8 Times When You Need Travel Insurance
Today we will discuss about Travel Insurance. If before the trip you decided to save money and do without insurance, think again. DesiGirlsForum.blogspot.com talks about situations in which the insurance policy for traveling abroad will help you save money and nerves.
1. You are sick during the trip
Either they picked up a virus, or they poisoned themselves with an unusual meal, and as a result, spend their holidays in a hotel room and regret not staying at home. Not only is the rest spoiled, but you also have to look for a doctor and layout around sum for admission and treatment.
How insurance will help
With travel insurance, you can avoid unforeseen expenses associated with outpatient or inpatient treatment. This includes the services of a doctor, diagnosis, and medicines. Insurance for traveling abroad also extends to emergency dental care.
Before you go to the clinic or call a doctor, call the around-the-clock dispatch center - its number is indicated on the insurance policy. Experts will give detailed instructions on what to do next.
If for some reason after the call to the dispatcher you paid for the services in the medical institution yourself, be sure to take in the clinic the documents confirming these expenses, X-rays and extracts, and then transfer them to the insurance company.
2. You rode your bike and broke your leg.
Or trauma ended skiing, fishing or going to the water park. No one to blame, but still offensive. The situation is complicated by the fact that standard insurance does not usually cover such cases.
How insurance will help
When you make policy, add to it the additional condition "Active recreation and sports." If you were planning to go fishing, go diving and walking in the holidays, this option will help you in cases where the rest ended with a visit to a doctor. Collect all medical documents confirming the fact of injury, including x-rays.
Please note that the option "Active leisure and sport" does not apply to all types of activities. This does not include paragliding, mountaineering, mountaineering, rock climbing, ice climbing, and deep-sea diving.
Remember that insurance is worth buying in advance: its validity begins from the day you arrive in the country specified in the contract. If at the time of conclusion of the contract you are already in the insurance territory, the condition does not apply to this trip and the policy cannot be purchased.
3. Your child has chickenpox right before the trip.
It seems to be okay, but I do not want to drag him to distant lands. We have to cancel the hotel booking, hand over the tickets and convince ourselves that the money lost on this is nonsense because health is more expensive.
How Travel insurance will help
When you make out a policy, add the “Trip Cancellation” risk there. As soon as a situation arises that impedes a visit to another country, inform the insurer about this.
This condition works in cases where, for example, the insured or his close relative has caught an infection (especially dangerous or a child's disease - rubella, whooping cough, and so on) that requires quarantine. It also includes fractures, if they require outpatient treatment and are accompanied by medical contraindications for the trip and sudden acute illness with the need for hospital treatment for more than two days.
Read also: 10 Tasty Snacks that Can Help You to Lose Weight
4. Your luggage is lost
Situation: you flew to rest in a hot country and found that the suitcase with things on the way was missing. As a result, you need to buy literally everything: from a toothbrush to at least some clothes, so as not to walk in a down jacket on the beach.
How insurance will help
In travel insurance, you can specify an additional risk of "Baggage". It gives protection from the complete loss (destruction) or destruction of things officially transferred to the carrier. If your suitcase is suddenly stolen, you can get compensation.
One person can insure one or two luggage space for this risk. Loss of personal belongings carried in hand luggage is not an insured event. During the trip, save tickets or boarding passes and baggage tags - they will need to be presented to the insurer.
5. You missed the plane
It is clear that in an amicable way it is worth going to the airport in advance, but anything happens. On the way, your car or taxi may break down or get into an accident. If you don’t have enough time for the flight, we have good news: the effect of the policy also applies to such situations.
How insurance will help
In the case when the delay was not due to your fault, but as a result of a road accident or a vehicle breakdown, there is the reason to rely on the insurance payment. To do this, you need to add the “Trip cancellation” risk to the policy being drawn up. Late - immediately call the contact center and tell what happened.
6. You lost documents
The problem, which is guaranteed to spoil the rest. First, you have to look for the best consulate, and then think about where to find money for new tickets, if the old ones are also lost or stolen. Without an insurance policy will be long, difficult and nervous.
How insurance will help
If you chose the Premium program when you made a policy with an insurance travel company, feel free to call the 24-hour contact center. In case of theft or loss of a passport, a service company representing the insurer in the country where you are located will help to contact the consulate and the authorities. If tickets are stolen or in other extraordinary circumstances, the same organization will assist in the replacement of tickets.
7. You accidentally ruined someone else's property.
For example, they came to a restaurant and carelessly broke an expensive vase that adorned the hall. I do not want to pay, but the administration demands that you pay damages. To help again come insurance policy.
How insurance will help
The travel policy allows you to compensate for expenses in a situation where the insured is obliged by virtue of a court decision to compensate to third parties for the damage caused to their life or health, or property damage.
If you have a property claim or are threatened by the court, do not rush to plead guilty or agree to compensation. Contact a representative of the insurance company, he will tell you how to act.
The condition does not apply to the use of any vehicle, as well as to the leased property, so if you rent skis, ride carefully.
8. You went on holiday in a position, but something went wrong
If complications or premature births occur, medical care may be expensive. For example, in 2018, a UK tourist went on vacation to Italy, where she gave birth earlier than expected. Standard insurance for such cases did not apply, so the clinic presented a woman with a bill of 18,000 euros for assistance with childbirth and the stay of the child in the hospital.
How insurance will help
If you are expecting a baby, then in the description of the policy it is desirable to include the costs of a sudden complication of pregnancy and preterm labor. As of the date of occurrence of the stated event, the gestation period should be up to 31 weeks inclusive, therefore, it is better to spend the last couple of months before birth at home.
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