When planning a trip, it is necessary to pay special attention to the execution of a travel insurance policy. If you are purchasing a package tour, insurance will most likely already be included in the price. However, what such a policy offers is not always enough for a comfortable and safe vacation. “DIP” has prepared a list of points that you should pay attention to when choosing an insurance rate.
Even if the tour already includes insurance, carefully study it, because if it does not suit you, you can independently purchase another one on top of the one that was already included in the price. Extended travel insurance is especially relevant if you are planning a vacation with children or if your vacation is going to be too active.
Now there are a large number of companies on the market that offer different conditions for different prices. After studying reviews on the Internet on special services, you can choose the right one, but here are the main points that you should pay attention to and from which you can build to narrow down the number of options:
- Having a franchise. An insurance policy with a deductible implies that you will have to pay the amount specified in this paragraph yourself, and everything that goes beyond it will be covered by the insurance company.
- Accident insurance. This item should be activated if you plan to engage in extreme sports or just spend an active vacation – many companies have separate tariffs for this case.
- Coverage of medical expenses even if alcohol was found in the patient’s blood. This item should be checked if you plan to drink alcohol on vacation. This is important because most insurance companies will not pay for medical care if you were intoxicated at the time of the injury.
- Covering the cost of assistance related to the coronavirus infection. Many companies now include this in their rates for obvious reasons. If it is written in your contract, the insurance will be able to pay for the treatment and hospitalization of a person with covid, and in some cases even pay for quarantine accommodation and ticket replacement.
- Pay attention to assistance – this is a partner of an insurance company abroad, which acts as an intermediary between the insurance company, the insured himself, and medical or transport organizations directly in the tourist’s country of residence. It is the employees of this service who will solve your problems and coordinate with the insurance company the necessary procedures and their costs.
- Find out if your insurance company has many partners in the city you are going to. Not all hospitals and medical centers accept foreigners under an insurance policy.
- Pay attention to whether your policy includes travel cancellation insurance. Anything can happen before the trip, and if such a clause is included in the contract, the insurance company will refund the cost of the tour if you cannot fly on the scheduled dates for good reasons.
- Select ‘chronic illness coverage’ if you have one. Because in many cases, without this, insurance will not cover the costs of treating exacerbated chronic diseases.
- If you are traveling to southern countries, be sure to make sure that the insurance covers the cost of treating sunburn and stopping allergic reactions.
Pregnant girls should especially carefully study the clauses of the contract. Not all of them include risk coverage, and some will not be valid for a certain period at all.
The cost of the policy will be made up of the above factors, in addition to this, the age of the traveler is also taken into account.