Traveling abroad, on rest or on business, you cannot do it without special insurance of tourists. Without it even visas don’t give out many countries. The insurance for leaving abroad will help if far from the native land with you will happen any misfortune, and available money for a solution of a problem will be […]
Traveling abroad, on rest or on business, you cannot do it without special insurance of tourists. Without it even visas don’t give out many countries. The insurance for leaving abroad will help if far from the native land with you will happen any misfortune, and available money for a solution of a problem will be insufficiently.
What are you given by the insurance for travelers?
The insurance policy for travelers provides to you payment of the contingencies connected with granting of the medical, legal, administrative and other necessary help in case of unforeseen troubles happened during a trip abroad.
The expenses connected with health services if during travel you have a severe need in medical assistance are paid for conditions of insurance of tourists to you. Thus such insurance, as a rule, guarantees also indemnification of the expenses connected with loss of luggage. Also your civil liability before the third parties is usually insured.
Besides it, usually the insurance for travelers in addition guarantees to you indemnification of expenses in case of cancellation of a trip or change of its terms for the reasons independent of you. It can be a trauma, the illness demanding hospitalization, death of near relations, refusal in issue of visa, troubles like a fire or an apartment gulf.
To fans of diving and extreme sports – mountain skiers, climbers, the insurance companies offer special programs of insurance of tourists, with raising factors because of the raised risk of traumas for the insured. Besides, the separate kind of insurance of tourists is offered specially for children who have a rest in foreign camps or travel separately from parents.
Usually the insurance for travelers operates throughout your trip, it can be 30, 60 or 90 days. For those who goes abroad regularly there are other variants. A typical example: the insurance contract consists for one year and in action of the policy the quantity of trips isn’t limited.
Depending on the country of a trip the limit of responsibility of the insurance company fluctuates in a range from $15 thousand to $75 thousands. For travel across the CIS countries the insurance sum will be much less – from $5 000 to $15 000.
Quotations on the insurance for travelers depend on what countries you go to, the size of the insurance sum, duration of a trip, the program of insurance and franchize presence.
At the same time on this kind of insurance it is accepted to give discounts to children, students, and those who are regular travel. As to have a rest go the families more often, almost all insurance companies offer preferential family insurance of tourists.
What expenses are compensated by the insurance for travelers?
Standard policies of assurance of tourists don’t assume large expenses on medical services and are mostly calculated on indemnification of expenses on reception of emergency medical aid at traumas, poisonings, an acute infectious disease, an aggravation of chronic illness, the stomatologic help in sharp cases. The insurance company will pay your accounts for services of the doctor, the medicines written out to you, transportation to medical institution, diagnostics, stay and treatment in a hospital, sending for the place of residence, and in case of death insured – delivery of body home.
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