Am I Covered When I Travel?

Traveling is one of the most enriching experiences life has to offer. Whether it’s a short weekend getaway or an extended world tour, exploring new countries and cultures broadens horizons and creates unforgettable memories. However, as we venture into the world, we must also be prepared to handle unforeseen events like illnesses or accidents. This is where international travel health insurance becomes essential.

Why is International Travel Health Insurance Important?

Many people assume their national health insurance will protect them abroad, but this is often not the case. German statutory health insurance covers only limited or no protection abroad. While EU citizens are covered for basic medical care within the European Union through the European Health Insurance Card (EHIC), this only includes basic medical services and does not necessarily cover all costs incurred in another country. Medical coverage can be even more limited in countries outside the EU.

Key reasons for having international travel health insurance:

1. Medical Emergencies: An accident or sudden illness abroad can quickly lead to high expenses. In countries like the USA or Canada, hospital stays are extremely costly.
2. Repatriation: Returning to Germany in the event of a severe medical emergency can be very expensive and is not covered by statutory health insurance without additional travel insurance.
3. Medication Supply: Access to necessary medications can be complicated and expensive, especially when specific treatments are required.
4. Hospital Stays and Treatment Costs: The quality and cost of healthcare vary widely worldwide. Insurance ensures you can receive treatment in the best available facilities.

Affordable Protection for a Year

One of the standout features of international travel health insurance is its affordability. For as little as €12 per person, you can be covered against the risks mentioned above for an entire year. This small investment provides immense peace of mind, allowing you to enjoy your travels without financial worries.

What Should a Good International Travel Health Insurance Policy Cover?

When selecting an international travel health insurance policy, ensure the following are covered:

• Unlimited Coverage Amount: It is crucial that the insurance has no cap on medical expenses to ensure comprehensive protection.
• Repatriation: Ensure that repatriation to your home country in case of illness is covered.
• Emergency Hotline: A 24/7 emergency hotline can be lifesaving in critical situations, allowing for quick and efficient assistance.
• Family Coverage: If traveling with family, the policy should cover all members.

Conclusion

International travel health insurance is not a luxury but a necessity for every traveler. It offers not only financial protection but also the assurance that you will receive the best possible medical care in an emergency. When planning your next trip, prioritizing the selection of a suitable insurance policy is essential. A good insurance policy allows you to enjoy your journey worry-free, knowing you are covered in case of an emergency.

For just €12 per year, you receive comprehensive coverage, providing financial security and peace of mind. Ensure you carefully review your insurance options and understand the terms to choose a policy that meets your individual needs. Safe travels!

To learn more and get personalized advice, click here to schedule an appointment with me. Safe travels!