Travel insurance: how to choose the right coverage

Travel insurance isn’t a one-size-fits-all safety net. Policies can vary dramatically depending on destination and type of trip—Schengen visa applications require proof of coverage, but for most countries, insurance is optional and self-managed.

Always check your destination’s requirements before you buy. For more resources on trip planning, read our guide to preparing the right travel documents.

Medical expenses, emergency repatriation, personal liability, trip cancellation, and baggage protection are the top essentials. For a two-week trip, expect premiums between €30 and €70, depending on age and coverage level.

• Emergency helpline available 24/7
• COVID-19 and pandemic coverage
• Remote telemedicine access

Visiting the US or Japan? Medical bills can reach tens of thousands euros—don’t underestimate the potential expense. Read our Japan itinerary tips for more context.

Solo travelers, families, and couples all have different needs. A family’s policy may cost €120–€250 for two weeks, but often includes valuable extras like child-specific medical care. Tight budget? Compare limited coverage plans and review our cheap travel saving tips.

Not everything is covered. Most policies exclude pre-existing conditions, alcohol-related incidents, or risky activities. Read the exclusions closely, especially if traveling with kids (family travel planning).

• Late claim submission may void your coverage
• Required documents: invoices, medical certificates, police reports
• Reimbursement delays: usually 2 to 8 weeks

If something goes wrong, notify the insurer as soon as possible. Keep all receipts and documents. Baggage loss claims often have a 5-day window, while cancellations allow 15 days.

For more advice, read our international packing checklist and our insights on traveling solo safely and affordably.