Travel Insurance Tips

Travel Insurance

In Russian the word "insurance" related to the word "fear." The English comes from the insurance to be sure - «be sure." The latter option, of course, sounds more optimistic. On what can expect Russian traveler, protected "fearsome" policy? Every tourist in the tour package is insured, but, as a rule, it looks. In connection with the events in South East Asia, the island became a question of what, in fact, travel insurance cover?

Standard package only reimburse medical transportation costs, and implies that a tourist on holiday or ill received during the holiday injury will be provided immediate medical attention and special transport if necessary sent home or to the appropriate clinic. Standard insurance does not compensate for any loss of material or moral harm, and has no relation to the return of money when your tour did not take place earlier than the set or out.

In a situation of force majeure (a natural disaster - the real force majeure) is not working no insurance. This situation is an absolute exception to all treaty obligations.

Variety of insurance services

Perhaps today there is no travel agency, which did not include a complete set of documents in an insurance policy. But do not always know, for example, that in most cases, the efficiency and attractive to the customer sold cheap trimmed insurance program. This means that they include a minimum set of services that may be required in the event of illness or injury. This includes the payment of medical expenses, medical transportation services, repatriation in case of death. Unlike one of the other programs can usually be added to the emergency dental care.

In fact, insurance possibilities is much wider. Apart from the standard minimum set in the policy can be enabled organization visit relatives in an emergency and early return to Russia. If the kids go - the organization of early return of the children. If lost or stolen luggage documents - assistance with the loss of documents and luggage.

The policy can be purchased separately by the insurance company, presenting the existing documents on the tour. True, it is necessary to make time to visit the office, but it will cost a little bit cheaper, and see all the opportunities you can thoroughly. Also, coming to the insurance company, you can carefully read the rules of insurance and find out in advance what costs are recovered, which are not. In fact, all possible situations are already covered, the main thing - to learn how to efficiently use of this opportunity for their own benefit. In addition, the insurance company offers additional insurance against accident, baggage insurance. Likelihood of sudden trip cancellation may also be provided by the insurance contract.

Consider some types of insurance that a prudent traveler can order extra, then to not be excruciatingly painful for the lost money, time, nerves, etc.

Insurance costs associated with the cancellation of a trip abroad 

Which means : This species is referred to as "insurance against his own recognizance." Recently, it has been widely disseminated. Very convenient form, recommended to all What gives : Returns the entire cost of the tour is documented in the cancellation of the trip on which cases applies : In case of refusal of a visa, tourist or his admission of a child before the trip, the tourist or the death of his loved ones, destruction of property by fire or flooding at an estimated cost of over 50%, in case of a call to the court as a witness or juror, and even recruitment Cost : An average of about one dollar per day of stay abroad Features : It often happens that two people (or entire family ) gathered on a journey, "good cause" there is only one. Some insurance companies will reimburse your money in this unfortunate companions, and some - not inviting them to go for a vacation alone. These details are necessary to find out in advance.

Insurance contract providing for immediate withdrawal probability tour must be made at least 15 days prior to the scheduled departure date. Its action begins at 00:00 pm, specified in the policy as the beginning of the insurance period (from the date of payment of the insurance premium), and ends at border control before the trip. Cases that recognized insurance are listed in the rules of insurance, but it should be remembered that the risk of failure in the entry visa to the list are not included. The same shall be reimbursed the cost of acquiring the permit, the visa fee for visa, purchase of air or rail tickets. Documents confirming these costs necessarily represent the insurance company.

Baggage insurance for the trip abroad 

Which means : You can insure your suitcase in case it is lost. However, while the price of services does not correspond to the quality of what gives : Get $ 500 to $ 2000 for single lost or damaged luggage on which cases applies : When a lost suitcase at the airport, had disappeared from the room, crushed conveyor, etc. Cost : Depends on the estimated cost luggage Features: money, jewelry, and even appliances are no exception accident. In fact, insurers are willing to pay damages from the loss of T-shirts and toothpaste

Travel Insurance Tips 2012-12-17T06:53:00+08:00 Rating: 4.5 Diposkan Oleh: tiaratheblogger