Does my credit card insurance cover me?

Often, credit card insurance only covers 'trip cancellation' and lost luggage, not medical emergencies. Read the fine print of your cardholder benefits carefully—if it doesn't mention 'Emergency Medical' with a specific dollar limit, do not rely on it.

Should I buy insurance through the airline?

Avoid airline-provided insurance. It is almost always 'cancel for any reason' coverage that lacks robust medical benefits. Buy from a specialized travel insurance broker instead.

Choosing Medical Travel Insurance for Europe

Look for a policy that offers a minimum of $50,000 in emergency medical coverage and at least $100,000 for medical evacuation. Ensure the policy specifically includes 'primary' coverage so you don't have to file a claim with your home health insurance first.

Verify your existing coverage. Call your current health insurance provider and ask if they cover international medical emergencies. Most domestic plans do not cover you abroad, or they only offer limited reimbursement, making a dedicated travel policy essential.
Check the Schengen requirements. If you are visiting countries in the Schengen Area, you are legally required to have travel insurance with a minimum coverage of €30,000 for medical emergencies and repatriation.
Filter for primary coverage. When comparing plans on aggregate sites like SquareMouth or InsureMyTrip, select policies listed as 'Primary.' This means the travel insurer pays your medical bills directly without you needing to file a claim with your home insurer first.
Evaluate evacuation limits. Medical evacuation is the most expensive part of a medical crisis abroad. Ensure your policy covers at least $100,000. If you are going to remote areas or mountains, ensure the policy covers 'search and rescue' specifically.
Review the 'Pre-existing Condition' clause. If you have a chronic illness, check if the policy includes a 'pre-existing condition waiver.' You usually have to purchase this within 14–21 days of making your first trip deposit.

Does my credit card insurance cover me?: Often, credit card insurance only covers 'trip cancellation' and lost luggage, not medical emergencies. Read the fine print of your cardholder benefits carefully—if it doesn't mention 'Emergency Medical' with a specific dollar limit, do not rely on it.
Should I buy insurance through the airline?: Avoid airline-provided insurance. It is almost always 'cancel for any reason' coverage that lacks robust medical benefits. Buy from a specialized travel insurance broker instead.