Average Cost of Travel Insurance in the EU
The cost of travel insurance in the EU can vary significantly depending on several factors, including:

Destination: Some countries may be considered higher risk, leading to higher premiums.
Croatia is a mid-low price.
Duration of the trip: Longer trips will generally cost more to insure.
Age of the traveler: Older travelers may face higher premiums due to increased health risks.
Type of coverage: Policies with more comprehensive coverage will naturally be more expensive.
Activities included: Some standard policies may exclude or require an add-on for activities like mountain biking. It's crucial to ensure your policy specifically covers recreational MTB.

Generally, for a recreational bike trip in Croatia, you can expect to pay anywhere from €30 to €50 for a week's coverage. It's about five euros a day. This is just an average, and it's essential to get quotes from different providers to find the best option for your specific needs and budget. Annual multi-trip policies are also available and can be cost-effective if you travel frequently.

When and How to Buy Travel Insurance
It is highly recommended to purchase travel insurance as soon as you book your trip. This ensures that you are covered for potential cancellation or interruption from the moment you make your initial bookings.

Here's how you can typically buy travel insurance:

Online through insurance providers: Numerous insurance companies offer travel insurance policies online. You can easily compare different options and get quotes.
Through travel agencies or tour operators: Often, travel agencies or the organizers of your MTB tour will offer travel insurance packages.
Through your credit card provider: Some credit cards offer travel insurance as a benefit to cardholders. However, it's crucial to carefully review the coverage details, as they may be less comprehensive than dedicated travel insurance policies.

Key Considerations When Choosing Travel Insurance for MTB Tours:

Ensure MTB activity is covered: Carefully read the policy wording to confirm that recreational mountain biking is included. Some policies might exclude it or require an additional premium for adventure sports.

Check the medical expense limit: Make sure the policy offers sufficient coverage for potential medical emergencies. Consider the healthcare costs in the countries you will be visiting.
Review the excess/deductible: Understand how much you will need to pay out-of-pocket before the insurance coverage kicks in.

Consider the geographical scope: Ensure the policy covers all the countries you will be traveling through.
Read the exclusions carefully: Be aware of any activities or situations that are not covered by the policy.
Compare different policies: Don't just go for the cheapest option. Compare the coverage, benefits, and exclusions of several policies before making a decision.
In Conclusion

While the thrill of mountain biking is undeniable, prioritizing safety and preparedness is paramount. Travel insurance provides a vital safety net, protecting you from unexpected financial burdens and ensuring you can access necessary assistance should anything go wrong during your recreational MTB tour.

Investing in comprehensive travel insurance is a small price to pay for the peace of mind and security it offers, allowing you to fully enjoy your two-wheeled adventure.