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.
Many of us are not aware of the cost of treatment in other countries; The USA for example can be very expensive for any treatment given. Very often the first thing asked is “Do You have insurance?†This often dictates which hospital or services you are directed or taken to.
Sometimes things happen abroad you may not have the experience to deal with. Look for a travel insurance that offers legal assistance and advice to help you get compensation for events that may have ruined your holiday.
You can still buy single trip travel insurance, often at prices well below what your local holiday agent would offer you. This can be very cost effective solution if you know you will only be travelling once this year. However if you intend travelling more than once, then you should compare an annual policy to two single policies.
