Why Travel Medical Insurance Matters Abroad

When planning a trip, we often think about tickets, hotels, and excursions — but forget the most important thing: medical insurance. Abroad, even a simple doctor’s visit can cost hundreds of euros, while hospitalization may run into thousands. A travel policy covers these expenses and ensures access to proper medical care without financial stress.

Types of Medical Insurance

1. Basic Travel Insurance

   • Covers emergencies: doctor visits, hospitalization, surgery.

   • Often includes repatriation in serious cases.

2. Extended Travel Insurance

   • May also cover baggage, trip cancellation, or flight delays.

   • Recommended for long stays or business trips.

3. Sports (Active) Insurance

   • Designed for skiing, snowboarding, diving, surfing, or other activities.

   • Covers injuries and risks connected to sports.

Difference Between Standard and Sports Insurance

• Standard insurance does not cover risky or extreme activities. An accident on the ski slope may not be paid out.

• Sports insurance is tailored for active holidays and protects you from unexpected expenses.

✅ Bottom line: medical insurance is not just a formality — it’s your safety net. For active travel, always choose a sports policy.