Travel insurance: what is it and why do you need it?

Holidays are the times when we want to relax more, we are not stressed and not having unpleasant surprises and spontaneous medical expenses. That’s why it is very important to opt for travel insurance, in the right shapes of our holiday.

We save money, we make plans in detail, we try to be organized and responsible for the resources invested, therefore why not to ensure our holidays with travel insurance that will keep us in the comfort area in terms of unexpected events.

What is travel insurance

You certainly have some things without which you don’t go on the road on any holiday. Well, travel insurance should be on your list when organizing leave.

The insurance packages dedicated to holidays are varied and coherent, precisely to cover the needs of those who have learned from previous experiences or others. Even if most of the time we believe that it has no way of happening to us, the reality is that we are very vulnerable and exposed to various dangers: medical accidents, loss of luggage, thefts, flight cancellations, etc.

Depending on the type and cost of holidays, the destination, the local risks you are exposed to, the itinerary you have established, it is good to choose personalized insurance that includes the benefits of interest for you. Starting from the standard packages that many insurers have, you can add other extra advantages to protect the holidays.

Medical insurance for travel

The medical insurance for travel in the simple version provides for the detection of medical expenses in case of illness, accident, health repatriation and death by the insurer.

But companies have adapted their packages and complex insurance can include:

• also dental emergencies;
• Loss, deterioration, theft, delay of over 12 hours of luggage (if the airline does not offer damage for loss of luggage, you can contact the insurance company to which you have already done an insurance and will take care of everything);
• delay (more than 12 pre) or cancellation of the means of transport;
• Civil liability – payment of expenses following body injuries and material damage caused by the insured;
• loss or replacement of documents (books; identity, banking cards, transport documents, professionals);
• the cancellation or interruption of the trip following the occurrence of unexpected events (death, disease, devastation of the house, road accident, pregnancy, etc.);
• the bankruptcy of the airline – damage for the returned airline tickets;
• Up to 26 weeks – payment for the medical services necessary for investigations if the pregnancy appears and is found during the period from the issue of the insurance until you go travel;
• emergency phone calls;
• The visit of a relative in the event of hospitalization.

Ensure flight and luggage

These are further advantages for the basic travel insurance packages. The misfortune you can have, the story of an airline or the current context with the Covid-19 pandemic are just a few reasons why it is good to ensure the flight and the luggage of the trip. You can opt for the delay or loss of luggage and aircraft (especially in certain more crowded periods) or also to cancel the flight for reasons that do not come from you.

Pandemia Covid-19 has sensitized tourism this year, which is why it is very nice to consider this insurance, if the next period of the year reports unpleasant surprises.

Extreme sports insurance

Extreme sports are mentioned as excluded from standard travel insurance, precisely because they expose you more to various dangers. Therefore, if you like adrenaline holidays, you can opt for dedicated insurance for ice/ snow sports (skiing, snowboarding), water sports (rafting, underwater diving), aero (deltaplan, paragliding), terrestrials (mountaineering, climbing), on wheels (ATV motorcycle).

Each of the categories includes many more activities, which is why it is important to choose the right insurance for the holidays, to benefit from:

• recovery treatments;
• Traumatic fractures and immobilization of a plaster member for more than 21 days;
• hospitalization;
• Dental surgery, cranio-maxillofacciale or ophthalmological;
• surgery;
• plants or application of prostheses;
• permanent disability;
• emergency health transport;
• medical or death repatriation.

What is important to know about travel insurance?

• If you have already gone on vacation and forgot the insurance, you can do it online;
• If you have decided to stay on vacation for a few days, you can also opt for the extension of the insurance (at least 3 days before expiring);
• In the event of an accident or medical emergency, to avoid direct payment of medical services and their subsequent regulation, first contact the insurance company and will direct you to the nearest hospital;
• The cost of the medical insurance package is customized according to age and number of people for whom you request insurance;
• It is not mandatory to always have the insurance policy, but it is necessary to know some information on it: the number of the policy, the name of the company and contact details.

These are the most important and common insurance packages I wanted to discover. However, it is better that when you have already chosen the destination of the holidays and set up your activities you want to carry out, speak with a representative of an insurance company. Otherwise you will be able to know your needs, the risks of travel and the benefits of an insurance that will keep you away from the unpleasant surprises.