Which travel insurance should I buy ?

Each travel insurance company provides their advantages

Choosing a travel insurance tailored to your needs can be confusing. To help you get started, there are three main types of travel insurance: a trip, an annual multiple trip and a longer stay.

Individual journey

Travel insurance for a trip means that you are insured for a one-way trip to the UK or Ireland. The policies often include children at a reduced or even free rate, provided they travel with an adult with the same policy.

More Travel

If you travel twice or more a year, you can save money by purchasing one policy for multiple trips. This type of insurance covers unlimited travel throughout the year and often includes free child insurance. Annual policies allow travel between 24 and 90 days per trip. (If winter sports is part of your itinerary, do not forget to buy supplements such as winter sports blankets or dangerous activities in addition to your policy, if planned).

Extended stay

This type of policy is ideal for students, backpackers, or those who make a sabbatical or career break. It offers insurance for those who have a budget, and it would have a higher age limit and certain limitations. For example, it could be covered for your clothing and equipment, but not for all kinds of valuables. The cost could be even lower if you do not disturb your bag. Keep in mind that most travel insurance covers only your spare time on a long journey and not for voluntary work abroad. So you should find a sabbatical font that will include the job if it suits you. It is your plan.

What is covered?

In general, travel insurance covers costs up to certain amounts, eg. For example, medical costs up to £ 10m. Baggage loss up to £ 1,500 and cancellation or reduction of your trip up to £ 3,000. Depending on the circumstances and nature of the medical emergency, your travel insurance policy will need to cover your bill and medical expenses, including transportation costs, to bring you all the available resources (hospital outpatient, ambulance). Boat or boat). , If your condition is serious and justifies emergency repatriation to the United States. UU., This should also be covered by a health professional, who will accompany you as needed. Most guidelines cover dental emergencies to a certain limit.

Remember that there are conditions and exclusions in all policies, and all pre-existing medical conditions must be declared. Certain circumstances may lead to the annulment of a claim. It is important that you understand the benefits and limitations of a policy.

Luggage Your luggage is insured against theft or loss up to a limit of normally 1,500 euros. For valuables, a limit can be specified per item. If your baggage has to be delayed or disappeared for more than twenty-four hours, for whatever reason, you will be required to reimburse the costs of purchasing the necessary goods. (Note: Always keep evidence of major purchases of items that can be used as evidence of loss, otherwise insurance coverage is limited).

Travel documents Travel documents are normally protected against theft or loss to a certain limit.



Cancellation and reduction These conditions can be very confusing. However, if you had to cancel your vacation plans prior to your departure or had to return home previously (restriction), due to an injury or illness by a close family member or a fellow traveler expenses should be covered.

The above document is a general guide to most travel insurance and may not apply to everyone. There may also be unusual circumstances that invalidate the claims. You must always read your policy document and understand its terms. Travel insurance may also include cover for robbery, kidnapping and terrorism.

Regardless of the policy you choose, make sure coverage is valid for the duration of your trip and for the goals you plan, whether in Europe or worldwide. It is also advisable to make the policy effective from the date of purchase.

If you want to participate in sports or dangerous activities during your trip, it is something completely different! The topic is too complicated to be dealt with in detail here.

There is still much to learn about travel insurance, and this article is only for explanation of the three main types. Remember that traveling without travel insurance is a bad business to save some money. Maybe you could live without your luggage or just pay for it, but what would happen if you were injured in an accident and needed emergency treatment and repatriation?