Guide to Decide Hire Travel Insurance or Not - Semua tentang Asuransi

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Kamis, 20 Desember 2018

Guide to Decide Hire Travel Insurance or Not

If you're one of those who like to prevent and then not regret, this practical guide to renting your travel insurance is for you.

When you want to go berliburn, go mmelihat to the outside world. A simple idea that something can happen to you while you're relaxing on the beach taking daiquiri gives you comfort. If we want to be realistic, good and bad things will always happen.

For those who like to anticipate all situations and also for those who live with without the worry of what happens in the future, we have prepared a list of steps to determine when it is appropriate to take a travel insurance and How to do it.

What is travel insurance?

When you decide to contracted travel insurance, what you are buying is basically protection.

This is a shelter where you can protect yourself from a case of theft of luggage, accident, sickness or cancellations.

In fact, you can purchase travel insurance dinawarkan the same airline when purchasing Your tickets.

This is, in most cases, insurance protect you from excessive costs if you are forced to reprogram your flight or cancel it.

In this way and travel cancellation insurance, the company shall refund the money if you were forced to cancel flights for reasons of work or a disease. Of course, you have to provide evidence and documents.

In any case, be sure to read the contract well before buying travel insurance because they have a lot of clauses that make the company can free himself of the charge.

There are also companies that are specifically dedicated to selling travel insurance.

They usually offer coverage to protect you from emergency medical, trip cancellation cost of medical evacuation, Baggage loss, swag, etc. .. Many companies even offer insurance against kidnapping.

There are numerous options to hire travel insurance and coverage they offer will vary depending on what you need to make sure and the amount you agree to pay the insurance concerned.

Also note that if you already have private health insurance is very likely that You cover any medical emergency you may have in foreign countries as well. So you will not need to hire another travel insurance.

Read Your health insurance coverage before, just in case.

Is it really necessary to take out travel insurance?

This is not an easy question to answer. As with all insurance plans, you do not need one until such time as the emergency arises. So it will depend on your concerns, how does your intuition and Your past experiences. All of this will ultimately determine whether necessary or not taking out travel insurance.

When should I buy travel insurance?

If you want to ensure Your tickets against the risk of cancellation for reasons of work or illness that may occur, you should take out travel insurance at the time of purchase of your flight. If you want insurance that covers health coverage you can do so up to 24 hours before you go on a travel insurance company in any way.

Should I consider the idea of taking out travel insurance if I didn't leave the country?

This is not required. To think that, if you were born in Spain or have a residence, social security card will help you in everything you need medically irrespective of where you are coming from and without paying a continental Indonesia. Yes, if you really want to take out travel insurance, insurance agents will be very appreciative of the Commission.


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Travelling in Europe and I have taken the European health card, do I need to purchase international travel insurance?

Yes. The European health insurance card covers the health care you may need in a foreign country, but did not pay for the cancellation of the trip, the shift from family members, theft and damage to baggage or on the repatriation and transport in the case of illness or death. This is what travel cancellation insurance should cover both.

Do I need to take out insurance to cover my travel stuff?

That will depend on the chosen destination, what do you take with you and how dangerous is travel.
If you are on a vacation, take an adventure and decided to go on a safari in Zimbabwe and take all Your photographic equipment worth thousands of euros, then the answer is Yes. Talk to your insurance agent and tell him your intentions. He certainly will tell you to take out travel insurance which covers the value of your assets in the event of loss or theft. If what you fear is that the airline misplaces your suitcase and you can't fly with items mainly expensive, think about it before taking out travel insurance. Keep in mind that many airlines including insurance for lost luggage, particularly on international flights.

In addition, at the airport, for around €10 you can pack your stuff and get insurance cover lost or stolen luggage.

So, you should consider and see if it pays to take insurance.

What happens if I get sick or injured while traveling?

If you become ill or have an accident, health insurance can help reduce costs or hospital that you might need. Keep in mind if you don't decide to purchase international travel insurance in place as the United States, a trip to the emergency room for broken leg could cost around 3000 euros. Not counting the ambulance or hospital stay.

Read the insurance contract properly and take good note of the coverage that he offer. Only a few insurers will pay for drugs without including health care abroad.

How much does it cost to take out travel insurance?

A good question! Travel insurance prices will depend largely on the type of coverage that you rent. That is why it is very important to read a good contract. Think that only some insurance including medication you may need, and does not cover medical care in case of accident or illness. Began to suspect if they ask for less than 60 euros for insurance.

It is advisable, before hiring a travel insurance, to take a first look at the news coverage is included in your private health insurance (if you have one). Health insurance that many have a part in the course.

So, what is the decision?

The decision to hire (or not) travel insurance depending exclusively on you. There are many things that could happen because there are many variables that enter the scene in the trip (destination, number and value of your stuff with which you travel or adventure activities you do). Although thinking about bad things that might happen to you when you travel do not aim at keman-where, it is not entirely unreasonable to fly without thinking about any possible scenario before. It is recommended that will reflect on the relationship of costs and insurance coverage, place of destination, the value of Your goods and possible risks that can travel.


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