A Brief Introduction to travel insurance

What is travel insurance?

In general terms, travel insurance protects all on holiday expenses against adverse events such as cancellation and interruption and also compensate for medical expenses, loss of property and damage to the transit. Travelers are compensated if they have to cancel or interrupt the journey, and they will be covered in the case of ambulances, medical evacuation and other situations.

Categories of travel insurance:

1. Delays and cancellation – including folding

Cancel: compensation shall take effect if travelers have booked and paid for a vacation, but can not start the trip due to personal illness or injury, death (a person or a family member & # 39; s), adverse weather weather & # 39; I, airlines, terrorism, bankruptcy. , Sudden unemployment, jury debts or applying sur & # 39; oznyh damage their home, leading to his nezhytstsyazdolnastsi by fire or flood.

Interruption: Insurance companies pay strahuvalnikam abroad, if they have to cut the trip due to illness, death (the traveler or a family member of the & # 39; s), terrorism, weather & # 39; I, airline strikes, bankruptcy, sudden unemployment and other adverse conditions which means that because of the events, which are not under the control of vacationer, the trip should be reduced.

Delay: it compensates for travelers on hotel expenses, food and clothing in case of flight delays. Some plans also cover costs related to dagnannem cruise when another delay cause the traveler to miss the landing.

2. Health and medical causes

Medical evacuation: it provides emergency transportation to a local hospital in case the traveler will not be able to get there on their own or go to a hospital travelers home. If family members & # 39; and covered by a policy, they can go back and home

Health and medical causes: covers medical and emergency dental expenses. Almost all travel insurance plans to work to compensate for the traveler after they pay local treatment. Claims usually paid for 7 – 10 days. Previous conditions apply to most policies if the policy is purchased within (maximum) 21 days from the date the traveler made the first payment or deposit.

3. Death of travelers:

Plane crash – this covers death or dismemberment only during an air flight. Normally it provided the greatest number of coatings because of the relatively low probability of it.

Total Carrier – Covers death or dismemberment while traveling on public transport, for example, by plane, ferry, train or taxi.

Accidental death – covers death or dismemberment at any time of your trip. Usually it provides the lowest amount of compensation due to the increased risk of

4. Personal belongings Loss of or damage to

Damage on older cars – covers travelers for damage or loss of the rental car. It is designed to allow the traveler to refuse to compensate damage caused by a collision (CDW), offered by car rental companies. liability coverage still be available at a car rental company. Covering damage to the rental car it is also often included in the bill the credit card used to rent a car payment, which often corresponds to the coverage provided by the policy.

Baggage loss – compensation of travelers for lost, stolen or damaged personal items. This coverage is usually limited to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total amount of claims and a maximum. Some policies also limit the type of items, which can claim – such as valuable jewelry, laptops and sporting goods.

-Services of assistance – provides room assembly telephone consultations and assistance to travelers. This service can be used at any time, if a traveler needs advice. Make sure you do not leave home without it, and copy it to multiple locations

In conclusion

Travel insurance – the only product in the modern world saturated by insurance, which is really necessary. You will not regret having taken it, because they do not insure against accidents travel – a great disappointment for too many tourists every year.

Do not leave home without a toothbrush, clean handkerchiefs, a bar of soap and a pleasant travel insurance policy!

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