Many people will have spent more time than usual looking at travel insurance offers and websites over the last year. In the majority of cases, you’ll only get a clear picture of what is being covered by speaking on the phone to a consultant.
First, some basics:
1) travel insurance is driven by volume, and the cost of being insured is down to the risks involved, with the vast majority of claims being for theft and medical treatment;
2) Europe is considered relatively low risk, the rest of the
