Insurance for people traveling abroad: documents for registration and reviews of insurance companies

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

Going on a trip anywhere, not every one of us thinks about the possible troubles that may happen to us. These are not petty domestic issues, but he alth problems, legal complications, lost luggage and long flight delays.

To help cope with all the difficulties, travel insurance is intended, which is highly recommended for everyone who travels abroad, regardless of the length of stay. However, before taking out a policy, you should know a few very important things.

Do I need to draw up a contract?

"Do I need insurance at all?" - this is the question that many people who are going to go abroad ask themselves. I must say, they have certain reasons for this, but they are based only on the belief that if everything was fine before, nothing will happen on the next trip.

No one is going to scare anyone, but think about what will happen if you still suddenly need urgent and emergency medical care - after all, abroad (not only in the West, butand in many Asian countries) medicine is paid and at the same time very expensive, and no one will treat you there for free. But what if you find yourself in a situation where you have to pay for the damage caused to third parties? And it’s good if there is an opportunity to pay a considerable amount. Yes, even if it will be - who likes to part with their hard-earned money?

When going to a foreign land, it is highly recommended to take out travel insurance. Even if it is not required to obtain a visa, you yourself need the "airbag" first of all.

What can the policy include

Standard travel insurance may cover:

• medical emergency;
• dentist;
• civil liability to third parties;
• accident;
• flight cancellation/delay;
• luggage loss.

Please note: only the first clause will be mandatory for any policy, covering the costs in the event that you urgently need treatment. All other items are somehow additional and may not be in the list. In addition, other options offered by a particular company are possible, for example, insurance for pregnant women traveling abroad. To clarify which costs are eligible for reimbursement, carefully read the contract.

By the way, a point not mentioned here should be emphasized, usuallycalled "Active Sports" by the companies. The essence of this risk is that if it is included in your insurance contract, you can safely engage in traumatic sports (skiing, snowboarding, surfing, cycling, etc.), being sure that you will be reimbursed for the costs for treatment if you suddenly get injured as a result of these activities. Therefore, if you are a supporter of outdoor activities, be sure to include this item in your insurance!

Insurance policy as part of a travel package

When booking a tour through a travel agency, you will most likely be offered such a service as "Insurance for tourists traveling abroad." Even more, its cost will be included in the tour by default, especially when it comes to traveling to a country where a policy is required to enter.

However, not always the quality of this insurance can be considered satisfactory. In addition, it is usually issued only for the sake of formalities, and the amount of compensation specified in the contract may be too small.

That's why we can give you advice - if you have the opportunity, take out a second insurance, already "for yourself".

Scheme of work

In order to better understand how he alth insurance for people traveling abroad works, you should remember the axiom once and for all: the company with which you conclude an agreement does not deal with treatment, negotiating with clinics and doctors, and in general almost in no way won't keep with youcommunication after the occurrence of a contractual event.

The insurance company is just an intermediary between you and the service company (assistance). In fact, she sells you services of an assistance. Assistance, in turn, is an intermediary between you and the hospital or doctor. It is he who will be in touch in case of anything and will send you to a medical institution in the host country if you need medical assistance.

Company Choice

In a word, it would be fundamentally wrong and even dangerous to consider an insurance company alone in isolation from assistance. As could be understood from all of the above, the role of the first violin in the offensive will be played by the second intermediary. Therefore, when choosing an insurance company, first of all, find out what kind of assistance they work with.

Please note that firms tend to change partners from time to time, so make sure the information you receive is up to date. They can also work with two or more assistants at the same time, in this case, when drawing up a contract, you should make sure that you will be served by exactly the intermediary you wanted.

However, the insurance does not cease to play an important role of the "first link", establishing contact between its client and assistance and often inducing the latter to a positive decision in favor of its customer. That is why it is worth listing companies that, according to customer reviews, are trustworthy. itConsent, Medexpress, VSK, Liberty, Allianz, Renaissance. For each of them, one way or another, you will find negative reviews, but this is true for any company - even the best.

A little bit about assistants

The most famous and authoritative in this area are International-SOS, Mondial, Class, AXA, Coris. Each of them may be traditionally strong in a particular region of the world, in addition, each may have their own characteristics in their work.

Studying such an issue as insurance for people traveling abroad, you will find reviews that International-SOS is the most reliable assistance, it is he who has the largest percentage of positive feedback on cooperation. Of course, the prices of the mentioned intermediary are a little higher, but, in any case, this is a reasonable price for peace of mind.

The rest of the listed service companies also work at a high level, and you can rely on them if you follow all the rules outlined in the contract.

It would be useful to mention the GVA assistance. It is very popular with insurance companies - many companies cooperate with it, but the reviews are the most negative. However, some compatriots choose this option because of its cheapness.

Coverage amount

Practically any insurance contract implies the payment of a certain amount upon the occurrence of an insured event within a limited range. The more expensive your policy, the more significant the reimbursement from the company will be. Try to insure as much as possible!

Visa regulations of a particular country mayallow an insurance policy in the amount of 20-30 thousand dollars (we are talking about the amount of coverage for medical care). However, if you want to make insurance for yourself, and not "for show", it is recommended to insure for a large amount - at least 50 thousand dollars and more. This is especially true for trips to Europe and the USA, where treatment can be very, very expensive.

Also try to choose insurance without deductible - that is, without the condition of self-payment of minor expenses that do not exceed a certain amount established by the contract.

Standard Travel Insurance Rules

Of course, all companies have their own conditions and features of insurance, and, of course, before signing all these features will need to be studied. However, there are several standard terms that apply to almost all contracts.

The first concerns chronic diseases. No insurance for citizens traveling abroad provides for the treatment of your old and long-standing "sores". If it is determined that your he alth problems are the result of your chronic illness, you will be denied payment for treatment.

Further - a complete ban on the use of alcohol, as well as psychotropic substances. If it is determined that at the time of the insured event there was at least a little alcohol or prohibited substances in your blood, you will also be denied reimbursement.

Another important nuance is the need to collect documents (police reports, case histories, checks) related to the insurance accident. This is especially important, because insurance is not alwaystraveling abroad means reimbursement of expenses at the time they are incurred - sometimes you can get what is due only upon returning to your homeland, attaching the above papers as evidence.

Documents for concluding insurance

As a rule, no special documents are required to issue an insurance policy - almost all companies issue it using only one foreign passport. At the same time, it is far from necessary to provide its original - for example, many companies offer issuing a policy via the Internet, which is very convenient, as it saves time and effort. Here you can recommend a very convenient service Cherehapa.ru, which will offer several companies to choose from upon request, in which it will be possible to issue a policy on the site online.

Result

So, we decided that insurance is still needed. In this regard, here are some tips that can be given to anyone who is going abroad.

First - carefully choose an insurance company and assistance, when making a policy, carefully read all the points. Take the time to carefully read, so that later there are no unpleasant incidents and misunderstandings!

Second - try to avoid activities that are not covered by your contract.

Third - if the agreed case does occur, immediately contact the insurance or assistance. Take a photo of your travel insurance policy in advance.

Doing these simplerules will help you get out of difficult situations with the least financial loss. Good luck on your travels and stay he althy!