If you are going abroad for the first time, you certainly have a lot of questions regarding travel insurance. Let's try to answer at least some of them.
What types of travel insurance are?
There is such a thing as an insurance event. It means that event, with the onset of which comes the responsibility of the insurer to the insured. That is, different types of insurance can be issued for a different insurance case. Allocate such types of insurance for the insured event:
- Travel insurance. If the trip is canceled, then this insurance will allow you to return the funds spent on the organization of the trip.
- Insurance against an accident that occurred during a trip abroad.
- Baggage insurance covers expenses for loss or damage to luggage during a visit abroad.
- Third-party liability insurance. This type of insurance provides reimbursement by the insurer of the damage caused to the third party by the insured person.
- Green card - motor insurance.
- Sports insurance for motorists, motorcyclists, divers, climbers, skiers.
- Medical travel insurance is a contract between an insurance company and a tourist whose object is the interests of the insured person, related to the health expenses that arose during the operation of the contract. In other words, medical travel insurance is the document that will help to get free medical care if there is a threat to the life and health of a tourist during rest.
What expenses can medical insurance cover?
Usually these expenses are indicated in the contract with the insurer in great detail, since the coverage of the insurance depends on which insurance package the tourist chooses.
The insurance covers expenses for inpatient and outpatient treatment, diagnostic studies, operations, hospital accommodation costs. If there is a need for evacuation and the health of the tourist will allow the evacuation, the insurance covers the cost of delivery from abroad to the place of permanent residence or hospital in the home country. It should be noted that insurance services are not provided if the threat to the life of the insured has resulted from alcohol or drug intoxication, attempted suicide, participation in military actions and strikes, the commission of intentional offenses committed to the insured.
How is the travel insurance issued?
One of the most convenient options for tourist insurance is through an online application. A minimum of time is required. You can also pay for insurance through the online service. This option is ideal for those who are not the first time flying abroad and knows perfectly what type of insurance and with what package it needs. You can get insurance by ordering delivery.
The second option for insurance is to contact an insurance company. Specialists will help you choose the right package of services and arrange insurance, which will be immediately given out on hand. The registration procedure takes no more than 10 minutes.
How much does the travel insurance cost?
Some countries require a special medical insurance package. In general, the cost of insurance depends on many factors:
- a country. For example, to enter the US it is necessary to have insurance for at least $ 60,000, for most European countries there is enough insurance, covering $ 15,000 ($ 1 per day);
- age insured. The insurance of infants is carried out at an inflated tariff, as does the insurance of people over the age of 65;
- pregnancy. Travel insurance for pregnant women will cost several times higher than usual travel insurance.