Should i get travel insurance policy,before arranging any trip to europe? Why?
Reply to this Hello Suzanne 😊
Are u from a European Union country? If so u can get free medical insurance for when u are in other European Union countries. At least u can if u are from Ireland or England. I presume the same applies to all the other EU countries.
I never bother to get insurance for my stuff. If it goes missing I just buy more. I think if I got insurance for it everytime I travel the insurance cost would add up to cost more than replacing anything I lose.
Mel
Reply to this I always get travel insurance and the British post office do a good multi trip policy one fee per year for as many trips as long as they are under a certain length of time each.
I always insure incase. I have travelled to Thailand and I really feel that you need insurance when you go to "poorer regions of the world" but for my trip from Australia to UK I booked the trip on my credit card and paid a small excess and i am covered on the bulk policy with the credit card. I think it cost us less than $60AUD for the whole trip.
Angie
Reply to this Make sure that if you rely on the free medical treatment - it's the E111 European reciprocal agreement - that you fill in any paperwork required.
I agree with Mel on the covering of belongings - if you are careful with your belongings the insurance is in the long run more expensive than taking the risk of paying for new items when lost/stolen - but I personally never travel without medical expenses insured - even if for a short trip.
A small accident can ramp up amazingly high medical costs very very quickly - and in the event of repatriation could cost tens of thousands of dollars.
Reply to this I own a travel planning company and I just had a client traveling through Europe who was very thankful she had travel insurance. I obviously cannot give away details but she became quite ill while traveling (as far as I know it had nothing to do with her travels, simply an unfortunate coincidence) and we had to rearrange her trip so that she could stay in one city and see a specialist there. In addition to her medical bills, she lost money on one of the hotels that she had to cancel. Luckily, she has travel insurance and both her and I were able to call their toll free/international number and inform them of the situation and get their advice on how to handle it all. There are several forms of travel insurance, the most expensive being the "cancel for any reason." If you are pretty sure you aren't going to cancel (or if you are it would be a reason that is covered under the general insurance), then you can take the cost down a good deal and it will still cover things such as medical, emergency evacuation, baggage loss/damage/delay, etc. I probably sound like a travel insurance company, sorry! It just kind of comes second nature from discussing the pros and cons with clients on a regular basis.
Reply to this Yes it is in my opinion. the EHIC card (replaced the old E111) only allows you to the healthcare that the people in that country get.It is not FREE medical insurance!! Not what you get at home. Let's say you (heaven forbid) get taken into hospital. YOu would have to pay daily charges to stay there. You won't get that back. You may have to pay a percentage of your treatment. In a slightly less dramatic scenario, medication is not refunded at 100%. In a worst worst case scenario, travel insurance pays for repatriation. Would you want to spend weeks on end in a foreign hospital, even if it was in Europe, where you might not speak the lingo well, and it would be hard for family to see you? I wouldn't!! Aeromedical evacuation costs a huge huge amount of money. Even French people pay for top up cover via their mutuelle insurance companies because the government does not pay the full cost of medical treatment.
I have an annual policy at the moment. If i claimed on it in a european country, I would not have to pay the excess because the company would claim money back on the EHIC scheme. And i have the peace of mind of a 24 hours emergency number.
My dad is in insurance so I have been brought up with the safety first ideas but if it did ever come to claiming on it you would not regret paying for the insurance. It can be quite cheap for a short single trip. Mine covers all sorts of stuff like losing my glasses or having my laptop nicked but I live abroad. You don't need that level of cover, just enough to cover emergencies.
Reply to this 
