QUESTION: Which travel insurance should you choose?

Choosing a travel insurance policy is a crucial step in preparing for any trip, as your financial and medical safety abroad depends on the quality of the policy. The minimum standard package should include insurance coverage of at least thirty thousand euros, which is a mandatory requirement for obtaining a Schengen visa. This basic set always includes emergency medical assistance services, outpatient and inpatient treatment, as well as transportation or medical evacuation back to your home country.

When choosing a policy, pay special attention to parameters such as the deductible and the list of exclusions from insurance coverage. A deductible is the amount you pay out of pocket when an insured event occurs, so an option with a zero deductible is always the most preferred. Carefully read the sections on exclusions, which often include chronic conditions, injuries sustained while intoxicated, or extreme sports.

For fans of active recreation, downhill skiing, diving, or trekking, it is essential to purchase a separate extended option. To compare prices and conditions of various insurance companies, it is convenient to use specialized aggregators such as Sravni or Cherehapa. After purchasing the policy, be sure to save the 24/7 hotline number of the insurance company and your contract number in your mobile phone's memory.