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The Importance Of Comprehensive Travel Insurance For Europe Travel

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Europe is known for having some of the most beautiful travel destinations in the world. These places are known for their culture, diverse history and well-preserved mountains. Europe has attracted a lot of tourists over the years. Some places in Europe belong to the Schengen Zone, so to obtain your visa, you will need Schengen travel insurance.

Almost all the countries in Europe are known for their stunning infrastructure and high standards of living. Getting comprehensive travel insurance is one of the primary requirements for visiting Europe. But why do you need it? Let's explore the importance of comprehensive travel insurance for European travel.

Importance of Comprehensive Travel Insurance For Europe Travel

International travel insurance for Europe can cover you against a wide range of risks. With the specialised insurance policy, you will be financially covered against major problems like baggage-related losses, travel-related losses, medical emergencies and more.

The importance of comprehensive travel insurance for European travel is as follows:

1. Financial protection

Europe is one of the most expensive places to be. Whether it is baggage loss, document loss or medical emergency, getting support can be extremely difficult.

However, with travel insurance online, you'll get to stay protected against those risks. If any such situation arises, you wouldn't have to pay for that out of your pocket. The insurance will cover it.

2. Strikes can disrupt your trip.

Strikes are very frequent and common in airports, with workers protesting or walking out. These disruptions may be harmless, but they can often lead to trip delays, missed flights, and you may also have to change your plans at the last minute.

With comprehensive travel insurance, you get a protective cushion against such issues. Accommodation costs, rebooking fees and all the other non-refundable components will be reimbursed.

3. Trip cancellation and curtailment

Your trip to Europe is going to cost you slightly more. Therefore, if you have to cancel or shorten your trip due to any emergency, you'll have to pay for it. In some cases, some of your bookings are non-refundable.

So, does that mean you lose all the money? You won't have to if you purchase comprehensive travel insurance online. The insurance would offer reimbursement for flight bookings, guided tours and even accommodations. Therefore, you can adjust and manage your bookings without losing a significant amount of money.

4. Minor crimes and personal liability

Crowded destinations in Europe are often prone to petty crimes like pickpocketing and so on. If you're carrying any expensive or valuable items with you on your European trip, it is advisable to take precautions to ensure their safety. But what if any of these items get damaged or lost?

A comprehensive international travel insurance will provide you with high coverage for high-value electronics. Unlike basic insurance, you wouldn't have to pay the maximum amount. With comprehensive coverage, you will receive maximum compensation from your insurance. Therefore, you can enjoy your trip stress-free without risking your valuables.

5. Cancellation or disruptions during ferry or train services

Ferry and train are major sources of travel in Europe. However, these modes of transportation are often prone to disruptions because of strikes, bad weather or malfunctions.

Travel insurance will therefore provide you with compensation in these cases. Whether the service is delayed or cancelled, you can file the claim and get a refund. It will also help you get reimbursement for alternative arrangements, such as new accommodation or travel. As a result, you wouldn't have to face any challenges during the trip.

6. Lost or delayed baggage can disrupt your entire trip

Would you be able to continue your trip without your baggage? That's literally impossible. However, luggage delays and losses are more common than you think. If this happens, your entire itinerary is detailed. This problem is likely to happen when you're covering multiple countries in your itinerary.

Basic travel insurance usually covers this problem, but may not offer sufficient coverage, especially when you're travelling across multiple destinations. On the other hand, with comprehensive travel insurance, you can get higher coverage for unfortunate situations like baggage delays, loss and theft. Once you receive financial coverage, you can purchase and continue your journey without any financial problems.

If you’re travelling to Europe only for a short trip, learn all about it in our blog, Travel Insurance for a One-Week Europe Trip.

Example

If you're travelling to one of the 27 Schengen countries, you're likely to have your visa rejected if you don't have any of the documents. Schengen travel insurance is one of them. With comprehensive travel insurance, you can go around exploring the places. The comprehensive insurance policy will offer you protection for medical emergencies and more. You can therefore embark on your journey easily without difficulties.

Conclusion

Travelling to Europe can be a fun experience. However, it is slightly expensive. It is best that you secure it with travel insurance. With the right insurance plan, you can be assured that you're protected against all significant risks. From medical emergencies to baggage and document loss, the travel insurance will cover it all financially without having to pay it out of your pocket.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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