holiday destinations in countries such as Turkey, Egypt, Tunisia, Morocco and are very popular. When purchasing travel insurance for your trip or vacation can happen to you that some of these destinations can be categorized under the "Europe for insurance purposes. For example, the insurer may not include Turkey or Egypt as part of Europe under its policy, which means that they will be required to purchase a 'world' policy to be covered for travel to these areas.
The next time you buy travel insurance online, pay attention to the box with a question mark [?] In addition to the drop-down menu under the section marked "area" or "destination" or similar wording in the "Get Quote" odjeljak.Padajućeg menu usually gives choice, which will be worded differently from company to company and may include any of the following:
- Europe
- in the world (except USA / Canada)
- in the world (including USA / Canada)
- Australia and New Zealand
This is very important to choose an appropriate area for travel, and always make sure that any individual or business insurance does not exclude your destination country with the geographic region. This issue has come under scrutiny recently regarding the coverage of Turkey and Egypt, and whether countries are categorized as part of the Europe travel insurance purposes.
individual insurance companies and insurance rates can be different routes, so never assume that they are all the same. It is important to use the [?] Box when getting a quote online, and make sure you purchase the correct cover for your destination before you click 'Buy'. If you purchase insurance over the phone, you will be prompted for your destination country or countries and to correct the cover will be applied automatically.
insurance insurers typically rate geographical area based on a combination of factors, including:
- state stability
- Any potential threat to tourism
- medical expenses and repatriation
Many travelers can find the geographic areas and how insurers rate them and their associated risks is very confusing. Take North Africa, for example. Libya, Tunisia and Algeria are the neighbor, geographically speaking, and yet Tunis may be the only one of three that is classed as Europe for insurance purposes
Most companies make a distinction between the world of cover that contains in the U.S. and Canada, and worldwide cover that off U.S. and Kanada.Premija is obviously more to cover in the world, and often even higher to cover the world including the USA and Canada (mainly due to the astronomical cost of medical care and repatriation ).
It would come as a shock to a medical emergency while abroad, and then discover too late that the insurer does not cover your claim, because you chose the wrong area when purchasing travel insurance.
Most travel insurance automatically includes the popular tourist destinations such as Canary Islands, Azores, Tunisia, Turkey, Madeira, Egypt and Europe -. But always check the
eligible passengers in Europe holds the European Health Insurance Card (EHIC) should also do their research and be aware of whether or not the EHIC cover them for the rest. For example:. Turkey, although in Europe it is not part of the European Union (at the time of writing), and therefore EHIC is not valid
EHIC should never be used as a replacing for travel insurance, but carried out by on your insurance. The reason for this is because the EHIC cover is limited, and while it should cover most of the costs for all emergency treatment can vary from state to state. However, the EHIC does not cover many other potentially costly travel problems, such as lost or stolen luggage, liability claims, legal costs, or the need for air ambulance and medical repatriation (if you fly back home, perhaps on a stretcher with medical escort - all very expensive ).
standard rule of thumb for most traditional insurers is that Europe includes all countries in Europe ' west of the Ural Mountains, ". However, some insurers may at any time decide change their territorial boundaries and limits on the amount of claims received for those destinations in relation to the number of policies sold.
Do not get caught - never assume that a country in Europe that is automatically classified as Europe for insurance purposes
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