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Travel Insurance: Things You Need to Know About Online Booking
Insurance is the thing that travelers often neglect. After all, if during the trip you do not need medical help - consider that you threw the money out.
That's why travelers neglect insurance, being sure that nothing will happen to them. Although it’s not difficult to book an insurance for traveling online - you will only need 5-7 minutes for it.
Every experienced traveler will say that to have a travel insurance is the rule #1 for your every trip.
Hope for the best, prepare for the worst
Is it worth mentioning that no insurance is irresponsibility not only to yourself, but also to your relatives? If anything happens to you - the expenses will fall on their shoulders.
Below we’ve collected tips that will help you understand the types of insurance, how to get travel insurance, how the insurance works and what should be paid attention to when choosing the insurance.
1. Insurance is an Obligatory Rule for Every Trip
If you travel abroad you need to buy travel insurance, which has many names: insurance for travelers abroad, medical insurance abroad, travel insurance, etc.
Insurance guarantees you medical assistance if necessary. Basic insurance means only treatment and medical transportation.
2. Complete the Basic Type of Insurance With Options
Depending on the purpose of your trip, we recommend maximizing your insurance with additional options:
- Insurance for active sports (mountain skiing, snowboarding, surfing, trekking and even horseback riding)
- Medical care for exacerbation of chronic diseases
- Insurance when riding a moped or a motorcycle (you need to have an international driving license of A category and ride a helmet)
- Theft and lost coverage
- Liability insurance (in case you harm anyone)
- Trip cancellation and trip interruption (in case you suddenly get sick before the start of the trip or you will not be given a visa - according to the insurance, all the already paid reservations will be returned to you)
3. Travel With Insurance in Your Own Country Too
Insurance is required not only for trips abroad. If you travel within your country, for example, go to a ski resort, you also need to issue a traveler's insurance. At the same time, add to insurance a list of additional risks too - active sports, flight delays, loss of luggage, etc.
4. Learn How Travel Insurance Works
The scheme of the insurance is the following: for purchasing you apply to an insurance company that gives you an insurance, in which there is the phone number of the service company (assistance).
If you need help in any emergency, you need to contact to assistance! They tell you which hospital to go to, and if necessary they call an ambulance. After your call, assistance team sent to the hospital a letter of guarantee of the cost of treatment.
Sometimes in the hospital a traveler may be asked to leave a deposit for treatment (money or your passport) - it is better to act this way only as a last resort, and if you have any questions, contact an assistance again.
Also, in some cases, you may have to pay for the treatment, then save all documents with seals and payment checks - and apply to the insurance service on return.
All these issues must be agreed with the assistance team.
5. Have a Look at the List of Insured Events
Carefully read the contract for what is included as the insured event according to your travel insurance, and what is not an insured event. Always compare the list of insured events with the purposes of your trip.
6. During a Travel, First of All, Call the Assistant (Service Company)
In an insurance event - immediately call the assistance, it is better not to go to the hospital by yourself. Otherwise, you may be denied in treatment payment by insurance company.
7. Make Sure the Hospital Received a Guarantee Letter
Upon arrival at the hospital - make sure that they received a guarantee letter about the payment of your treatment, otherwise you may have to pay for the service yourself.
8. Choose International Travel Insurance According to Assistance, Not Insurance Companies
Perhaps more important than the insurance company, where you buy travel insurance, is an assistance. Since it is the assistance who decide which hospital to send you to, how much to pay for the treatment, how quickly and clearly all the documents are coordinated.
When buying travel insurance, pay attention to assistance, if possible, look for reviews on the company.
9. Take a Picture of Your Travel Insurance Policy on the Phone
Thus, it will certainly always be with you, and you will not have to carry the insurance with you all the time.
10. Keep in Mind the Nuances of Insurance Payments
Please note that insurance companies do not pay damages of the insured event, if at the time of the insured event the insured person was in a state of intoxication. Of course, the high risk that you will be checked for alcohol in the blood is high only in case of an accident or if you are inadequately behaving. But it's worth keeping in mind.
11. Do Not Skimp on Insurance
Remember that best travel insurance can not be cheap. And insurance is not something to save on.
It is better to buy good insurance, to feel safe for your trip and not to use it, than to get into an unpleasant situation because of poor quality insurance.
To guarantee your financial security it is better to make an international travel insurance, adding to its basic type additional risks that correspond to the purpose of your trip.
12. Book Travel Insurance Online and Save Your Time
To get a travel insurance, it is not necessary to go to the office of the insurance company.
You can spend 10 minutes at home on the computer. To do this, use the online travel insurance form at the very top of the page.
According to the search parameters you specify, you will be offered different types of travel insurance, choose the one that suits you best, enter your data and the criteria for the type of insurance you need.
Pay your travel insurance online and print it. After that you can be confident of your safe journey.