Nobody likes paying for insurance — until something goes wrong. A hospital visit abroad can cost thousands, especially in the United States, Japan or on a remote island.
What travel insurance usually covers
- Medical emergencies and hospital stays abroad.
- Emergency evacuation back home if needed.
- Trip cancellation or interruption (depending on the plan).
- Lost or delayed luggage.
When you definitely need it
- Travelling outside your home country’s health system.
- Adventure activities: hiking, diving, skiing, riding a scooter.
- Long trips or expensive non-refundable bookings.
- Some countries require proof of insurance for a visa.
How to choose the right plan
Check these points before you buy:
- The medical cover limit (higher for the USA).
- What is excluded: pre-existing conditions, scooters without a licence, extreme sports.
- The excess you pay for each claim.
- How easy it is to claim — online claims are a big plus.
Does my bank card cover me?
Some premium bank cards include travel cover, but often with low limits and strict conditions (for example, the trip must be paid with the card). Read the details before relying on it.
Our advice
For most trips, a simple policy with strong medical cover is the best value. Nomads and long-term travellers can choose monthly subscriptions. Compare travel insurance plans here.
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