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Medical care abroad can be very expensive for tourists. Here's what travel insurance covers, how to read the terms and what to do if you need a doctor.
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People often remember insurance at the last minute and pick the cheapest policy without reading the terms. Then it turns out that a scooter fall isn’t covered and a doctor’s visit at a private clinic costs half the holiday budget. Let’s look at how to choose a policy that will actually work when you need it.
The core of any policy: paying for treatment if you suddenly fall ill or get injured. This usually includes a doctor’s visit, outpatient treatment, hospitalisation, prescribed medicines and emergency dental care.
Transport to a hospital or back home when medically necessary. It’s the most expensive part, and a policy without it is incomplete.
This is the maximum the insurer will pay. A reasonable amount varies by country: where medical care is expensive, it should be higher. For a Schengen visa, the policy requirements are set by the consulates; more in our Schengen visa guide.
The amount you pay yourself for each claim. A policy with a deductible is cheaper, but for minor claims you may see no benefit.
The most important part of the contract. Usually not covered:
The policy must be valid in every country on your route, including transit countries, and for every day of the trip, from the first to the last.
If you plan diving, surfing, skiing, safaris or motorbike rides, check whether they’re included. In Thailand, Bali and Vietnam, renting a motorbike is a common cause of tourist injuries, and a standard policy doesn’t cover it. For seasons in Thailand, see our guide on the best time to visit Thailand.
Children are insured in the same way as adults. For older travellers, many insurers have age limits or higher premiums. For pregnant women, cover is usually limited to a certain week of pregnancy. Check the terms in advance.
Without a call to the assistance company, the insurer may refuse to pay.
A separate option that covers your costs if the trip is cancelled for reasons listed in the contract, such as illness or a visa refusal. It’s useful for expensive tours and non-refundable bookings. You should take it out right after buying the tour, not just before departure.
Many package tours include basic medical insurance. It’s usually enough for a beach holiday but not for an active one. For what else is included in a tour, see our guide on what the tour price includes. And our pre-flight checklist lists what to save on your phone.
You can buy a medical policy any time before your trip, but it’s best to do it right after booking the tour. That way you can add cancellation cover, which doesn’t take effect immediately after purchase. Check that the dates on the policy match your travel dates.
Want to travel with peace of mind? Send a request or message us on Telegram @GlobalDestination1, or call +998 99 760-82-88. Our manager will find a tour and advise which policy suits your trip.
Updated: 2026-10
For some visas, such as the Schengen visa, medical insurance is a required document. Other countries let you in without it, but travelling without a policy is risky: treatment abroad is paid out of your own pocket.
First call the assistance company on the number in your policy. They will tell you which clinic to go to and usually arrange direct payment. If you go to a clinic on your own, your costs may not be reimbursed.
Usually not, unless it's stated in the policy. There are often conditions about having a driving licence and wearing a helmet. Read the terms carefully.
Many package tours include basic medical insurance. Check its coverage and, if needed, extend the policy to cover adventure activities or trip cancellation.
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