Do you need travel insurance for Seychelles, and can you use multiple insurance policies at once?

Even if you have several policies (employer-provided, from a tour operator, and a separately purchased one covering up to €1 million), you can only claim reimbursement for a specific incident from one of them — filing the same claim twice is illegal, and insurers share data with each other.

Exception to the one-claim rule: fixed lump-sum payouts for accidents can be collected from multiple policies simultaneously if each policy provides for it.

Many travelers recommend always buying travel insurance before a trip — it's cheap (roughly $5-20), rarely needed, but fully covers costs if something serious happens.