It’s smart to buy travel insurance for your trip to Poland – especially a policy that covers potential medical costs, as well as lost luggage, and unexpected hotel or plane cancellations.
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Medical Care For Travellers In Poland
An important reasons for travel insurance is to cover medical fees if you become ill or have an accident in Poland. The country has become a destination for medical tourism, because the high standard of treatment can be significantly cheaper than in western Europe and the US. However, if you need hospitalisation, surgery, or emergency transportation home, costs will quickly add up. A good insurance policy can potentially save you shelling out.
EU citizens with a valid EHIC card are entitled to the same state treatment as Polish nationals, but this should never be considered a replacement for travel insurance. Coverage is limited and not specific to the needs or dangers unique to travellers.
Proof Of Insurance Required
Certain nationalities will also need to prove they have comprehensive travel health insurance to apply for a visa for the Schengen group of countries.
Moreover, before accessing medical care at a clinic or hospital in Poland, you will need to prove you have valid insurance. Without it, you risk being denied treatment. Proof of insurance is usually enough to overcome any reluctance on the treatment centre to give care.
What To Look For in a Travel Insurance Policy
Before you buy a policy for travel insurance, check the following:
- Valid in Poland: Any plan you purchase must be valid in Poland. Although it is unlikely that it won’t, it should still be the first thing you check.
- Proof of insurance: Make sure your plan provides a hardcopy proof of insurance. As mentioned above, if you seek care at a hospital or clinic, having a physical document showing that you are insured can mean the difference between receiving treatment and being turned away.
- Cancellation coverage: Make sure that the policy covers hotel reservations and plane tickets in the event of cancellation. You should also consider any particularly expensive excursions or tours.
- Full medical coverage and evacuation coverage: Your plan should cover all potential medical expenses (less the deductible or excess), including ambulance transport, in- and outpatient care, hospitalisation, and evacuation back to your home country.
- Lost, stolen, or damaged luggage: Make sure the plan covers all your equipment. This is especially important if you’re travelling with expensive items like computers and cameras. Consider your cellphone as well. Although most travellers will never see it, Poland has crime, just like anywhere. And things are easily lost or damaged everywhere.
- Dangerous activity coverage or exclusion: If you plan to ski, rock or mountain climb, trek, ride a motorcycle, or similar while in Poland, make sure the plan extends to include coverage for accidents incurred while taking part in these activities.