From commercial providers. It’s not necessary for EU Citizens travelling inside the EU/EEA as they are treated like people in the national systems for emergencies.
But it simplifies a lot because you can go to any doctor and sometimes they play dumb and pretend they don’t know about the rules and want to force you to pay out of pocket (Happened to me in Austria, I’ve just reported them to the Austrian Health Insurance, he wanted 200€ which is outrageous overpriced and was a contracted doctor of ÖGK). Especially in Eastern Europe. But that applies only to GPs, Hospitals usually play by the rules.
And it’s also useful for travelling outside of the EU
In post-Soviet countries, it was sadly normal that doctors would demand bribes on top of state insurance. The most outrageous shit I heard was and ob/gyn charging a months salary for a birth, half a month if it turned out to be a girl.
Not necessary but some countries have a deductible. Like in the Netherlands hospitals will charge you up to €380 and only claim the costs above that amount from your insurer. So cheaper to get travel insurance.
If that’s all you’re worried about then paying a insurance 20-80€ a year to insure a risk of 380€ would be a pretty stupid idea, and on average certainly not cheaper
You don’t have to pay every year if you are not going on holiday every year. Also not everything will be covered by your normal health insurance, like if you need to get air lifted back home.
Thanks.
I should have been more specific on my question, thats on me. Like, would I get it through my current health insurance in the US, like an addon to my plan? Or would I get it through a provider in the country/EU where I would travel too?
I don’t know much about the US health plans, you might check if they have some special offers, or if they are valid worldwide.
I’ve bought mine through Allianz, a big German insurance company.
They seem to offer travel insurance in the US too. But it’s much more expensive and they have pretty low coverage limits in the US. (Here I pay 30€ a year and don’t have any coverage limits for medical costs, there I was quoted 400$ a year for much shittier coverage). But you can compare yourself
Squaremouth (weird name) is like a kayak.com site for travel insurance. Just put in your details and it’ll give you a big list to pick from based on price, coverage, etc.
Where do you get travel health insurance from?
From commercial providers. It’s not necessary for EU Citizens travelling inside the EU/EEA as they are treated like people in the national systems for emergencies.
But it simplifies a lot because you can go to any doctor and sometimes they play dumb and pretend they don’t know about the rules and want to force you to pay out of pocket (Happened to me in Austria, I’ve just reported them to the Austrian Health Insurance, he wanted 200€ which is outrageous overpriced and was a contracted doctor of ÖGK). Especially in Eastern Europe. But that applies only to GPs, Hospitals usually play by the rules.
And it’s also useful for travelling outside of the EU
In post-Soviet countries, it was sadly normal that doctors would demand bribes on top of state insurance. The most outrageous shit I heard was and ob/gyn charging a months salary for a birth, half a month if it turned out to be a girl.
Not necessary but some countries have a deductible. Like in the Netherlands hospitals will charge you up to €380 and only claim the costs above that amount from your insurer. So cheaper to get travel insurance.
If that’s all you’re worried about then paying a insurance 20-80€ a year to insure a risk of 380€ would be a pretty stupid idea, and on average certainly not cheaper
You don’t have to pay every year if you are not going on holiday every year. Also not everything will be covered by your normal health insurance, like if you need to get air lifted back home.
Thanks. I should have been more specific on my question, thats on me. Like, would I get it through my current health insurance in the US, like an addon to my plan? Or would I get it through a provider in the country/EU where I would travel too?
I don’t know much about the US health plans, you might check if they have some special offers, or if they are valid worldwide. I’ve bought mine through Allianz, a big German insurance company.
They seem to offer travel insurance in the US too. But it’s much more expensive and they have pretty low coverage limits in the US. (Here I pay 30€ a year and don’t have any coverage limits for medical costs, there I was quoted 400$ a year for much shittier coverage). But you can compare yourself
https://www.allianztravelinsurance.com/
https://www.allianz.de/gesundheit/reisekrankenversicherung/rechner/#/angebot
Squaremouth (weird name) is like a kayak.com site for travel insurance. Just put in your details and it’ll give you a big list to pick from based on price, coverage, etc.