The risks you assume when traveling abroad are variable, depending on the destination you choose and the means of transport. This is obvious. Taking this into account, it is important that you consider the coverage offered by the insurance you have contracted, that you review them or that you contract travel insurance with additional coverage in order to have some coverage that is essential and that can save you a lot of problems ( and a lot of money) in case something unexpected happens.
Essential coverage in travel insurance to travel abroad
Next we are going to see what are those coverages that you should contract whenever you travel abroad . Some of them may already be included in one of your insurances or you can extend them (health, life, car, etc.). Others can be contracted as independent insurance or within travel insurance.
If you travel abroad and suffer an accident or an unexpected medical problem (fractures, serious injuries, heart attack, etc.), you will have to face the medical expenses incurred.
If you travel to a country of the European Union, you must apply for the European Social Security health card to be able to access public health services. In any case, contracting medical care coverage that covers medical expenses can be very useful since, without having a very high cost, it can solve many problems, and even more so when you do not know well how the public health system of the country you are visiting works. you travel
Keep in mind that the European health card entitles you to receive the necessary health benefits during temporary stays in all the countries of the European Union, as well as in Norway, Iceland, Liechtenstein and Switzerland, related to emergency medical treatment, chronic illnesses or pregnancy. and childbirth. However, some benefits are excluded, such as the treatment of previous illnesses or injuries, as well as repatriations.
And if you travel outside of Europe, this coverage is essential, especially considering how expensive health costs are in some countries (for example, in the United States).
An accident or illness can not only put an end to your trip, but can also mean the inability to return home on your own feet or even death. For this reason, repatriation coverage is essential, not only because they cover the expenses of returning home, but also because they take care of all the paperwork.
Credit card coverage
Normally, credit and debit cards are always insured, in one way or another, for example, by the bank itself, the life insurance or the travel insurance that you have contracted. But if you go on a trip abroad, these coverages may be insufficient. For this reason, it is important that you review your insurance coverage, especially with regard to conditions and amount of compensation.