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TrainsSometimes you can hear that travel insurance is issued in order to ensure that you leave the host country. In fact, this is absolutely not true. Travel insurance against travel (also, a policy against possible cancellation of the trip) is purchased so that you can get compensation for the money spent in case the trip abroad for any reason breaks down.
For example, if you can not go on vacation or travel, and if it also happens at the last moment, at the airport, you will not be able to get back the money spent on air tickets, hotel reservations, visa processing, etc.However, having travel insurance, you will receive compensation from the insurance company that will cover your losses.
When does such insurance work
The conditions, the amount of compensation, the reasons for triggering the insured event are different for each company, but in general, there are many grounds for receiving compensation. Here are the most common cases that absolutely everyone can encounter:
- Illness, injury or death of you or your close relatives.
- Damage to your property that will not allow you to leave (fire in the House, accident on the way to the airport, etc.).
- A trial involving you.
- Refusal to issue a visa or other reason for a ban on entry to another country.
- Conscription.
- Delayed return departure in case of natural disasters, flight cancellations, etc.
It is worth noting that many companies also include compensation for early termination of the trip for the reasons described above. For example, if you leave home, and on the way to the airport there is an accident or trouble, because of which you have to urgently return home, you will also receive compensation.
Remember that there are cases when you may be refused payment, despite the presence of insurance. In a situation where the trip is impossible due to your alcohol intoxication, natural disasters, Your deliberate actions and a dozen more reasons – the refusal is guaranteed. So, before you click the "Pay" button or sign a contract, carefully study all its conditions.
Where and how to get travel insurance
You can issue such insurance during the registration of a medical travel policy by selecting the appropriate additional option, or you can purchase such a policy separately. In general, insurance is not cheap, because the risks are large, but if you do it in one policy, it comes out cheaper than issuing two different ones. For example, to understand the scale of prices, if the policy itself costs 400 rubles for two weeks, then adding this option will raise the price immediately to 1400 rubles.
You can check the prices and, if you wish, issue a travel insurance policy with the option of travel insurance using the search form at the end of the article.
Is it worth taking out travel insurance
Whether it is worth it or not, it's up to you to decide, it's too expensive. However, when making a decision, try to correlate the cost of non-refundable expenses on your trip with the cost of the policy:
- There is not much point in purchasing it if you have not yet bought air tickets, booked and paid for hotels or a ready-made tour on a ticket.
- Look at hotel cancellation policies and ticket refunds, it's different everywhere. What is the point, for example, to insure if in case of non-arrival at the hotel you will return the full cost of your stay (this happens), or return everything except the cost of the first night (and this happens most often).
- Going to a country where you have already received a visa or visa-free entry is provided, the risks that you will not be allowed in are minimal, so you can also do without this option.
But if you purchase a package tour, which includes the cost of all services at once (flights, accommodation, transfers, etc.), or purchase air tickets in advance and book all services, and under non-refundable or unfavorable conditions, we strongly advise you to issue an insurance policy with the option of canceling the trip.
You can view insurance options and compare their cost with the inclusion of additional options for travel anywhere in the world using the search and price comparison form for travel insurance*:
You can also compare prices through these sites:
Get travel insurance online- Please note that the website "Nashaplaneta.net" is not engaged in travel insurance and payment for insurance. All payment actions are performed using the online insurance service sravni.ru in the window on our site. This service is looking for and offers all the best options for insurance traveling abroad at once for a variety of insurance companies.