Do I need Medical Travel Insurance for Europe?

 If you’re planning a trip to Europe, you should know that your government health insurance plan won’t fully cover you abroad. In fact, anytime you travel outside of your province, you may not have full coverage. And in a world of even greater unknowns, newly opened after a global pandemic, medical travel insurance is essential. Here’s why you need medical travel insurance coverage for your next trip to Europe and how Allianz Global Assistance may help. 

The Swiss mountain town of Lugano, nestled in the Alps near the northern Italian border, is known for its epic hiking trails. Let’s say you’ve taken a particularly challenging and winding route and you have fallen and badly sprained your ankle. Allianz Global Assistance may cover medically necessary emergency transportation to the nearest healthcare facility, and emergency medical benefits for losses due to covered medical and dental emergencies, with 24/7 assistance. And suppose you’ve sustained a more serious injury, and continued treatment at home is medically required, medical travel insurance by Allianz covers medically necessary transportation back to Canada.

When you’ve had a medical emergency abroad, there’s a lot of important things to take care of besides your health. If you were travelling with your pet, Emergency medical plans by Allianz offer reimbursement for transporting your furry companion home, within the limits of your policy. We may also cover the cost of meals or accommodations, within the limits of your policy, if you and a travelling companion are delayed beyond your return date, or are receiving medical attention. Our travel assistance team is available 24/7 and can also assist with logistics such as keeping close family up to date on your medical condition following an emergency, and can assist with wiring money to your location.

Our plans accommodate a broad range of trip lengths and budget needs. If you’re planning on taking two or more trips a year, our annual comprehensive travel insurance plans or our annual emergency medical travel insurance plans may make the most sense for cost value and coverage needs. Our comprehensive travel insurance plans cover an unlimited number of trips annually for a single fee, up to 15 or 35 days per stay. We also offer annual emergency medical travel insurance that also covers an unlimited number of trips annually, but extends the maximum length of each trip to 4, 8, 15, or 35 days.

It’s a good idea to consider purchasing travel insurance for more than medical needs. Our comprehensive travel insurance plans combine trip cancellation and interruption, and baggage loss benefits with medical coverage. Trip cancellation benefits reimburse you for eligible covered, non-refundable expenses in the event that your trip is cancelled, delayed or interrupted for a covered reason. Our baggage coverage may reimburse you for certain costs related to damage, theft or loss of your baggage. And if your baggage is delayed by at least eight hours, we may reimburse reasonable costs, as outlined by your policy, for purchasing essentials.

Get a quote today to find out how to make your next European getaway blissfully stress free.

Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies, administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc.

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