If you are only intending to travel to Europe there is no need to purchase worldwide travel insurance. But be aware if you intend to purchase and annual insurance and you have not decided on a second holiday location, for a few pounds more it may be costs effective to have a worldwide policy.
There are age limits to international js insurance travel insurance and disclaimers that you know you are in good health before you travel. Many policies cease at the age of 65 some at 70 some at 75, but you have to look for special insurance if you over the age of 80. There is normally a premium to pay as you move over 65.
Be careful when you are offered free travel insurance, either from holiday operators of even some banks for using their financial circumstances. Make sure you read what is covered and values associated with claims, before you use this as a policy to travel with.
With low cost airlines changing how we travel more and more of us are opting not go on a package holiday and to explore on our own. This make travel insurance an even bigger necessity and we no longer have the benefits of a tour rep or people we may know abroad to help us in time of trouble.
There is sometimes a requirement that the definition of a holiday is where booked accommodation, or booked travel has occurred. If a loss is made on the way to an airport or seaport where not travel has been booked, an insurance company may challenge that you were on your way to a holiday or business trip.
