Travel accidents occur frequently. How to buy travel insurance when traveling to Europe?

With the continuous improvement of people's living standards, people's pursuit of spiritual level has become increasingly intense. In recent years, overseas travel has become a way of life for most people to relieve work pressure and adjust their family atmosphere. Europe, with its famous attractions such as the Blue Danube, Neuschwanstein Castle, and the Eiffel Tower, once became a popular destination for Chinese people to travel abroad because of its charming scenery. The most ideal place to go. "Xinyun Wuyou" refundable accident insurance, with 10 years of payment and 20 years of protection; no claims, 110% of the premium will be returned

However, the sky is unpredictable, people have good fortunes and misfortunes, and many things often happen They all happened unexpectedly. The "French tourist bus rollover accident" in 2012 and the "European Chinese tourist attack incident" in 2013 both attracted people's attention. One accident can bring indelible consequences to countless families. The pain also reminds us that we should always pay attention to personal safety issues when traveling abroad in Europe. Purchasing travel insurance before traveling abroad has become an indispensable preliminary preparation work for many people. What kind of accident insurance includes accidental medical care? Which one offers more protection? Which one is more worth buying? Let’s take a look at some good accident insurance recommendations? The top 20 best-selling premium accident insurance products in 2020!

However, currently travel agencies only recommend travel accident insurance to tourists and do not compulsorily purchase it, so most tourists regard travel agency liability insurance as travel accident insurance. In fact, once an accident occurs during the trip, the travel agency will only bear partial responsibility; the travel agency will not be responsible for accidents that occur during free time; while visiting the scenic spots, the tour guide has reminded that accidents are not the travel agency's responsibility. Therefore, tourists also need to arrange and purchase relevant travel insurance on their own.

So how to buy European travel insurance? Here I have three suggestions to share with you:

To ensure comprehensive coverage, you should buy as much travel insurance as possible and don’t take chances.

Since there are many types of travel insurance, including tourist accident insurance, travel personal accident insurance, accommodation tourist personal insurance, and travel assistance insurance, the first three are basic insurances and are also the insurances often chosen by outbound tourists. You must know that accidents are sudden and often unforeseen. Once they occur, you will regret it, so it is correct to be prepared. Don’t look at buying insurance before leaving the country as “just improvising”. In fact, choosing insurance with a higher “cost-effectiveness” is nothing more than making adequate arrangements for personal accident insurance and medical protection. In addition, depending on personal protection, travel destination, etc., you can also purchase suitable travel accident insurance, so as to spend your premiums wisely. As for how PICC insurance is, I just compiled the relevant content. I hope it will be helpful to you: Is PICC good? What insurance is recommended?

Note that the travel insurance coverage period should match the travel time

In order to save premiums, the travel insurance coverage period should be at least equal to the number of days in the travel plan. However, in order to control risks as much as possible and prevent unexpected accidents, under normal circumstances, the insurance period can be 1 to 2 days longer than the planned travel days. For example, if you plan to go away for 7 days, it is best to purchase travel insurance with a 9-day coverage period. If the trip is changed or delayed due to weather or other factors, the insurance you purchased will still be within the coverage period.

See clearly whether the medical expenses after the insurance are "advanced in advance" or "reimbursed afterwards"

When purchasing European travel insurance, you must clearly understand whether the medical expenses after the insurance are "advanced in advance" or "reimbursed afterwards" For "post-incident reimbursement", it is best to choose insurance that advances medical expenses in advance, which to a certain extent can reduce the trouble of claim settlement after the insured returns to the country. In recent years, claims settlement disputes for overseas medical insurance have gradually increased. Many insured persons encountered accidents abroad and received treatment in local hospitals. When they took the medical documents to the insurance company for claim settlement, some items could not be claimed because the cost was unreasonable. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

To sum up, I believe everyone has a preliminary understanding of how to buy European travel insurance. However, the risks of traveling abroad are not limited to accidental injuries and accidental medical treatment. Personal property is also at risk during the trip. In recent years, it has become common for families to be visited by thieves when they travel abroad. For such risks, the policyholder will also consider whether to purchase corresponding additional insurance as appropriate.

Comprehensive consideration can protect your personal and property safety, put yourself in a good mood, and spend a pleasant travel vacation in peace! The star product "Guard the Future Dividend Education Fund" provides money for 8 consecutive years, dividends every year, and 4 times the insured amount for major disease protection