Have you packed your bags to travel across the ocean? Did you buy the flight and book the accommodation along with the train and bus transfers? Now it's time to comply with the mandatory and necessary requirement: hire a travel insurance in Europe with adequate coverage.
But, do you know what you need to take into account to choose a second complete coverage for your needs? Let's help you with that.
Insurance or travel assistance? What's the difference
Even though people usually think that the two services are the same, there are differences between one and the other, in reference to who makes the payments for the services at the time they are made.
If the tourist hires a Travel insurance and need to use the policy, must pay for the medical or pharmaceutical service at the time of attendance and keep proof of payment, medical expenses, reports, invoices and any document that proves the expenses. Once back in your country, you will need to contact the insurance company to request a refund.
The advantage of this type of coverage is that the traveler can choose the place of service, but in addition to having to keep proof of expenses very well, he will have to have money at the time of medical attention.
THE travel assistance works differently. According to coverage, in this type of service, when the tourist is going to use the policy, it will not be necessary to pay anything at the time of service, because the insurance company will bear all expenses. The passenger should contact the company to inform what is happening and the employee will indicate where to go to be attended.
The benefit is that you won't have to leave a penny at any hospital or clinic, since all expenses will be covered, but you will not be able to choose the place of service either, as it will be pre-established by the insurance company. This service is similar to the medical plans we have here in Brazil.
Mandatory European travel insurance coverage
To enter and stay in the “Old World” tourists are required to have a series of documents that guarantee trouble-free entry. One of these requirements is the requirement to have health insurance.
Even if you are looking for cheap travel insurance in Europe, always keep in mind that there are some European countries where tourists must have travel insurance with a minimum coverage of EUR 30,000, or its equivalent in dollars.
Since the average daily spend in Europe can be a little high, relying on this type of travel assistance is a guarantee of peace of mind for passengers, as it not only guarantees safety in the face of illness or accidents, but also avoids unforeseen expenses.
Travel insurance and travel assistance for Europe includes urgent and emergency medical and dental care, and also covers pharmaceutical expenses, companion in case of hospitalization, sanitary or funeral repatriation, accommodation after hospital discharge and transfers, as needed.
In fact, there are plans that also offer additional benefits, such as reimbursement for flight cancellation or delay, location and replacement of luggage in case of loss, ticket rebooking for reasons of force majeure, advance payment of bail or legal expenses, among other possibilities.
European countries where travel assistance is mandatory
The countries of Europe where it is mandatory for tourists to have travel insurance are those who subscribe to the Schengen Treaty. This agreement not only establishes the free movement of people and the opening of borders, but also requires foreigners to have health insurance with coverage of at least EUR 30,000.
Countries that are part of the Schengen Treaty and require insurance
trip are: Germany, Austria, Belgium, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Czech Republic , Sweden and Switzerland.
How to choose the best company to buy travel insurance to Europe
Want to know how to choose the best insurance company and buy health insurance for Europe? Check out these tips:
Check the company's reputation
Search what appears on the web when you enter the name of the company, to see if you have had any case (or cases) of problems with users or with institutions that regulate its operation.
Check the comments on the web
To find the best Europe travel insurance it is always a good idea to research the opinions of other customers. Review user comments on insurers' pages and join specific travel assistance forums.
Prefer companies with an international presence
It's no use choosing an unknown company just because it offers cheaper travel insurance to Europe. Hire your assistance with companies that have international representations, preferably in the destination countries. If you have any health unforeseen, having a policy with a company recognized in the country will guarantee better care.
Choose those that offer different types of plans
When purchasing travel insurance to enter Europe, in addition to the basic coverage required by the Schengen Treaty, it is always better to contract with companies that offer different types of plans, especially when special coverage is required, as in the case of elderly people or pregnant women.
Having a variety of plans to choose from will allow you to choose the policy that best suits your needs.
Advice when choosing your health insurance for Europe
The time has come to buy travel insurance to explore the different cities in europe? Haven't decided which one to buy yet? So we give you some advice:
Use an insurance comparator with multiple options on insurance companies
The insurance comparison tools available on the web will be your allies to find cheap travel insurance in Europe and convenient at the same time. Just fill in the destination, departure and return dates, the age of the passengers and the duration of the trip and that's it: the comparison will be made!
Most policy comparators in Brazil, only offer travel insurance service, not travel assistance, so we recommend checking this out. If you decide to buy travel assistance with the features we explained to you before, the comparator insureyourtravel.com is one of the few that offers policies from several companies with the mentioned characteristics and at a good price.
Compare the cost of policies and their coverage
The cheapest is not always the best. Check coverage limits and fringe benefits and pricing to get the best insurance in terms of cost and benefit.
If in doubt, talk to the experts
The attendants of insurance companies have the experience and knowledge to guide you on the plan that best suits your needs. Explain in detail what you need and listen to their advice.
Take into account the characteristics of your trip, activities you will undertake and pre-existing health conditions
Are you traveling for an extended period? Will you do risk activities or adventure sports, such as skiing or abseiling? Do you have any specific illness?
If you answered “yes” to any of the questions, consider purchasing a plan that offers coverage for these situations.
If necessary, purchase additional coverage
It is never too much to invest in plans with extra benefits, such as coverage for trip cancellation, flight delays, lost or stolen luggage, especially when tourists have specific dates to take a vacation or have a very tight budget.
Dica extra para reservar hotéis
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Para economizar com voos, consultamos primeiro as passagens aéreas na MaxMilhas, - quase sempre encontramos os melhores preços tanto no Brasil quanto no exterior. As passagens podem ser emitidas mesmo para quem não tem milhas aéreas.
Outras dicas úteis
Encontre informações úteis sobre os best destinations do mundo, com guias de viagens especializados sobre diferentes places to visit in Brazil e no exterior. São milhares de travel tips com sugestões de onde ir na sua viagem, recomendação de hotels, notícias atualizadas e muito mais.Precisa de um carro na sua viagem? Encontre aluguel de carro na Rentcars e cote modelos diferentes podendo ser parcelado em até 10x. Já para passeios e ingressos antecipados, fechamos tudo sempre pela Get Your Guide.
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