Budgeting for a Trip to Europe: Essential Tips, Cost Breakdown, and Average Expenses

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To budget for a trip to Europe, plan for $100 to $300 daily. This includes accommodation, food, and transportation. For savings, target $3,000 over nine months. Consider mid-range travel options in Southern Europe for better value. Use a travel planner and cost calculator for accurate budgeting tips.

Average expenses vary by country. For instance, Western Europe typically costs more than Eastern Europe. In cities like Paris or London, daily expenses might reach $150 to $250. In contrast, a trip to Budapest or Prague may only require $80 to $150 per day.

Transportation costs also fluctuate. A Eurail pass can help save on train travel across multiple countries. Meals can range from $10 at casual eateries to over $50 at high-end restaurants.

By understanding these essential tips and cost breakdowns, you can effectively budget for your trip to Europe. It’s essential to prioritize your spending based on your interests and preferences. With a well-structured budget, you can enjoy the diverse experiences Europe offers without financial stress.

Next, we’ll explore specific destinations and detailed itineraries to enhance your travel experience further.

What Is the Importance of Budgeting for a Trip to Europe?

Budgeting for a trip to Europe is a strategic plan that outlines expected expenses and helps manage financial resources effectively. This planning includes costs such as accommodation, transportation, meals, and activities throughout the trip.

The definition is supported by the American Express Travel, which highlights that budgeting allows travelers to align their spending with financial goals while maximizing their travel experience.

Budgeting encompasses various aspects, including setting a travel budget, tracking expenses, considering exchange rates, and identifying potential savings. It ensures that travelers have sufficient funds for planned activities and contingencies.

The International Air Transport Association (IATA) defines budgeting as a crucial financial tool that aids in decision-making and prioritizing travel options according to available funds.

Several factors contribute to the importance of budgeting, such as varying costs in different European countries, fluctuating currency exchange rates, and unexpected emergencies that can arise during travel.

According to a Statista survey, 53% of travelers indicated that they exceed their planned budget, often leading to financial stress. Planning ahead can help mitigate this issue and improve overall enjoyment.

Effective budgeting can prevent financial strain, enabling travelers to focus on experiencing different cultures, food, and attractions without monetary worries.

Travel budgeting impacts not only personal finances but also broader economic activities, as tourists frequently stimulate local economies through their expenditures.

Examples of budgeting impacts include choosing more affordable accommodations or cutting down on dining expenses, which can significantly alter financial outcomes.

To improve budgeting, experts recommend setting a realistic budget, tracking expenses regularly, and adjusting plans based on spending patterns.

Strategies such as using budgeting apps, price comparison websites, and creating an itemized expense list can help manage costs effectively during a trip.

What Key Factors Should You Consider When Budgeting for Europe?

When budgeting for a trip to Europe, consider various financial factors that impact your overall expenses. These include accommodation, transportation, food, activities, health insurance, and currency exchange.

  1. Accommodation
  2. Transportation
  3. Food and dining
  4. Activities and attractions
  5. Health insurance
  6. Currency exchange and transaction fees
  7. Souvenirs and shopping
  8. Travel season and duration

Understanding these factors is crucial for effective budgeting and can help you tailor your trip according to your preferences and financial capabilities.

  1. Accommodation:
    Accommodation refers to where you will stay during your trip. Options range from hotels and hostels to vacation rentals and guesthouses. The costs can vary significantly by location and type. For instance, staying in central Paris may be more expensive than in rural Portugal. According to data from Eurostat 2021, the average nightly rate for hotels in Europe was approximately €95.

  2. Transportation:
    Transportation involves the means of getting to and around Europe. This includes flights, trains, buses, and car rentals. Prices fluctuate based on booking time, route popularity, and seasons. A Eurail pass, for example, offers unlimited train travel across multiple countries, which can save money compared to individual tickets.

  3. Food and Dining:
    Food and dining range from inexpensive street food to high-end restaurants. The average cost of a meal can vary within Europe. A simple meal could cost around €10–€15 in many Eastern European countries, while in cities like Zurich and London, it can be €25 or more. Budgeting for at least €30–€50 per day for meals is reasonable for most travelers.

  4. Activities and Attractions:
    Activities include entrance fees for museums, guided tours, and entertainment. Prices for these can vary widely based on the city and type of experience. Historical sites in Rome or a guided tour in London often charge between €15 and €30. Planning ahead can help find discounts or passes for multiple attractions.

  5. Health Insurance:
    Health insurance is essential for your safety while traveling. Some travelers may be covered by their domestic insurance; however, others may need to purchase a travel insurance policy. Costs for this can vary depending on the duration of the trip and coverage levels. A standard policy may cost between €20 to €50.

  6. Currency Exchange and Transaction Fees:
    Currency exchange and transaction fees apply when converting your currency or using ATMs. Banks may charge a fee, or there may be unfavorable exchange rates, affecting your budget. Researching local banks and their fees can help save money.

  7. Souvenirs and Shopping:
    Souvenirs and shopping expenses can add up quickly. Prices depend on personal preferences and locations. A small keepsake may cost €5, while luxury items or branded goods can range from €50 to several hundred euros. Setting a budget for these purchases is advisable.

  8. Travel Season and Duration:
    Travel season and duration impact costs. Traveling during peak seasons (summer or holidays) typically leads to higher prices. Conversely, off-seasons may offer discounts on accommodation and flights. Plan trip lengths effectively to maximize experiences without overspending.

Budgeting for a trip to Europe demands careful attention to detail. By considering each of these factors, you can create a realistic plan that aligns with your travel goals and financial limits.

How Does Your Destination Influence Your Overall Trip Budget?

The destination significantly influences your overall trip budget. Different locations have varying costs for accommodation, food, transportation, and activities. For example, traveling to a major city often requires a higher budget due to expensive hotels and dining options. Additionally, some destinations offer free attractions, which can help reduce overall spending.

Transportation costs also vary by location. Flying to a remote island can incur higher airfare than traveling to a nearby city. The availability of public transportation can further impact costs. Destinations with efficient public transport systems can lower the budget by reducing reliance on taxis or car rentals.

Local currency exchange rates can also affect your trip expenses. A strong dollar may stretch your budget further in countries with weaker currencies. Conversely, a weak dollar can make travel more expensive.

Activities and entertainment vary widely by destination. Cultural attractions may have entry fees or guided tour costs, while some locations offer free outdoor activities.

In summary, the destination impacts accommodation, food, transportation, currency exchange, and activities. Each of these factors combines to shape your overall trip budget. Understanding these elements helps in planning a realistic travel budget.

What Effect Does the Time of Year Have on Budgeting for Travel in Europe?

The time of year significantly affects budgeting for travel in Europe, influencing costs related to accommodation, attractions, and transportation.

  1. Seasonal Demand:
  2. Pricing Variability:
  3. Weather Considerations:
  4. Local Events:
  5. Off-Peak Discounts:

Considering these factors will help travelers strategically plan their budgets and make the most of their travel experiences.

  1. Seasonal Demand:
    Seasonal demand refers to the fluctuation of prices based on the time of year. In Europe, summer months typically see an increase in tourists. This high demand results in elevated prices for flights, hotels, and attractions. For example, a study by Eurostat in 2022 indicated that hotel prices spike by up to 40% during June to August compared to winter months. Conversely, traveling during shoulder seasons (April to May and September to October) can lower costs significantly, allowing for potentially more affordable experiences.

  2. Pricing Variability:
    Pricing variability highlights the differences in costs based on the travel season. According to the European Travel Commission (ETC), transportation costs can rise by 25% during peak travel times. Advance bookings can mitigate this, as many airlines offer discounts for early purchases. Package deals, including flight and accommodation together, often provide savings during these periods. However, budget airlines may lower prices significantly during off-peak times to attract travelers, presenting an opportunity for budget-conscious tourists.

  3. Weather Considerations:
    Weather considerations play a vital role in planning travel expenses. The weather impacts not only the enjoyment of outdoor activities but also influences costs associated with travel gear. For instance, tourists visiting during winter for Christmas markets must factor in costs for warm clothing and heating accommodations. A survey conducted by Travel Weekly in 2021 found that travelers’ activities are often limited in bad weather, sometimes requiring more indoor attractions. Those who travel in spring or fall often enjoy milder weather and lower prices.

  4. Local Events:
    Local events can impact travel budgeting by affecting costs and availability. Major events like festivals, concerts, or sports competitions can drive up hotel and ticket prices. For example, hotel rates in cities hosting Oktoberfest in Munich can increase by 50% per night during the festival. Travelers should research local events in advance and adjust their budgets accordingly, either by participating or planning to avoid peak times.

  5. Off-Peak Discounts:
    Off-peak discounts refer to savings available to travelers during less popular travel seasons. Many attractions reduce admission fees or offer special promotions in the winter months. For instance, the Louvre in Paris has been known to cut entry prices by 30% during January. Additionally, some airlines offer lower fares in the off-peak season to stimulate demand. Travelers should be attentive to these offers to maximize their budgets while experiencing more relaxed travel environments.

What Are the Average Expenses You Should Expect When Traveling in Europe?

Traveling in Europe typically ranges from €70 to €200 per day, depending on your travel style and destinations.

Here are the main types of expenses to consider:
1. Accommodation
2. Food and Dining
3. Transport
4. Attractions and Activities
5. Travel Insurance
6. Miscellaneous Expenses

Understanding these expenses is crucial for effective budgeting. Each category has its nuances that can influence your overall travel costs.

  1. Accommodation:
    Accommodation costs can vary greatly. In budget hotels or hostels, expect to pay around €20 to €50 per night for dormitory-style rooms or basic hotels. For mid-range hotels, prices are typically between €75 and €150 per night for a double room. Luxury hotels can exceed €200, especially in major cities like Paris or London. According to a report by Eurostat in 2021, the average hotel price in Europe stood at around €106 per night.

  2. Food and Dining:
    Food expenses also differ across Europe. Budget travelers can spend about €10 to €20 per meal at casual restaurants or street food. A three-course meal in a mid-range restaurant costs around €25 to €50. In contrast, fine dining can start from €70 and go upward. The OECD reported in 2020 that food prices vary widely; Scandinavian countries tend to be more expensive than Southern Europe.

  3. Transport:
    Transportation includes public transit and intercity travel. Public transportation like buses or trains in cities typically costs between €1.50 to €3 per ride. For intercity travel, budget airlines and trains may range from €20 to €100, depending on distance and booking time. A Eurail Pass can be economical for longer journeys, with costs starting at €200 for multi-country travel.

  4. Attractions and Activities:
    Entrance fees for attractions like museums and parks range from €5 to €30. Some sites, like the Louvre in Paris, may charge over €15. Many cities also offer discount passes for multiple attractions, which can be cost-effective. Reports show that tourists spend an average of €50 on activities per day.

  5. Travel Insurance:
    Travel insurance is essential for international trips. Basic policies start at about €5 per day, while comprehensive coverage may go up to €15. According to InsureMyTrip, around 30% of travelers choose to purchase insurance, but costs can vary based on coverage and traveler characteristics.

  6. Miscellaneous Expenses:
    This category includes souvenirs, tips, and unexpected costs. Budget approximately €10 to €20 a day for these extras. A survey by TravelPulse in 2022 indicated that many travelers overlooked these costs, leading to budget overruns.

In summary, planning for travel expenses in Europe requires attention to varying rates in accommodation, meal types, transportation modes, attraction fees, insurance needs, and miscellaneous costs. A comprehensive understanding helps ensure a well-budgeted journey.

How Much Should You Budget for Accommodation Options in Europe?

Budgeting for accommodation options in Europe typically ranges from €20 to €300 per night, depending on the type of lodging and the city. On average, hostels cost around €20 to €60 per night, budget hotels range from €60 to €120, mid-range hotels cost €120 to €200, and luxury hotels can reach €300 or more.

In major cities, such as Paris, London, and Barcelona, prices tend to be higher. For example, a hostel bed in Paris may cost €25 to €50, while a mid-range hotel can start around €150. In contrast, smaller cities like Porto or Budapest may offer accommodations for €10 to €40 in hostels and €50 to €100 in hotels. This variation occurs due to factors like demand, location, and local economic conditions.

Additional factors that may influence accommodation prices include the travel season. During peak seasons, such as summer or major holidays, prices can increase by 30% to 50%. Conversely, traveling in the off-season, such as late fall or winter, may yield discounts or special offers. Booking in advance can also help reduce costs. Flexible travel dates and using price comparison websites may provide further savings.

In summary, you should budget between €20 and €300 per night based on accommodation type and location. Consider the season, booking timing, and city when planning your trip. For further exploration, look into alternative lodging options such as vacation rentals or home exchanges, which can offer unique experiences at competitive prices.

What Are Typical Food Costs for a Day in Europe?

Typical food costs for a day in Europe vary widely based on location and dining preferences, but a general estimate ranges from €30 to €70.

  1. Breakfast Costs
  2. Lunch Costs
  3. Dinner Costs
  4. Snacks and Drinks
  5. Fine Dining
  6. Local vs. Tourist Areas

Transitioning from these categories, the following detailed explanations illustrate typical food costs throughout Europe.

  1. Breakfast Costs: Breakfast costs in Europe typically range from €5 to €15. A basic meal often includes coffee, a pastry, or a sandwich. In countries like France, a croissant with coffee might cost around €7, while in Eastern Europe, similar options could cost as little as €3.

  2. Lunch Costs: Lunch costs vary between €10 and €25. A standard menu in a local restaurant may include a meal and a beverage. In Italy, a pizza and drink could cost around €12, while in Scandinavia, the same meal might reach up to €20 due to higher living expenses.

  3. Dinner Costs: Dinner can cost between €15 and €50. Dining at a casual restaurant usually falls within this range. For instance, in Spain, a tapas meal may cost around €15, while a full-course dinner in a more upscale venue could exceed €40.

  4. Snacks and Drinks: Budgeting for snacks and drinks generally requires €5 to €15. A small coffee can cost about €2, while a local beer could be around €5. Street food options, prevalent in cities like Berlin, are typically affordable, often under €5.

  5. Fine Dining: Fine dining in Europe can be expensive, typically starting at €50 and ranging upwards. Michelin-starred restaurants can cost over €100 per person. This cost often includes multiple courses and high-quality service.

  6. Local vs. Tourist Areas: Costs differ significantly between local and tourist areas. Dining in tourist hotspots often incurs a premium. A meal in a local eatery might cost €10, whereas the same meal in a popular tourist district could be €20 or more, reflecting the increased demand and convenience.

These typical food costs highlight the broad spectrum of dining expenses travelers encounter in Europe. Budgeting carefully can help optimize culinary experiences while managing spending.

How Can You Estimate Transportation Costs for Your European Trip?

To estimate transportation costs for your European trip, consider factors such as the mode of transport, distance, duration, and local transportation options in each city you visit.

  1. Mode of Transport: Different modes of transportation have varying costs. For instance, trains are popular in Europe, with high-speed train fares ranging from €20 to €150 depending on the route and booking time. Flights may be less expensive for long distances, especially with budget airlines offering fares as low as €30 if booked in advance. Buses often provide the cheapest option, costing between €5 and €50 for similar distances.

  2. Distance and Route: The distance between destinations influences the cost. For example, a train trip from Paris to Berlin covers about 1,050 kilometers and can cost around €70 if booked early. Conversely, traveling within a city, like from the airport to the center, may cost €10 to €25 depending on transport choice, such as buses or taxis.

  3. Duration and Peak Times: Timing also affects costs. Traveling during peak summer months results in higher prices. Bus, train, and flight rates typically increase, sometimes by up to 30%. A study by Eurostat (2022) indicates that off-peak travel can save you up to 20% on public transport.

  4. Local Transportation: Each city may have different local transportation systems, including metros, buses, or trams. Cities often offer travel passes—such as the Paris Visite pass, which costs €12 for one day of unlimited travel on public transport. Researching city transport options in advance can help optimize your travel budget.

  5. Currency Exchange Rates: Keep in mind that currency exchange rates can impact the overall cost. Fluctuations in the Euro compared to your home currency can alter final expenses. It is advisable to monitor rates and plan accordingly.

By considering these factors, you can create a more accurate estimate of transportation costs for your European trip, ultimately allowing for better budgeting and financial preparation.

What Essential Tips Can Help You Stick to Your Budget While Traveling in Europe?

To stick to your budget while traveling in Europe, plan wisely, prioritize affordable options, and keep track of spending.

  1. Create a detailed travel budget.
  2. Book accommodations wisely.
  3. Use public transportation.
  4. Eat like a local.
  5. Take advantage of free attractions.
  6. Track your expenses daily.
  7. Be flexible with travel plans.

To maintain financial control, it is crucial to implement strategies that cater to your travel preferences and spending habits.

  1. Create a detailed travel budget: Creating a detailed travel budget involves outlining all expected expenses, including accommodations, food, transportation, activities, and souvenirs. A clear budget serves as a roadmap for your spending. The average tourist in Europe spends around €100 per day for a budget trip, according to research by Eurostat in 2022. Allocating specific amounts to each category can help travelers make informed decisions.

  2. Book accommodations wisely: Booking accommodations wisely involves comparing prices across various platforms and considering alternatives to hotels, such as hostels or vacation rentals. A study from Hostelling International in 2023 indicates that travelers can save up to 50% by choosing hostels. Flexibility with dates can also lead to more affordable nightly rates.

  3. Use public transportation: Using public transportation helps in minimizing travel expenses. European cities often have well-established public transit systems. For example, a single ticket for the Paris Métro costs around €1.90, while taxis can charge up to €15 for a similar distance. Public transport passes can further reduce costs, like the London Oyster Card providing discounts on multiple rides.

  4. Eat like a local: Eating like a local means choosing restaurants frequented by residents rather than tourist hotspots. Street food or local markets can offer authentic cuisine at a lower price. A 2021 study by Numbeo showed that a typical meal in an inexpensive restaurant in Europe averages €15, compared to €30 in higher-end tourist areas.

  5. Take advantage of free attractions: Taking advantage of free attractions can enhance the travel experience without impacting budgets. Many European cities offer free entry to museums on specific days or have public parks, galleries, and historical sites that are free to visit. For instance, the Louvre opens its doors for free on the first Saturday of each month.

  6. Track your expenses daily: Tracking your expenses daily helps in adhering to the budget. Many travelers use apps like Trail Wallet or Buddy to log their spending. According to a 2021 survey by Statista, tracking expenses can decrease overspending by 30% on average during travel.

  7. Be flexible with travel plans: Being flexible with travel plans can lead to unexpected savings. This includes adjusting travel dates according to flight price variations or being open to alternate destinations. A flexible traveler can often find cheaper flights, with savings of up to 40%, as noted in a 2023 study by Skyscanner.

How Can You Effectively Save Money on Sightseeing and Activities?

To effectively save money on sightseeing and activities, consider planning in advance, taking advantage of discounts, using public transportation, and exploring free or low-cost options.

Planning in advance: Researching activities prior to your trip can help you identify the best deals and availability. Many attractions offer lower prices for tickets bought online rather than at the gate. According to a study by the Travel Industry Association (2022), travelers who planned their itinerary in advance saved an average of 20% on entrance fees.

Taking advantage of discounts: Utilize student, military, or senior citizen discounts when available. Many cities have tourist cards that provide free entry to multiple attractions and discounts on public transportation. For example, the Paris Pass offers access to over 60 attractions and has been noted to save travelers about 40% compared to buying individual tickets, as reported by City Sightseeing (2021).

Using public transportation: Instead of taxis or rideshares, use public transport to reach various sightseeing locations. Cities often have affordable daily or weekly passes. According to a report by the Transportation Research Board (2020), travelers can save over 50% on transportation costs by opting for public options.

Exploring free or low-cost options: Many cities offer free walking tours, public parks, museums with free admission days, or local festivals. The National Park Service (2023) highlights that national parks often have specific days with no entry fees, allowing visitors to enjoy nature without spending much.

These strategies collectively help travelers manage their budgets while ensuring a fulfilling experience filled with sightseeing and engaging activities.

What Budgeting Tools and Apps Can Help Manage Your Trip Expenses?

To effectively manage trip expenses, various budgeting tools and apps can assist travelers. These digital resources help track spending, set budgets, and plan for trips efficiently.

  1. Mobile Apps
  2. Online Budgeting Tools
  3. Spreadsheet Templates
  4. Expense Tracker Apps
  5. Travel Planning Websites
  6. Financial Management Software

Transitioning to a deeper look, let’s explore each type of budgeting tool and app to understand their benefits and functionalities.

  1. Mobile Apps: Mobile apps are convenient tools that allow users to track expenses on the go. Popular apps like Trail Wallet and Mint enable users to categorize and monitor their spending by simply entering amounts. According to a 2021 survey by Statista, around 70% of travelers use mobile budgeting apps to help manage vacation finances.

  2. Online Budgeting Tools: Online budgeting tools provide a web-based platform for users to input their trip expenses. Tools like You Need a Budget (YNAB) and EveryDollar allow users to create detailed budgets and access them from any device. YNAB emphasizes proactive budgeting, which encourages users to allocate future expenses.

  3. Spreadsheet Templates: Spreadsheet templates are customizable tools that travelers can use to manually estimate and record expenses. Applications such as Google Sheets allow users to create personalized expense categories and formulas for budget tracking. The flexibility of spreadsheets enables tailored financial tracking that fits personal trip preferences.

  4. Expense Tracker Apps: Expense tracker apps like Expensify and TravelMapper are designed for managing business and personal travel expenses. These apps automate expense reporting and simplify the reimbursement process. A 2020 report from ExpenseTrack highlighted that automated tracking saves users an average of 25% of their time on expense management.

  5. Travel Planning Websites: Travel planning websites such as Kayak and Airbnb often include budgeting features. They provide estimated costs for accommodations, activities, and transportation. By integrating these features, users can see a comprehensive view of potential trip expenses in one location.

  6. Financial Management Software: Financial management software like Quicken can assist with trip budgeting and overall financial health. These platforms offer in-depth analytical tools that track spending across various categories, including travel. Many users appreciate the ability to see how travel spending fits into their broader financial picture.

Using these budgeting tools and apps can make managing trip expenses more straightforward and organized.

What Common Budgeting Mistakes Should You Avoid When Traveling to Europe?

When traveling to Europe, you should avoid several common budgeting mistakes to ensure a smooth financial experience.

  1. Not Researching Destination Costs
  2. Overlooking Currency Exchange Rates
  3. Ignoring Accommodation Expenses
  4. Failing to Plan Transportation Costs
  5. Underestimating Food and Drink Prices
  6. Forgetting to Include Attraction Fees
  7. Not Utilizing Public Transport
  8. Skipping Travel Insurance

These points highlight essential budgeting aspects while traveling. Recognizing these mistakes is crucial for financial planning and helps travelers maximize their experiences while minimizing unexpected expenses.

  1. Not Researching Destination Costs:
    Not researching destination costs can lead to budget overruns. European countries have varying living costs. For example, traveling to Norway may be much more expensive than visiting Portugal. According to a 2022 Eurostat report, prices for consumer goods can differ significantly, affecting your overall trip budget.

  2. Overlooking Currency Exchange Rates:
    Overlooking currency exchange rates can surprise travelers when managing their finances abroad. Currency value fluctuations can affect travel budgets. As of October 2023, the euro is approximately $1.07, and varying rates can inflate or deflate purchasing power. Using dependable currency exchange services ensures better rates.

  3. Ignoring Accommodation Expenses:
    Ignoring accommodation expenses can create budget shortfalls. Popular cities like Paris and Rome may have higher lodging prices. According to Booking.com, travelers can spend from $60 to over $300 per night, depending on location and quality. Planning accommodation ahead can save money and ensure you stay within budget.

  4. Failing to Plan Transportation Costs:
    Failing to plan transportation costs can lead to overspending on taxis or last-minute transportation. Using trains or budget airlines can reduce expenses. For instance, a Eurail Pass can be economical for traveling between cities. According to Rail Europe, a Eurail Pass can save travelers up to 50% compared to buying individual tickets.

  5. Underestimating Food and Drink Prices:
    Underestimating food and drink prices often catches travelers off guard. Eating at restaurants can become costly. A meal can average between €10 to €25, depending on location. Cooking occasional meals can significantly lower your food expenses and can lead to discovering local markets.

  6. Forgetting to Include Attraction Fees:
    Forgetting to include attraction fees can disrupt overall budgeting. Many attractions charge entry fees, which vary widely. For example, the Louvre charges €17 for a ticket. Researching attraction costs beforehand can help prioritize spending and avoid being caught unprepared.

  7. Not Utilizing Public Transport:
    Not utilizing public transport can escalate transportation expenses unnecessarily. Cities like London and Berlin offer extensive public transport systems that are economical. A single metro ticket can cost about €2.50, while daily passes can provide unlimited rides and considerable savings.

  8. Skipping Travel Insurance:
    Skipping travel insurance can lead to unexpected financial burdens. Medical care in Europe may be expensive for non-residents. According to the European Health Insurance Card (EHIC), visitors from the EU are partially covered, but non-EU travelers should secure travel insurance. This can save you from high medical bills or lost baggage costs.

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