I got a call from a customer in Salt Lake City, UT. He was willing to work for a Europe-accompanied tour. Their concern was to have sufficient insurance coverage, both medical and baggage while traveling through Europe.

He wanted to know whether the travel insurance Europe, offered by select tour in Europe offer sufficient insurance. Well, I said that the answer to this question depends on many things, and each requires careful Insurancetheir specific needs.

I asked the following 3 questions:

1.) You are currently on Medicare or your current health insurance is valid abroad?
I have experienced in the past that most of my clients have reported that their health insurance, HMO, PPO, or do not provide coverage overseas, but it is always advisable to inquire with your current health insurance provider to see if you is abroad could be covered. If the coverage for travel abroadalso check whether they relate to the evacuation as such is not normally covered. Most of the additional insurance providers set limits on the evacuation of up to $ 5000 back for an international air ticket back home. In many cases, last minute international flights can cost much more. In my past experience, the insurance policy of most major tour operators, if someone has made the hospital available and must be evacuated (flown home in the United States.)Based on the situation of my clients were Medicare, so that one more reason to Europe in search of travel insurance, because Medicare's benefits do not extend internationally.

2.) How often do you travel internationally?
) If you frequently travel internationally (or even 3 times a year, can be cheaper to go all served with an annual policy rather than tour operator. In many cases, these measures cover all travel expenses for a year Period. Since I am a travel agent, I am one of them and they are great! Now my trips tailored to our clients, they are planning the 35th anniversary celebration, and this is the only international trip this year, so once again, the travel insurance offered by the Europe tour in Europe , which they needed for such a trip were taking.

3.) Do you have any pre-existing conditions?
Many travel insurance part 3> Insurance companies limit the amount of pre-existing condition results when you have paid much more to update the coverage, and some not for the existing roof. With many tour operators before they can cover the existing conditions if you purchase insurance for the deposit. Currently, my client said he did not have diabetes, but has everything under control. Once again, he recalled that, since his condition could be considered a pre-existing condition withthe remote possibility that it still worse, the purchase of insurance by European tour operator at the same time they paid their deposits would cover these pre-existing conditions.

Based on the responses above to my three questions, I suggest you take my clients for health insurance travel in Europe is being offered by travel agents, rather than additional insurance from elsewhere, this will achieved not only an individual's Tour, butalways a measure of insurance, I have this problem, same question for many years, and in 9 out of 10 of my clients and they have agreed to opt for insurance provided through the European tour operator.

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