There is a saying that says a man is as rich as he has traveled. Every trip is a new acquaintance, a departure from your comfort zone, your home, and as such it is mostly a positive experience and an invaluable adventure, but unforeseen events can make our trip an extremely negative experience. The time of travel and vacations is approaching. We’re sure you’ve already started thinking about where to go. However, what many do not think about, or do not want to think about, thinking that this will not happen to them, is insurance.
Who can be insured?
Everyone has the right to insurance, from small children to the elderly at a certain age. Several travel insurance providers offer coverage for travelers up to 89 years old with major pre-existing medical conditions.
What does travel insurance cover?
The travel insurance policy is also very useful, with it you are completely health-safe wherever you are and you don’t have to worry about whether you have enough money for the medical services that you need at that moment. In some cases, you may have to pay for a doctor’s appointment, but you will receive a refund from the insurance company upon your return home.
Is travel insurance worth it at all?
There is a saying “If you can’t afford travel insurance, you can’t even afford travel.” No one wants a variety of unforeseen situations to ruin his vacation, family trip, or business trip. The possibilities are, unfortunately, great: from emergency dental and medical care, loss and theft of luggage to the cost of medicines and the cost of emergency repatriation.
Every passenger pays for travel insurance in the hope that the money will be “spent in vain”, that is, that he will not even need it. The goal is to travel the world carefree and take full advantage of the journey. There is a saying “If you can’t afford travel insurance, you can’t even afford travel.” No one wants a variety of unforeseen situations to ruin his vacation, family trip, or business trip. The possibilities are, unfortunately, great: from emergency dental and medical care, loss and theft of luggage to the cost of medicines and the cost of emergency repatriation.
The notion of an accident
An accident is considered to be any sudden event independent of the will of the insured which, acting mainly externally and abruptly on the body of the insured, results in his death, complete or partial disability, temporary incapacity for work, or impairment of health requiring medical assistance. The insurance coverage also includes the necessary costs of transporting the insured to home due to the insured event.
When can I pay for insurance?
Travel insurance will probably be among the smallest items of your travel budget, but it may therefore be the most important. Travel insurance is paid before departure and starts from the date you specified as the start of the holiday, i.e. leaving the country, and lasts until the end of the paid period, which usually coincides with the duration of the holiday.
What if for some reason I did not pay the insurance and I already left my home country?
If, for any reason, you forgot to pay the insurance, and you are already in another country, do not worry, it is still not too late. On Globelink.co.uk you can find out more about your options. It might be a little more expensive than if you paid before departure, but the difference is not too big.
What should be included in travel insurance?
People who take out travel insurance are probably not always one hundred percent sure what all falls under their policy. Quite simply, when choosing insurance, only the price is considered, and no account is taken of the possible consequences that may occur if the policy does not provide the possibility of a certain type of service. In any case, the average travel insurance outside the home country should cover outpatient treatment, medication prescribed by a doctor, medical and aids in case of limb injury, X-ray, hospital treatment, surgery costs, transport to the hospital, as well as repatriation in case of death.
Advantages of travel insurance
There are many unforeseen situations in which you may need travel insurance without necessarily being associated with an illness or injury, or in any way endangered health. Travel insurance protects against vacation cancellation. If you have to cancel a trip for an important reason, the insurance will cover the costs. The insurance also pays extra costs in case the airline goes on strike and you have to fly with another company. In addition to you, your luggage from theft abroad is also insured.
What is important to pay attention to when signing a contract?
You have probably already learned that the most important thing is to read what is written in small letters. However, there are still many who do not, and this is where something important can be hidden, such as exceptions where insurance does not cover the damage. Once you sign, it’s over. Pay attention and fill in the form correctly. If an error is stolen, the insurance may be invalid. So go through all the data once again to make sure that you spelled the name correctly and that you did not make a mistake in the digit of your ID number.
Travel insurance is certainly necessary in many cases, but it is also a matter of choice. You don’t have to have it. But if you are already spending money to go somewhere, you have bought airline tickets, booked a hotel, saved your pocket money, aren’t you able to set aside one micro part of it all for what is most important to you. Your health. Still, it is considered the best thing that you can do for yourself and your dearest when traveling abroad. This is definitely one of those investments that you need to consider smart, an investment that will allow you to travel worry-free and know that no embarrassing situation can surprise you.