Depending on your needs and where you are in the world, the information on this page may help you understand your policy better.
A first euro/dollar insurance policy offers full coverage without the need for additional insurance, and without a deductible. You’ll therefore be covered from the first euro/dollar spent.
Social security systems generally do not offer protection for care provided abroad. If any of them intervene, it is in a very limited way (no repatriation assistance, reimbursements calculated on the basis of rates paid in the country of origin, coverage valid for only a few months, long delays in reimbursement, need to pay expenses upfront, etc.).
The coverage offered by credit cards only works for stays of up to 3 months. With the average “basic” credit card, there is a minimum deductible of €/$50 per procedure, with an overall reimbursement limit of €/$11,000. In some countries, such as the United States, Singapore, and Hong Kong, this limit will often prove to be insufficient in the event of hospitalisation.
Insurance is mandatory to get a Schengen visa. Your insurance must include at least:
Medical expenses cover with a minimum limit of €30,000
The WHP allows students under 35 from participating countries to stay for up to 12 months (and sometimes longer) in many countries around the world. With a Working Holiday Visa (WHV), you can visit a participating country, and will be allowed to work there. For a number of these destinations, international health insurance is required. This is particularly the case in Canada, where health and repatriation insurance is mandatory for the duration of the WHP.