How-to

Travel insurance: why you need it and how to choose it

What a policy covers, when it is compulsory and what to do when something happens.

Why you need it

Treatment abroad is expensive: Even an ordinary doctor's visit can cost a great deal. A policy covers those costs.
Compulsory in some countries: A Schengen visa, for example, requires a policy with cover of at least 30,000 euros.
Peace of mind: If something unexpected happens, you know who to call.

What to look at when choosing

Amount of cover: It should match the destination's requirements and what medical care costs there.
Dates: The policy should cover the whole trip, from the day you leave to the day you return.
Active holidays: Skiing, diving and similar activities are usually added separately.
Excess: This is the part of the cost you pay yourself. Check the contract to see whether there is one.

If something happens

Call first: Before seeing a doctor, call the assistance number on your policy: they will tell you which clinic to use.
Keep the paperwork: Take every receipt, certificate and prescription.
Have the policy to hand: Keep its number on your phone and on paper, and send it to your travel companion.

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