Should I contact travel insurance if I get sick in Hurghada Egypt?

Correct insurance procedure: after you call the insurer, they send a car for you and take you to a clinic that has a contract with the insurance company — not just any nearby clinic.

Even if you already saw an outside doctor and paid, contact the insurer afterward and explain that emergency care was needed — the outcome depends on their decision. In one case, the outside doctor's price turned out to be about 10 times higher than the insurance-negotiated price.

Keep the receipt for any medication you buy — you'll need to submit it to the insurer for reimbursement. For future trips, choose a policy without a deductible (franchise) and check its full coverage in advance.

You should have contacted the insurer — with a medical certificate they reimburse expenses, and treatment would have been faster.

In an insurance case, follow the correct sequence: call the insurer first using the numbers listed in your policy, then follow their instructions — don't go straight to an outside doctor.

Save your insurance company's phone number in your phone contacts in advance. Seeing an outside doctor without going through the insurer first can lead to large out-of-pocket costs.

If you have chronic conditions, check in advance whether their treatment is covered — many policies only cover emergency care. If you have health risks, choose maximum coverage (standard is around $30,000/€30,000) and a policy with European assistance. Before buying, carefully review what's included, what can be added, and how to contact the insurer.

Travel insurance companies respond quickly via email and WhatsApp. Contact them directly rather than waiting — don't rely on phone calls alone.

With travel insurance, a doctor comes to you, examines you, provides medication, and takes you back. Doctors in Hurghada are competent. Check in advance whether your policy includes a deductible (franchise).

Contact your insurer at the first signs of illness — they'll treat the problem quickly and give you medication to take with you. Self-treating typically delays recovery and you end up calling insurance anyway, having already lost vacation days.

If you fall ill before departure, check whether you have trip cancellation insurance. Canceling due to a non-emergency procedure may result in losing around 10% of the tour cost, with the rest refunded by the tour operator — though terms vary.