans covering travellers from the age of three months to 85 years old. Even if you have meticulously planned your abroad trip, there is always the possibility that something unexpected will arise. Add to that the stress of dealing with issues such as hospitalisation in a foreign country due to large medical bills, and your trip plans may come to a halt.

Wandering around Europe is an everlasting joyride packed with unique adventures, from the scenic splendour of Austria to the architectural wonders of Romania. Regardless of which of these lovely nations you visit, you will return home safe and well, with a wealth of memories. So, what are you waiting for? Pack your belongings and board the adventure train to this soul-stirring nation with the peace of mind of travel insurance for Europe.

What is the Schengen area in Europe?

The Schengen Area is a collection of 26 European countries that have agreed to abolish all passports and other forms of border control at their shared borders. For foreign travel, the area mainly acts as a single jurisdiction with a common visa policy. The area is named after the Schengen Agreement, which was signed in Luxembourg in 1985. To know more about Schengen countries, you may visit the official website.

What is covered under travel insurance for Europe?

There are a variety of travel insurance policies on the market, each with its own set of coverage features. All travel insurance plans, however, contain some common coverage benefits, commonly known as standard coverage benefits. Travel insurance for Europe offered by well-known insurers like Care Insurance cover the following:

• Medical emergency (accident or illness) while in the Schengen Area

• Emergency evacuation

• Repatriation of remains

• Return of a minor

• Trip cancellation

• Trip interruption

• Funeral expenses in another country

• Lost, stolen, or damaged bags, personal goods, or travel papers

• Delayed baggage (and emergency replacement of necessary things)

• Missed flight connections due to airline schedule crashes

• Weather-related travel delays

• When travelling during the first trimester, most insurers cover pregnancy-related expenses, however, the coverage may differ.

What is not covered under travel insurance for Europe?

An international travel insurance coverage will provide essential financial assistance, but you should always check the exclusions, which are the situations in which you will not be able to make a claim. Some unexpected costs are mentioned here if you are travelling to Europe:

• Pre-existing conditions and the medical issues that arise as a result of them

• When you travel against doctor’s counsel

• If you're travelling merely to receive medical treatment in another country

• If you have an accident, injury, or illness as a result of using alcohol or narcotics

• If you are injured or have an accident while engaging in adventure sports or other dangerous activities

• War, nuclear contamination, radiation, mutiny, and other claims

• Medical costs associated with pregnancy and childbirth

• Expenses incurred as a result of HIV/AIDS or other sexual disorders

• Suicide attempts, self-inflicted injuries, or mishaps on purpose

• Cosmetic treatments of any kind would not be covered

• Travel insurance policies do not cover non-allopathic alternative treatments.

• Losses as a result of the accident are not covered

How much does travel insurance for Europe costs?

The cost of a travel insurance policy for Europe is determined by criteria such as the length of your trip, the amount of coverage you select, the insured person's age, and any pre-existing medical conditions. Use a travel insurance premium calculator to receive an accurate idea of the cost of your travel insurance. A travel insurance premium calculator is a digital tool that allows you to compare different premium amounts and personalise your trip policy, allowing you to choose an affordable cover.

When you travel, there will always be dangers. While insurance can help alleviate many of the costs associated with those risks, it cannot completely remove them. Do your researches, ask questions, and consider how much peace of mind is worth to you when deciding whether or not travel insurance is good for you.

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