We travel all over the world. We visit the most beautiful places and enjoy the sun, the sea and the mountains in various countries. It is also getting busier at the holiday destinations. However, what we often do not take into account, are the dangers that travel entails. Because especially when we are abroad, there is a risk of accidents resulting in injury.
In many countries we are only insured against healthcare costs in our own country. Abroad you often have no or only limited insurance. This can lead to major problems. You may then have to pay for your own healthcare costs. This can result into thousands or even tens of thousands of Euros.
Types of travel insurance
To ensure that you are also insured against healthcare costs abroad, you can take out a travel insurance. These come in various forms. Make sure you take out travel insurance that also covers you for medical expenses abroad. Please note that there are travel insurance policies that only provide coverage in Europe and travel insurance policies with more extensive coverage. If necessary, seek advice from an insurance agent.
Importance of travel insurance
An example to explain the importance of good travel insurance: Suppose you are on a cycling holiday abroad and you are already hit by a cyclist (Dutch: fietser aangereden). You are injured in this bicycle accident and you break your leg. You will therefore be admitted to hospital and stay here for 5 days. Then you will go home by plane because you can no longer cycle. Or suppose you are attacked by a dog while on vacation and are the victim of a dog bite (Dutch: hondenbeet). There is a serious wound and it needs to be stitched up. You receive medication from the doctor abroad and your vacation has come to an end because you have pain from the wound and feel ill. If you do not currently have travel insurance with health coverage, all costs incurred will be for your account. Keep in mind that hospitalization can easily cost €1,000 or more per day! And often this is more expensive for tourists than for residents of the country itself.
Not only are the hospital costs for your own account, you must also pay all other costs yourself. This includes the costs for medicines, but also for a return flight at another time or by plane instead of the (cheaper) bicycle or car.
Claim damage after an accident on vacation
As a cyclist, have you been hit by a dog on holiday or have you been bitten by a dog abroad and do you have no travel insurance or do you also suffer damage other than medical expenses? Then it is good to know that you can hold the person who hit you or the dog owner liable for your personal injury. You can have this done by a personal injury lawyer. Do you live in Amsterdam? Then you can simply engage a personal injury lawyer in Amsterdam (Dutch: letselschade advocaat Amsterdam) He or she can often hold someone liable for personal injury all over the world. If you have been hit by a car abroad and you suffer damage, for example loss of income, it is therefore good to know that you can hold the person who hit you liable for your damage. In addition, it is important that you are properly insured when you go on holiday.