Do you need travel insurance?
Travel Insurance do you really need it?
If you have no ties, then nothing can be more thrilling than planning a last minute get away. Jumping on a plane on friday evening and sampling another culture, such as Belgium.
There are many great hotels to choose from and so many flights from the UK, it is a very easy process.
Belgium as part of Europe falls under the European Health Insurance regulations. If you are visiting Belgium from another European Country, you are entitled to benefit from Belgium Health Service.
The Belgian healthcare system is one of the best in Europe. You do however need to have state and/or private health insurance to use it.
This is what the NHS have to say about visiting Belguim.
Your (EHIC) Card will enable you to access the necessary state-provided healthcare in Belgium at a reduced cost. Sometimes for free when on a temporary stay. The Belgian health authority determines what treatment is considered necessary and cannot wait until your return to the UK.
The EHIC also covers you for treatment of pre-existing medical conditions. This does not cover you if you are travelling for the express purpose of obtaining medical treatment. In this case, see our section about Seeking medical treatment in Europe.
The EHIC also covers you for routine maternity care, provided the reason for your visit is not specifically to give birth.
You may be forgiven for thinking that you don’t really need travel insurance when visiting Europe.
If you are just visiting for a weekend, then there is a case to be made for not bothering.
However in addition to medical expenses, travel insurance covers lots of other areas, that you hadn’t thought about.
If you trip is last minute, you may forget to check if your baggage is covered under your home policy. If you had an insurance policy in place, you could travel safe in the knowledge there is cover available.
What happens if you accidentally injure someone or damage their property. Travel Insurance can come to the rescue. Most policies will provide cover for up to £2 Million.
Ever been in a situation where someone tries to sue you. Legal expense cover under a travel insurance policy is designed for just such a problem.
Even if the medical cover is free or at least partially free. It’s nice to know your travel policy will still provide a daily allowance (up to £1000 in total) for the inconvenience of spending time in a foreign hospital.
Cancellation or Curtailment
Having to cancel a small trip or needing to come home early, probably isn’t the end of the world. Frustrating but not financially crippling. However for the small outlay of a travel policy, its good to know these events, however rare are covered.
In Conclusion, whilst I am sure many people visiting Europe do not bother with travel insurance. I would recommend for the small amount it costs, to take out a policy.
A single policy for a short trip will normally cost less than a round of drinks. If you are a frequent traveller, then an annual policy would be even more cost effective.
If you are not sure where to look, then you can compare all policies at Thatsinsurance