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Travel Tips 2026-02-05 5 min
Do You Really Need Travel Insurance? A Honest Guide
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Travel insurance is one of those things you hope you never need — but when you do, it's invaluable.
When You Definitely Need It
- International trips outside the EU (medical costs can be astronomical)
- Adventure activities (skiing, diving, hiking)
- Expensive non-refundable bookings
- Trips to countries with limited healthcare
When You Might Not Need It
- Short domestic trips
- Trips within the EU (EHIC covers basic medical)
- If your credit card includes travel insurance
What to Look For
- Medical coverage of at least €1 million
- Trip cancellation coverage
- Baggage loss/delay coverage
- 24/7 emergency assistance
- COVID-19 coverage
How to Save on Insurance
- Compare policies online
- Buy annual multi-trip policies if you travel frequently
- Check if your credit card or employer already provides coverage
