Can I use my credit card insurance instead?

Sometimes, but usually no. Credit card insurance is typically secondary and only covers trip cancellation or luggage delay—rarely substantial medical costs. Check your card's 'Guide to Benefits' specifically for 'Emergency Medical' limits.

What is the biggest mistake people make?

Buying the cheapest policy based on price alone without checking the 'Medical Evacuation' limit. If you have a serious accident, a private jet evacuation can cost $50,000 to $100,000, which will bankrupt you if your policy limit is too low.

Choosing budget travel insurance for Europe that actually pays out

To get coverage that matters, prioritize high medical limits ($100k+) and 'primary' coverage over low premiums. Avoid plans that exclude pre-existing conditions or common sports unless you specifically waive them, and always check the insurer's reputation on third-party claims sites rather than their own marketing pages.

Set your medical minimums. Do not accept less than $100,000 for Emergency Medical and $250,000 for Medical Evacuation. If you are going to a country with high costs like Switzerland or the Nordics, aim for $250,000+ in medical coverage.
Verify 'Primary' vs 'Secondary' coverage. Look for 'Primary' insurance. This means the travel insurer pays your bills first. 'Secondary' insurance requires you to file a claim with your domestic health insurance provider first, which often results in months of delays and denied claims.
Filter out the 'Trip Cancellation' bloat. If you want to save money, drop 'Cancel For Any Reason' (CFAR) coverage. It adds 40-50% to your premium. Stick to 'Named Peril' coverage, which protects you if you get sick, have a death in the family, or experience a jury duty summons.
Check the list of 'excluded activities'. Read the fine print for 'Hazardous Sports.' If you plan on skiing, mountain biking, or even renting a scooter, ensure these are covered as standard or add them as a cheap rider. Many budget plans void your entire medical policy if an injury occurs during an 'excluded' activity.
Verify the 24/7 assistance line. Call the support number listed on the website before you buy. If you wait more than 5 minutes or get stuck in an endless loop, do not buy that plan. You need a human when you are in a hospital abroad.

Can I use my credit card insurance instead?: Sometimes, but usually no. Credit card insurance is typically secondary and only covers trip cancellation or luggage delay—rarely substantial medical costs. Check your card's 'Guide to Benefits' specifically for 'Emergency Medical' limits.
What is the biggest mistake people make?: Buying the cheapest policy based on price alone without checking the 'Medical Evacuation' limit. If you have a serious accident, a private jet evacuation can cost $50,000 to $100,000, which will bankrupt you if your policy limit is too low.