Travel insurance: a necessity?
Before going abroad, is it important to take out travel insurance ? Editus.lu makes the point for you so that your stay happens in the best conditions!
Cancellation insurance
This type of insurance allows you to cancel your trip until the last moment and get it back. You will see that on airline sites, you are always offered one when booking a flight.
Nevertheless, before taking any insurance of this kind, read carefully the conditions : you will see that some grounds for cancellation are not taken into account and therefore, in certain specific cases, no refunds are made.
Note that if you are in possession of a Premier or Gold credit card , it is advisable to book your transport and your accommodation with: it will cover you in case of cancellation of your stay. No need, therefore, to take a cancellation insurance in addition if you hold such a card.
Auto insurance
If you rent a vehicle (car, motorcycle, etc.) During your trip, contact your insurer before your departure to find out if you are also covered outside the borders of your country of residence .
If this is not the case, take car insurance at the time of booking your means of transportation. You will be protected if you commit a car accident, or if you are the victim of an accident committed by an uninsured driver.
Before you leave, to avoid disappointment once there, find out if your permit is valid in the country you are visiting.
Health insurance
Abroad, you may fall ill or have an accident. So as not to have a bad surprise, and thus be able to get treatment locally without having to pay astronomical sums from your pocket, take out health insurance .
If you are traveling in Europe, get the European Health Insurance Card , it will allow you to prove that you are covered. On the other hand, if you go to another continent, consider subscribing a complementary mutual . Without it, it is likely that you have to pay the medical expenses incurred, without being sure to make you pay back the full amount once back in your country.
Repatriation insurance
Victim of an accident or extremely ill, it is possible that you need to be repatriated to your country of residence. Since a repatriation can cost thousands of euros, it is better to take this type of insurance before traveling.
Depending on the formula chosen, relatives with you will also be repatriated. You will also see that some insurances also cover search and rescue costs.
Luggage insurance
Nothing worse than finding yourself in a foreign country without your suitcase! If your luggage is lost, or any items in it have been stolen, this type of insurance will cover the difference between the amount reimbursed by the borrowed transportation company, and the purchase price of lost or lost property .
Weather insurance
Do you have to cancel the hot air balloon ride that you booked because of a bad weather? Thanks to a weather insurance, the amount of this activity (or any other activity depending on weather conditions) will be refunded to you in whole or in part (check the conditions of your contract).