Should I Purchase Travel Insurance For A Trip To Europe?

Keli W. Rodriguez
Travel Insurance For Trips To Europe – Forbes Advisor

You may meet unanticipated circumstances even when you meticulously plan your international travel. Add to this the concern of dealing with difficulties such as hospitalisation in a foreign country owing to exorbitant medical bills, and your trip plans will halt.

From Austria’s picturesque splendour to Romania’s architectural marvels, Europe is a never-ending adventure with unique experiences. Regardless of which of these gorgeous nations you visit, you will return home safe and well with a wealth of memories. So, why delay? Pack your baggage and board the adventure train to this soul-stirring region with the right travel insurance international policy.

Advantages of Getting Travel Insurance for Europe

It would help if you got an appropriate international travel insurance policy to offer adequate financial protection against various unplanned situations during your journey to Europe. While selecting a plan, it is advisable to choose extensive coverage. It can provide travel health insurance, incidental costs, luggage loss or delay at airports, etc.

Here is a summary of the most important advantages of obtaining travel insurance for Europe from India:

  • You can receive compensation for missing or delayed flights.*
  • You can obtain protection against legal obligations, passport loss, etc.*
  • You may receive hospitalisation, repatriation, and evacuation coverage in a medical emergency.*
  • You can obtain insurance against personal obligations. You might use cash advances to survive abroad if your wallet is lost or stolen.*

In the event of a prolonged business trip abroad, you can extend your hotel stay, in addition to additional advantages outlined in your insurance paperwork.*

How Will You Choose the Best Travel Insurance International Policy?

With so many travel insurance carriers accessible online, choosing the right one may be tricky. Consider the following guidelines when selecting the best travel insurance policy for your next trip:

  • Constantly Give Your Need Priority

After determining your budget, you must determine your needs. You may eliminate from your list the insurers who do not provide travel plans that meet your needs.

If you are considering a vacation to Europe, it is recommended that you select a travel insurance provider that provides supplementary coverage for adventure sports. Hence, it is one of the essential points to consider when selecting a travel insurance provider.

  • Cancellation Policy

It is vital to comprehend the cancellation policy. Cancelling a vacation due to an emergency may be a challenging experience. Hence, you must review an insurer’s cancellation rules. You can also choose to purchase a trip cancellation add-on, which will cover the cost of your prepaid costs and return tickets.

  • Compare Online Travel Plans

Online comparison of travel insurance coverage is one of the finest ways to choose a policy. Consider compiling a list of the top firms to see the cost of travel insurance that suits your budget and provides the most advantages. Also, you must consider elements like total insured, inclusions, exclusions, supplemental covers, etc.

  • Examine the Ratio of Incurred Claims

You must first research the insurer’s past and history. You must assess the Incurred Claim Ratio (ICR) to determine the company’s financial health.

It is expressed as a percentage, and an optimum ICR spans from 80 to 100 per cent. The IRDAI releases the ICR of all insurance firms in India yearly.#

  • Policy Length

Depending on the length of your journey, you may choose between a single-trip or multi-trip travel insurance policy. A single trip coverage typically covers one trip, which may be your annual holiday. In contrast, multi-trip coverage is ideal for those who travel throughout the year.*


Europe can entertain you with its rich history and enthralling cuisine. You should get travel insurance to protect your vacation if you want to travel to Europe. It will safeguard you financially if something unfortunate occurs.

*Standard T&C Apply

# Visit the official website of IRDAI for further details.

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

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