9 topical travel insurance questions
Often the vouchers are bought in advance, for several months of the trip, taking advantage of discounts on shares. We must make sure that the contract provides for a refund of the cost of the voucher, if at the time of departure the tourist is ill or was denied a visa. Moreover, if the tour is designed for several people (spouses with children, for example), then everyone should have insurance against not leaving. Only then can you get the full amount for a failed trip.
Pregnant women are not recommended to go on long trips. Moreover, the statistics ruthlessly testifies: five out of ten women who applied with the complications of pregnancy on vacation in foreign clinics lose a child. But if, nevertheless, a woman decided to rest abroad, she should take insurance, which includes not only the payment of risks associated with pregnancy. The policy should include the cost of having a baby, staying at the clinic with the mother, if the pregnant woman is late.
Exacerbation of chronic diseases
Many insurers do not fully compensate for the costs of staying in foreign clinics for tourists with exacerbated chronic diseases. Find those who do not overestimate the coefficient in such cases, does not set a limit. Otherwise, you will have to pay out of pocket for medical assistance provided.
Not many insurance companies offset the costs of treating sunburn. Most often they interpret this as “tourist oversight,” which in principle is not entirely logical, since thermal and chemical burns, as well as road accidents, are almost always a consequence of the “error” of the victim. According to statistics, most children suffer from sunburns on vacation, for which the parents did not inspect. Find an insurance that will provide medical care for your child with sunburn.
Injuries on the rides
Riding on quad bikes, water skiing, bananas, descent from water slides in the water park can lead to injuries or give impetus to the development of the disease. Since the listed attractions are a daily activity of a tourist, some insurers include these items in their policies. Having found such companies, vacationers will be able to enjoy a full-fledged active leisure, and not spend the whole rest in a hotel room. Most insurance companies do not include activity on vacation, specify these points before making a policy.
Repatriation of the dead
It is a sad topic, but statistics show that about 500 Russian tourists die every year on holiday abroad. Going abroad, you need to tell your relatives or friends how the vacationer is insured (it is better to leave a copy of the insurance policy), provide all the contacts of the insurers. Choosing insurance, you must give preference to those organizations that do not indicate the limit to cover the costs of returning the body to their homeland. They undertake to deliver the sad cargo to the house itself, and not to the nearest international airport.
No one insures against injuries and illnesses resulting from the use of drugs, alcohol or suicide attempts. But there are a number of companies that individually approach such incidents. If a small percentage of the alcohol content is found in an injured blood sample, this is considered an insured event. Such a clause is in the insurance contract of some companies: ask before making the final choice.
Call to the call center of the service company
When making insurance, tourists are warned that in the event of an insured event, it is necessary, first of all, to contact the service company. Specialists of this service will send the victim to the clinic with which the contract was concluded. But there are emergency cases when there is no time for such a call. Compensation can be obtained for treatment in other medical centers: if they have not contacted the insurer themselves, they will have to pay the invoice for the treatment themselves, and upon arrival at home they will have to pay their own bills, payment documents must be provided to the insurance company to recover the costs. Money will be refunded according to the signed agreement.
Multiple or one insurance
The tourist himself decides from whom to insure which policies of insurance companies to buy. In the event of an insured event, insurers “throw off” to cover treatment. But it is still better to take one extended policy instead of several from different companies.
Be careful when choosing a travel insurance, so that your vacation abroad leaves a pleasant impression!