Travel insurance matters most for medical emergencies abroad, especially in countries without reciprocal healthcare. EU EHIC/GHIC cards help in Europe but do not replace full evacuation cover.
Cancellation and curtailment protect prepaid hotels and tours when illness strikes before departure. Read pandemic and airline insolvency clauses — they vary wildly post-2020.
Baggage and electronics riders suit photographers and laptop travellers; standard limits often cap at €500. Adventure sports need explicit add-ons — skiing, diving, and trekking exclusions are common.
Annual multi-trip policies beat single-trip purchases if you fly three or more times yearly. Book flights on SnagAFlight first, then match insurance dates to confirmed itineraries.
