Getting Health Cover for European Trips

There is always something that you forget before going away, but that thing should not be health cover. Nobody plans on getting sick or injured while they are away from home, but it happens and if you are not properly covered then the cost can be very high.

Taking time to work out how you will cope should something go wrong is an essential part of preparing for any trip. Though you can expect to find a good quality of health care throughout Europe, and there are not many of the concerns that there are in other parts of the world, it is most certainly no exception.

European Health Insurance Card

For UK residents there is are some reciprocal health insurance arrangements with a number of European Union and EEC countries. The extent of what is covered varies by country, but having a valid European Health Insurance Card (EHIC) is essential.

Getting an EHIC is fairly straightforward.  As long as you have a National Insurance number the process can be done online or over the telephone. Temporary NI numbers are not valid. For those without a National Insurance Number a ‘NHS Number’ can be given instead.

If you are taking your family abroad it is essential that you get an EHIC for every member. The cards are only valid for individuals.

What the EHIC covers will depend on the country. In some it will cover only emergency treatment, and in other s it will cover a lot more. Typically the card just allows treatment to be delivered at a lower cost, and of course does not cover any costs such as repatriation. As such taking out insurance is the only way to avoid large bills for sure.

Checking the small print

There is no shortage of providers for travel insurance. It is even given away as a freebie with some credit cards and bank accounts. Unfortunately the sad truth is that a lot of these insurance policies turn out to be worthless when it comes to actually making a claim.

It is vital to read through all the terms and conditions of any travel insurance policy in order to know whether you and your family will be covered. Some policies will not actually cover all medical expenses, and other may not pay out if you are injured while taking part in sports such as skiing.

Even if you have travel insurance that is fairly good for covering things such as cancelled flights and stolen luggage it can be worthwhile signing up for a dedicated medical policy. This typically covers a much wider range of potential expenses – including hospital accommodation, which is often charged separately. Other things that can be covered can include emergency dental treatment and even cancer treatments, which a general policy will often not run to.

Be Warned! Vacations Scams Do Exist

Everyone has seen commercials and other advertisements for can’t miss travel deals. It’s not hard these days to find a legitimate travel deal on almost any type of vacation. But what about the travel deals that aren’t legitimate? There are tons of those out there that catch unsuspecting people every single day. Most people love to travel, and with the economy in the toilet, they’re constantly looking for new ways to save money and still go on vacation. People should be mindful of a few things before going with any type of travel deal. This will save heartache and trouble while keeping money in your pocket.

Never Pay Any Type of Money up Front Without Verification

The major travel deal sites require the buyer to pay up front for their vacation deals. There’s a big difference between these companies and others – they’re highly visible. Companies such as Expedia and Travelocity couldn’t get away with scamming buyers if they wanted to because their commercials are all over television. So what about those smaller companies that everyone may not have heard about? Those may very well be legitimate also; however, it will take some research to verify that they do indeed offer what they say they will.

Read up on the Experiences of Others

Any company worth their salt will have reviews all over the Internet. If they’re reputable, you shouldn’t have any problems finding out about them because people know about them and will be glad to share information. If you come across pages talking about the company in reference to a travel club scam alert it may be best to bypass this company. If many people are saying they’ve been scammed, it may or may not be absolutely accurate, but it’s not worth your trouble if these reviewers just so happen to be right.

Companies that are upfront and honest lay out all of their terms, offer refunds or if not explain why, and make the entire process of booking simple and straight forward. If you run into a company that uses vague or fishy language, it may be time to sound the travel club scam alert. Companies that stand by their product have nothing to hide and will be more than happy to explain anything you don’t understand. Also, always live by the old adage, if it looks and sounds too good to be true, it probably is.