Buying directly or through a tour operator: which to choose?

When booking a package tour, you are usually given an insurance plan. The question is whether this bundled plan is enough or you should buy extra.

The bundled plan is convenient and requires no extra effort. However, its benefits are usually basic and may not meet your specific needs.

Buying directly lets you choose the exact limits and extensions you need. In return, you must spend time comparing and reading the contract carefully.

The best approach is to check the bundled benefits first. If a key part like the medical limit is missing, consider adding a supplementary plan.