Use the table as a checklist when you compare offers. Figures and terms change at providers — always verify against the current policy.
| Category | What it covers | What you should check |
|---|---|---|
| Coverage area | Europe, worldwide, excluded countries | Check sanctions lists and temporary travel advisories |
| Medical & repatriation | Emergency treatment, repatriation | See benefit caps and medical documentation requirements |
| Cancellation | Illness, death, other approved reasons | Waiting period before departure and exclusions for ‘change of mind’ |
| Baggage | Loss, theft, delay | Document valuables; value and deductible limits |
| Liability | Damage to third parties or their property | Often overlooked — relevant for rental cars, apartments, sports |
| Sports & activities | Basic vs. add-on (e.g. ski) | Many policies exclude extreme or competitive sports |
| Deductible | Amount per claim | A low deductible usually means a higher premium — choose deliberately |
| 24/7 assistance | Emergency hotline, language, app | Test how you contact them before you leave |
What we deliberately do not do
- We do not declare a company the best in the world
- We do not invent customer reviews or star ratings
- We do not mix editorial and advertising without labeling