Secure your vacation: The best travel insurance at a glance!

Secure your vacation: The best travel insurance at a glance!

Vacation should be a relaxing time without obligations, but careful planning is necessary, especially when it comes to protection abroad. Before traveling, vacationers should find out comprehensively about suitable insurance so that they do not face financial difficulties in an emergency. Unforeseen events such as injuries or illnesses can quickly become expensive, especially during a stay abroad.

According to information from rp online Holidaymakers who are injured abroad, for example if they break a leg, have to bear the costs of return transport themselves. People with statutory health insurance are entitled to medical treatment in EU countries as well as in countries such as Switzerland, Norway or Great Britain if they show their European health insurance card. However, if treatment costs are higher in the country you are traveling to, the difference in amounts can quickly represent an unwanted financial burden.

The importance of international travel health insurance

Private international travel health insurance is strongly recommended, especially for trips outside the EU. While holidaymakers can benefit from social security agreements in some countries such as Tunisia and Turkey, the need for additional insurance remains. Private international travel health insurance covers not only doctor's visits and inpatient treatment, but also medical transport and certain dental treatments.

The costs for such insurance are usually in the low double-digit range per person per year. If you compare the offers on platforms such as Stiftung Warentest, you can also benefit from annual insurance for frequent trips, which is often cheaper. Trip cancellation and interruption insurance is particularly useful for expensive vacations, older travelers or families with children.

Special services for travelers

An additional advantage offered to holidaymakers is the free Air Doctor service, which is integrated into the international health insurance. This service from ERGO quickly finds the right (specialist) doctor in the area and enables cashless billing of treatment costs. If the service is not used, the costs must initially be borne by yourself, but can later be submitted online for reimbursement.

For inpatient treatment, the insurance company's emergency call center guarantees that the costs will be covered by the hospital. In addition, the emergency call center also organizes medically appropriate return transport if necessary. These services highlight the importance of ensuring comprehensive coverage when traveling abroad.

In addition, family insurance offers protection for individual family members, even if they travel alone. Luggage insurance, on the other hand, often proves to be unnecessary, as liability for lost luggage usually lies with the airline. Private liability insurance usually also applies when you are on vacation, which means that special insurance is often not necessary.

In conclusion, careful planning of travel insurance not only ensures a relaxing vacation, but also protects against unexpected financial burdens.