Insurance for travel abroad. What insurance to choose for a trip abroad

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Many people periodically travel abroad. Some do it for the purpose of a memorable vacation, others visit foreign countries on business, and some study at foreign universities. Regardless of the purpose for which a person is going on a foreign trip, he may face a variety of problems, which can be avoided by such a service as insurance. That is why many of us are interested in the answer to the question of which insurance to choose for a trip abroad, as well as which company is better to contact.

What is insurance and why is it needed?

Any trip abroad can be accompanied by various illnesses, injuries, loss of property, emergencies and other problems that can turn a vacation or business trip into a nightmare. The thing is that medicine, especially for foreigners, is quite expensive in the USA, Europe and other countries, so not everyone can get the necessary help there. However, honey travel insurance will help you get rid of unexpected expenses in case you suddenly feel badfeel.

Today, there are several types of insurance policies for traveling abroad, each of which is aimed at solving a certain kind of problems. For example, you can insure your life, personal belongings and property against theft and loss, and much more.

In addition, some countries such as European countries, Japan and Australia will simply refuse you entry if you do not have travel insurance for travel abroad.

Types of insurance policies

As mentioned at the beginning of the article, there are several types of insurance, each of which is aimed at solving different problems and covers certain items of expenses. To make it easier for you to decide which type of policy to choose, you need to dwell on each of them in more detail.

Travel he alth insurance

Honey. Travel insurance is one of the most common and purchased by most people traveling abroad. It allows you to protect your he alth and life, and in case of unforeseen situations to receive the necessary assistance. A he alth insurance policy en titles you to:

• call a doctor or ambulance at home;
• inpatient or outpatient treatment;
• diagnostics;
• covering the cost of transporting the seriously ill or the body of a person in the event of death.

This travel he alth insurance does not cover:

• expenses for the treatment of injuries sustained under the influence of alcoholic beverages and psychotropic drugs;
• treatment of chronic, mental and oncological diseases.

Thus, by purchasing this type of insurance, you get a kind of policy that provides the right to receive medical care in foreign countries.

Tourist civil liability protection

This type of insurance covers any damage you cause to third parties. However, there is an important nuance here: insurance payments are possible only if you can provide an official document from the relevant authorities confirming the fact that the victim was involved in the precedent. This overseas travel insurance does not pay out in case of harm caused by drinking alcohol or using drugs, or if you intentionally and knowingly injure another person.

This type of policy is aimed at those people whose vacation is associated with extreme sports, since it is in these cases that unintentional damage to property or injury to third parties occurs. For example, a very common case is damage to the rented equipment on a ski holiday, the cost of which will be quite expensive to compensate. And if you have this insurance for a trip abroad, you can not worry about anything.

Property insurance

When vacationing abroad, many tourists find themselves in such an unpleasant situation as missing luggage. This may be the fault of both the tourist himself and the airport or any other companieswho will carry out the transportation of things. Therefore, when taking valuable and expensive things with you on a trip, it is recommended to insure them against loss. This travel insurance covers the following cases:

• damage to property as a result of various accidents;
• loss of property during natural disasters;
• theft.

Some trips abroad include this type of insurance in their cost, but if the tour operator has not provided for this, it is recommended to take care of the safety of your things yourself.

Insurance against travel abroad

This type of insurance allows you to insure yourself against those cases when you purchased a vacation ticket, but for a number of reasons beyond your personal control, you could not go to it, or if your vacation is interrupted. These reasons include:

• hospitalization before planned travel abroad;
• serious he alth problems and death of relatives or family members;
• visa denied.

This insurance also covers cases where the child cannot travel abroad due to the fact that one of the relatives refuses to give his consent.

How to get an insurance policy?

There are several ways to get insurance for traveling abroad. You can do this both on your own and using the services of companies that provide similar services. Next, each of the methods will be discussed in detail.

Self-appeal to the office of the insurer

This is one of the most effective and fastest ways to insure yourself against any of the cases discussed earlier. Its main advantage is that you can choose the risks you want to protect yourself from. When filling out the necessary documents, you will be asked by the employees of the insurance company to indicate the services that you want to use. This will save you a lot as you won't pay for something you don't need.

Insurance through a travel agency

You can insure yourself against any possible problems during your stay abroad when buying a ticket abroad at a travel agency. However, in this case, you should read the contract very carefully, since some companies impose part of the costs of insured events on the client himself. If suddenly you are not interested in insurance or plan to buy a policy through an insurance company, then when purchasing a ticket, you can refuse it.

Employer insurance

Insurance for traveling abroad for work is not the most popular, but offers the best conditions. The thing is that some employers provide their subordinates with the opportunity to obtain a he alth insurance policy, upon registration of which you can insure yourself and your relatives for traveling abroad. However, in this case, the insurance only covers he alth and does not cover other types ofrisks.

Insurance cost for traveling abroad

In order for insurance for a trip abroad, the price of which depends on many factors (from 400 rubles per day and more), you must pay an insurance premium. In this case, the final cost of the policy is formed from the following factors:

• time spent abroad;
• country;
• type of holiday;
• cost of tour;
• transport on which you will get to your destination;
• personal data - age, he alth status and others.

At the same time, it is important to understand that traveling a child abroad and purchasing insurance will cost much more than an adult. You also have the right to influence the amount of compensation that will be paid in the event of a particular event, so if you are planning a vacation in a third world country where the infrastructure and level of medicine are poorly developed, then you should make sure that the amount of the payment is as more.

The online insurance process

Today, many insurance companies provide their customers with the opportunity to take out travel insurance online. This is very convenient, because you do not even have to leave the threshold of your own home. In addition, buying a policy online will cost you less, which will save you some money on vacation.

It is quite easy to apply for an insurance policy online. If you are facing a similartask for the first time, then the following instructions will help you avoid any mistakes. The first step is to decide where to get insurance for a trip abroad. The choice of a reliable insurance company is very important, since not only the amount, but also the timeliness of compensation payment depends on it. When searching, you need to focus on the following criteria:

• time of existence of the company;
• customer reviews;
• number of services offered.

Besides this, the website of the insurance company will also become important. It should have an intuitive interface and be fast. The support service of the insurer should quickly and efficiently carry out its activities and help customers in resolving any issues, and the site should contain at least one free phone number by which you can contact the company.

If you encounter any problems during the search, you can always use the help of specialized Internet resources where you can find the rating of all insurance companies. It would also be useful to ask the opinion of consumers who have had experience working with them. On these sites, you can also calculate the cost of the policy and immediately purchase it.

After you decide on the insurance company, you need to choose the right program for yourself. For example, if you go on vacation by car, then in addition to property and he alth insurance, it would be useful to have car insurance for a trip abroad. In this matter, you should be guided solely by personalbeliefs and insure any risks you see fit.

The next step when applying for insurance via the Internet will be filling out an online form on the insurer's website. In this case, you should be very careful, since even the slightest mistake made can invalidate the policy and it will no longer be possible to receive compensation on it. After filling out the form, be sure to check all the fields and make sure the information provided is up to date.

After filling out the form, you will need to pay for insurance. There are many ways to do this. For example, you can pay using a bank card, various electronic payment services or self-service terminals. However, do not rush to pay too much and do it only after all issues have been resolved. If you need additional information, you can get it by calling the toll free number provided on the website of the insurance company or online support.

When all the formalities for registration and payment of the insurance policy are settled, a letter will be sent to the e-mail address specified when filling out the form, the attachment with which will be the following list of documents:

• policy;
• check;
• list of phone numbers to call in case of any problems.

If any of these documents is not found in the letter, then you need to immediately contact the insurance company and ask the employee to resend the documentsto your mail.

Rating of insurance companies: which one is better to choose?

Today, there are a huge number of insurance companies operating in the financial services market, so choosing a good one is quite difficult. To help you decide, here are some of the top industry leaders:

1. Renaissance is Russia's leading insurance company, providing consumers with a variety of products. During its activity, this insurer has received a fairly decent amount of various awards and positive customer reviews.
2. ERV is an international company operating in our country for more than 10 years. This insurer operates worldwide and offers a wide range of services aimed at protecting tourists from all kinds of risks.
3. "AlfaStrakhovanie" is another domestic insurer offering quality service, a large number of insurance programs and the ability to issue a policy in just 5 minutes.

You can use the services of these companies or take out insurance from any other. The main thing is that the insurer works honestly and quickly pays compensation in case of any problems. Do not rush to issue an insurance policy in the first available company.