Accidents don’t just happen to other people. If you leave your country, it is essential to
take out travel insurance. Medical expenses abroad can cost you
extremely expensive, sometimes several hundreds of thousands of euros for
minor accidents or ailments.
Which travel insurance to choose
Reimbursement of medical expenses, repatriation, legal liability,
luggage or cancellation insurance: there are many criteria to consider before choosing
travel insurance. In general, insurance linked to bank cards is not enough
– remember to carefully examine the small lines. Cancellation insurance is sometimes taken into
account and covered by certain types of cards (in particular premium cards) but is
far from sufficient. The conditions are also sometimes unfavorable.
For these reasons, it is essential to take out independent insurance. Many
packages and packs exist with all-in-one solutions to allow you to
go out in the sun with a light mind and with the assurance (it is the case to say it) of not incurring
huge costs in the event of problems. The contracts are generally dense and
technical, but it is important to look into the guarantees offered by the various
insurers before committing.
There is an incredible variety of various and varied insurances and guarantees, up to the
sun guarantee: the tour operator allows you to change your mind if the
weather conditions are not advantageous. But when we decipher the general conditions
of this type of contract, we realize that they are far from advantageous with
shadows on the board or numerous exclusions.
There are two kinds of cancellation insurance: classic contracts which cover around
20 reasons (illness, redundancy) or cancellation insurance for all
justified causes (much broader coverage, such as being stuck in a
elevator and miss his plane for this reason). When you know that an intervention on a
broken arm costs around 20,000 euros in some Anglo-Saxon countries, it is important
to be prepared.
Different insurance depending on the destination
You obviously have to adapt your insurance to the destination and the activities you plan
to do in the host country. Ski holidays or mountain explorations must be
coupled with appropriate insurance. In the same way, trips to Canada,
New Zealand or the USA, where medical costs are staggering, must be coupled
with premium insurance: count around a hundred euros for contracts that
really allow you to travel with your mind light.
Also beware of Great Britain: as it is no longer in the European Union, you must
also make sure you take out good insurance before traveling there. It is tempting and
easy to have a weekend in London, but since Brexit, the United Kingdom is no longer
a member of the European Union, medical or repatriation costs will be entirely
Don’t save on travel insurance
Since travel insurance is entirely optional and at the discretion of tourists, it is
tempting to want to save money and take out a cheaper contract or even do without it
altogether. However, in some of the most popular tourist destinations, the
consultation in the emergency room (and only the consultation) can cost you extremely
We do not realize the cost of medical services because they are generally
paid for by the public service, but the costs incurred in the host country will
naturally not be paid by the taxes of its residents: everything will be entirely at your expense. .
Traveling to the United States is particularly expensive and it is unthinkable to go there
without taking out suitable insurance. A simple blood test with a doctor can
cost you up to 1500 euros.
In short: it is unthinkable to travel without taking out quality insurance that
will cover you in the event of force majeure in order to avoid unpleasant surprises and