What is non-departure insurance and why is it necessary?

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

Often the desired vacation breaks down for some reason. This may be due to an error in paperwork, illness or other factors. Because of this, people do not go to their favorite resort, and also lose finances. But there is a possibility of compensation. Cancellation insurance would be the best solution. More about it will be discussed in the article.

General information

Unlike medical insurance, cancellation insurance is optional. Often the service is included in the price of the tour, but often people have to deal with buying the policy on their own. With the onset of difficult circumstances, the agreement allows almost completely, by 80-90%, to cover the costs.

You should not rely on the help of a travel agency, because if you refuse a tour, it pays fines to various partners: tour organizers, hotel owners, carriers. Therefore, when buying a ticket, you need to think in advance about possible surprises, as well as insurance against their consequences.

Whyrequired?

Insurance against non-departure abroad is a common and convenient option for those who do not want to be deceived and injured when traveling to another country. This service is required when there is no certainty that a visa will be granted.

Insurance is fully reimbursed. Anyone can apply for it, including in addition to other insurances. But before that, you need to familiarize yourself with what this service includes. Do you need travel insurance? To compensate for the costs of many risks, you need to subscribe to this service.

Insured events

There are several reasons why a cancellation insurance is necessary. Insured events are as follows:

• death or illness of relatives;
• presence of medical contraindications;
• hospitalization of relatives;
• visa denied;
• urgent subpoena;
• contracting a person to military service;
• damage to property preventing travel to another country.

For everything else that is not spelled out in the document, compensation will not be paid. Please note that insurance must be issued no later than 3 days from the date of purchase of the ticket and no later than 2 weeks before departure. Only then will it have legal force.

Features of non-departure insurance

Now demand for insurance against non-departure to another country. When applying for such a service, the insured person is compensated:

• payment for tickets;
• reservation of rooms, hotels;
• vouchers.

There are several options for obtaining cancellation insurance. The first case assumes the presence of medical insurance for traveling to another country, but not from not leaving. In this situation, you should not change or reissue the service. It is important to contact the company that provided the policy. There they will add insurance against non-flight. Many forms provide the option to enable additional features, but at an additional cost.

The second case assumes that there is no insurance policy. To visit another country, you need to buy a policy, otherwise you will not be able to visit there. The reason for this is the effect of the new law of the Russian Federation on the removal of state obligations for citizens of the Russian Federation who are in another country. Therefore, with the purchase of a policy, it is necessary to provide insurance against non-departure. This will keep your holiday safe. But keep in mind that each company has its own conditions, so you need to carefully study the documents before registration.

What risks are not covered?

But not all risks are covered by non-departure insurance. Cases on trips are different, and not all of them are compensated. These include:

• illness or injury of the insured person and his companions, if treatment requires only outpatient treatment;
• pregnancy and related consequences;
• a suicide attempt or other similar act;
• incorrectly formatted documents;
• delayed by law enforcement;
• natural disasters, wars;
• injuries resulting from alcohol and drug intoxication.

Usually, non-reimbursable risks are listed on the policy. The document includes the validity period, the rights and obligations of the parties, and other important nuances.

Cost

The price of the service is determined depending on the cost of the ticket. In the event of an insured event, the company reimburses the expenses spent on the trip. It is only necessary to adhere to the deadlines so that payments are not denied.

No-flight insurance usually costs about 10% of the ticket price. For example, insurance for 30,000 euros will cost about 1,870 rubles if the trip is canceled due to a visa denial or in other emergency cases. In many companies, the cost of the service can be calculated using an online calculator.

Tour cancellation or visa denial: what to do?

In case of an insured event, you must:

• during the day, notify in writing about the reason for the refusal to travel;
• the application is accompanied by documents confirming this event;
• prepare the rest of the documentation - tickets, insurance, passport.

A trip is a responsible event, but there are situations when it fails. Then, in addition to personal difficulties, material losses are also expected. Airfare insurance against non-departure allows you to compensate for the costs.

Features of travel insurance

Companies offeredtravel insurance. Many people think: why overpay if a difficult situation may not come? But with the advent of problems, people usually regret that they did not overpay the extra 6-10% of the ticket price. After all, then they would be protected from many difficulties.

Purchase policy

Before applying for a service, you need to check the company. It will take a little time, but there will be confidence in the chosen option. To do this, you need to visit the websites of companies, familiarize yourself with the conditions. Everything should be written clearly.

It is advisable to see photos and videos about the company, as well as read reviews. This will allow you to make the right choice. It should be borne in mind that a reliable company will not hide anything from its customers.

Service Benefits

Such insurance appeared due to the activities of travel companies. They are intermediaries between the client and the destination. With the signing of an agreement with the tour operator and the execution of settlements, the company pays for the services of foreign partners, which is provided for by the ticket. Payments related to the departure of the customer and obtaining permission are also processed.

Payments include:

• purchasing tickets;
• issuance of permits;
• services;
• transfer;
• accommodation during the trip;
• excursions;
• extra services.

If the client refuses to travel, the company not only withdraws the order, but also pays compensation for unfulfilled obligations. Therefore, usuallyfunds are not returned. To avoid such cases, insurance is used, which guarantees a refund if you do not leave. Many firms compensate 85-90% of the funds paid.

Actions in case of refusal of payments

In case of an insured event, the company must pay the client's expenses. Only for this you need to provide documentary evidence of a difficult situation. But sometimes the agency refuses to pay the funds. If the client is sure that he is right, then he must file a lawsuit in order to receive his money.

Usually, with the onset of an insured event, firms fully pay the due funds. Otherwise, in a lawsuit for violations, the license may be revoked, and because of this, it is impossible to continue the work of the company. Therefore, before applying for insurance, you need to choose a reliable company that will fulfill its obligations.