Safer Travels: Travel Insurance and the Arrival of ETIAS

Safer travels help avoid serious consequences

Every year, a substantial number of UK travellers head to Europe for various purposes they may have. Tourists are drawn by the continent’s rich history, diverse cultures, and stunning landscapes. There are also a lot of people who fly out to Europe to attend to business-related affairs. No matter what reasons you may have for exploring Europe, it’s imperative to consider a fundamental aspect of travel: insurance. Travel insurance isn’t just an accessory; it’s a crucial shield that ensures safer travels on your journey ahead.

The Need for Travel Insurance

Picture this: you’re exploring the cobblestone streets of an ancient European town when suddenly, you slip by accident and bump your head. Or imagine your flight being cancelled, leaving you stranded in an unfamiliar city. These are real risks that demand safer travels. Travel insurance acts as a safety net, offering protection and peace of mind against such unforeseen circumstances.

How Does Insurance Make Your Travel Safer?

Here are several objectives and purposes of travel insurance that can help you understand the benefits of getting a policy in preparation for your next trip to Europe:

Medical emergencies: Covering medical expenses for unexpected illnesses or injuries while travelling , including hospital stays, doctor visits, and medications.
Trip cancellation/interruption: Reimbursement for prepaid, non-refundable trip expenses if you have to cancel or cut short your trip due to covered reasons like illness, severe weather, or other emergencies.
Baggage loss/delay: Compensation for lost, stolen, or damaged baggage, as well as coverage for essential items in case of baggage delay.
Emergency evacuation/repatriation: Covering the costs associated with emergency medical evacuation to the nearest adequate medical facility or repatriation back to your home country.
Travel delay: Reimbursement for additional expenses due to unexpected travel delays such as accommodations, meals, and transportation.
Personal liability: Coverage for legal expenses and damages if you’re held responsible for injuring someone or damaging property while travelling .
Adventure activities: Coverage for activities like skiing, scuba diving, or other adventure sports that might not be covered in standard policies.
Travel assistance services: Access to 24/7 emergency assistance services such as medical advice, translation services, and help locating medical facilities.
Pre-existing medical conditions: Special coverage for pre-existing medical conditions if certain conditions are met or additional premiums are paid.
Trip reimbursement: Reimbursement for non-refundable expenses if you have to cancel a trip due to covered reasons.

Choosing the Coverage That You Need

Travel comes with its fair share of uncertainties. Medical emergencies, trip cancellations, lost baggage – these are all potential hazards. However, with the right travel insurance, these risks are mitigated. Certainly, selecting the appropriate one for your set of needs is crucial. Tailoring your insurance to match your travel needs ensures a safety net that caters to your specific journey.

As you start to take concrete steps toward getting your ETIAS approval and booking your flight, you will inevitably reach a point where you’ll be considering a number of offers for travel insurance. Here are a number of questions that you need to ask yourself when you’re entertaining a policy offer for your next European trip:

  • What kind of coverage do I need for this trip? (Medical, trip cancellation, baggage loss, etc.)
  • Does the policy cover any pre-existing medical conditions I have?
  • Where am I travelling, and does the policy cover all the destinations?
  • How long is my trip, and does the insurance cover the entire duration?
  • What activities do I plan to engage in during my trip, and does the policy cover them?
  • What are the coverage limits for medical emergencies and evacuation costs?
  • What are the exclusions of the policy? Are there any specific conditions or scenarios not covered?
  • What is the cost of the insurance, and does it offer value for the coverage provided?
  • How easy is it to file a claim? What is the claim process like?
  • What is the insurer’s reputation for customer service and handling claims?
  • Does the policy allow modifications or extensions if my travel plans change?
  • Are there any additional benefits or perks offered by the policy?
  • Does the policy cater to my specific travel needs or any unique circumstances of this trip?
  • Can the policy be renewed or extended while I’m abroad if needed?
  • What is the policy’s cancellation policy? 
  • What are the terms for trip cancellation and refunds?

The Arrival of ETIAS in 2025

Looking ahead, 2025 brings a significant change to European travel with the implementation of ETIAS (European Travel Information and authorisation System). This new system aims to enhance security by requiring authorisation for visa-exempt travellers before their trip to Europe.

ETIAS signifies a shift in the travel landscape. Travellers from third countries like the UK will need to obtain authorisation before their European journey, altering the traditional ease of movement within the continent. However, it’s essential to note that ETIAS doesn’t replace travel insurance. Instead, it emphasises the necessity of comprehensive coverage that makes for safer travels. Travel insurance remains a vital companion, offering protection against unforeseen incidents during your trip.

Travel Insurance: The Perfect Complement to ETIAS

ETIAS is commonly understood as an authorisation system for visa-exempt travellers visiting the Schengen Area, aiming to enhance security and border management. However, it doesn’t cover various scenarios that travel insurance can.

Health Coverage: Travel insurance often includes health coverage, encompassing medical emergencies, hospital stays, and repatriation. ETIAS doesn’t provide health insurance; it’s primarily for security and border control.

Trip Cancellation or Interruption: Travel insurance can cover unexpected trip cancellations or interruptions due to various reasons such as illness, natural disasters, or unforeseen circumstances. ETIAS doesn’t offer this protection.

Lost Luggage or Personal Belongings: Travel insurance often includes coverage for lost, stolen, or damaged luggage and personal belongings. ETIAS doesn’t cover these incidents.

Emergency Assistance: In situations where you might need emergency evacuation or assistance during your travels, travel insurance can provide the necessary support. ETIAS doesn’t offer these services.

While ETIAS is an important pre-travel authorisation for certain countries, it’s focused on security and entry permissions, not on the comprehensive coverage that travel insurance can provide. Having both ETIAS clearance and travel insurance ensures you’re well-protected throughout your journey.

Conclusion

As the prospect of exploring Europe beckons, it’s paramount to prioritise travel insurance. It’s not merely an additional expense; it’s an investment in your peace of mind. From medical emergencies to unexpected trip disruptions, the right coverage ensures that your European adventure remains uninterrupted and enjoyable. ETIAS may change the logistics of travel, but travel insurance remains a constant necessity. Embrace your European journey with confidence, knowing that you’ve secured the safety net of travel insurance to navigate any unforeseen challenges along the way.