Adventures in far flung destinations including Europe can be full of excitement, beauty, history and culture, transporting travelers blissfully away from their daily routines. However, there are times on such journeys when the unexpected happens, and the impact of injury or accident can be much more substantial than if the same incident had occurred stateside. Travel insurance for Europe is available to travelers who will be visiting the EU zone and might need special care from European doctors or healthcare providers during their visit. Specifically, this type of coverage can help alleviate the danger of incurring massive financial harm due to unpredictable events while traveling in countries like France or Germany where health-care systems are often very similar due to EU-organized regulations. This is something everyone venturing to Europe should investigate prior to their voyage. European travel insurance plans are specifically designed to cover countries like France, Spain, Germany, and Greece. Since health care plans and systems are unique to regions and continents, a European travel insurance package will cover very different things than one for, say, South America.
Some travelers may be surprised to learn that the personal insurance coverage they enjoy at home may be inadequate protection while they are away in Europe. For example, travelers who engage in certain types of hazardous recreation such as scuba diving and mountain climbing may learn the hard way that their coverage has been negated by such activity when done in foreign lands. It is also important to note that even when traveling within a country with a nationalized system of healthcare — especially in the Euro Zone — a traveler may be wholly ineligible for free or low cost medical treatment in the case of accidental injury, which is often provided only to citizens. The European Union has done a very good job of organizing special travel insurance systems so that travelers can feel safe within their borders. This is much like the opposite arrangement where a traveler from Europe might come to the United States of America. Regardless of what state that individual mind find himself or herself, then he or she can still get great coverage. Likewise for you, it’s important that regardless of what European “state” you find yourself in that you can rely on quality coverage.
In some of the European areas outside the EU zone, for example, foreign medical practitioners and facilities may be utterly unwilling to negotiate with a traveler’s domestic insurance carrier for payment of expenses incurred due to accidents abroad. In such cases, upfront payment may be demanded prior to service. In the event appropriate treatment is unavailable in a particular location and medical evacuation is required, a tourist’s conventional domestic insurance policy may not cover the cost, which can be significant. Because of these reasons and more, travel insurance Europe is a worthwhile subject of inquiry for all seeking to venture abroad. This is important to keep in mind if your European travel plans might lead you outside the EU zone into countries like Switzerland or Norway where EU coverage may or may not apply.
Aimed at offering financial compensation for unanticipated expenses attendant to overseas travel, European travel insurance is obtainable in a wide array of types and levels, depending on the type of journey intended by the insured. Trip duration, itinerary items, and destination region all are factors in determining the type of coverage that will be made available for purchase. Often, policies covering shorter trips may be selected concurrently with the travel reservations. However, a more expansive policy of longer term may be advisable, and such coverage can also be found. Large insurance companies, cruise lines, travel directors are all viable conduits for purchasing this type of product. European travel plans are much more common as a package these days, especially since many Americans and Canadians travel to the EU region during periods like Spring Break and summer holidays.
Travel insurance for Europe is also often typically categorized by the sort of tourist to be covered. Like the EuRail pass system, European travel insurance can sometimes organized by euro-regions and country packages. For example, you might be planning only to visit Mediterranean countries like Italy, Spain, and Portugal, but not northern Euro countries like Holland and England. These customized European packages are a great way to save money! Adventurists, students, business travelers and vacationers all have different insurance needs, and policies are available that reflect that fact. Travel insurance often addresses expenses relating to emergency medical circumstances, dental services, accidental death or injury benefits, and where necessary, funeral costs when death occurs abroad. Exclusions common to this type of policy might include preexisting health issues and any injury or death occurring as a result of drug or alcohol usage.
Please keep in mind that European travel packages are very different from generalized worldwide travel insurance combo packages where multitudes of countries and regions are included at a discounted or “bulk rate.” In many cases, you are far more likely to get higher quality coverage from the European bundle packages because they provide specific coverage measures for the Euro-zone.