Hopefully, your trip to (or within) Europe goes without a glitch. But what if an unexpected situation arises? Will you lose the money you invested in the trip? Will you need quick cash to cover sudden costs?

Travel insurance policies are meant to cover these unexpected costs and assist you when problems arise. The fee is typically based on the cost of the trip and the age of the traveler.

Most travel insurance providers offer comprehensive coverage that usually includes protection for the following common events:

Trip Cancellation

About 40 percent of all claims fall in this category.

Medical

Travellers within Europe from European Union member states should obtain an EHIC (European Health Insurance Card) card which entitles them to healthcare on the same terms as citizens from the country they are visiting. This is a reciprocal agreement which means, for example, that EEA visitors to the UK will receive free care in NHS hospitals in the same way that UK residents do. Some countries e.g. France make a charge known as a patient contribution for GP visits or stays in hospital for both their own citizens and visitors from the EEA. Even so, travellers are well advised to have additional medical insurance to cover for example the cost of repatriation, mountain rescue in ski resorts and other emergencies.