Travel Insurance: Do You Really Need It? Guide

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

Read also: your flight delay compensation rights, how to find cheap flights in 2026 and our carry-on-only packing guide.