8 times when travel insurance comes in handy

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

If before traveling you decide to save money and do without insurance, think again. Lifehacker and Rosgosstrakh talk about situations in which an insurance policy for those traveling abroad will help you save money and nerves.

1. You got sick during the trip

Either they caught a virus, or they poisoned themselves with unusual food, and as a result, you spend your vacation in a hotel room and regret not staying at home. Not only is the rest ruined, but you still need to look for a doctor and lay out a large sum for the appointment and treatment.

How insurance will help

With travel insurance, you can avoid unexpected expenses associated with outpatient or inpatient care. This includes physician services, diagnostics, and medication. Insurance "Rosgosstrakh" for those traveling abroad applies to emergency dental care.

Before going to the clinic or calling a doctor, call the 24-hour dispatch center - its number is indicated on the insurance policy. Experts will give detailed instructions on what to do next.

If, for some reason, after calling the dispatcher, you paid for the services at the medical institution on your own, be sure to take the documents confirming these expenses, X-rays and extracts from the clinic, and then transfer them to the insurance company.

2. You rode a bike and broke your leg

Or an injury ended in skiing, fishing or going to the water park. There is no one to blame, but it's still a shame. The situation is complicated by the fact that standard insurance usually does not cover such cases.

How insurance will help

When issuing a policy, add an additional condition "Active rest and sports" to it. If on vacation you are planning to go fishing, diving and walking, this option will allow you to get help in cases when the vacation ended with a visit to the doctor. Collect all medical records of the injury, including x-rays.

Please note that the "Activities and Sports" option does not apply to all types of activities. This does not include paragliding, mountaineering, mountaineering, rock climbing, ice climbing and deep sea diving.

Remember that it is worth buying insurance in advance: its validity period starts from the day you arrive in the country specified in the contract. If at the time of the conclusion of the contract you are already in the insurance territory, the condition does not apply to this trip and the policy cannot be purchased.

3. Your child got chickenpox right before the trip

It seems to be okay, but I don’t want to drag him far away. You have to cancel your hotel reservation, return tickets and convince yourself that the money lost on this is nonsense, because health is more expensive.

How insurance will help

When you issue your policy, add the "Trip cancellation" risk there. As soon as a situation arises that prevents a visit to another country, inform the insurer about it.

This condition works in cases when, for example, the insured or his close relative has caught an infection (especially dangerous or childhood - rubella, whooping cough, and so on) that requires quarantine. This also includes fractures, if they require outpatient treatment and are accompanied by medical contraindications for travel, and sudden acute illness with the need for inpatient treatment for more than two days.

4. Your baggage is lost

Situation: you flew on vacation to a hot country and found that a suitcase with things disappeared along the way. In the end, you need to buy literally everything: from a toothbrush to at least some clothes, so as not to walk on the beach in a down jacket.

How insurance will help

The additional risk "Baggage" can be specified in the travel insurance. It provides protection against complete loss (destruction) or destruction of items officially transferred to the carrier. If suddenly your suitcase gets stolen, you can get compensation.

One person can insure one or two pieces of baggage for this risk. Loss of personal belongings carried in carry-on baggage is not an insured event. Keep your tickets or boarding passes and baggage tags while you travel - they will need to be shown to the insurer.

5. You missed your plane

It is clear that in an amicable way it is worth leaving the airport in advance, but anything can happen. On the way, your car or taxi may break down or get into an accident. If you can't make it to your flight, we have good news: the policy applies to such situations as well.

How insurance will help

In the event that the delay was not your fault, but as a result of a road accident or vehicle breakdown, there is reason to count on an insurance payment. To do this, you need to add the "Trip cancellation" risk to the policy being issued. Late - immediately call the contact center and tell us what happened.

6. You have lost your documents

A problem that is guaranteed to spoil your vacation. First, you will have to look for a Russian consulate, and then think about where to find money for new tickets, if the old ones are also lost or stolen. It will be long, difficult and stressful without an insurance policy.

How insurance will help

If you have chosen the Premium program when applying for a policy from Rosgosstrakh, feel free to call the round-the-clock contact center. In case of theft or loss of your passport, a service company representing the insurer in the country where you are located will help you contact the consulate and authorities. If tickets are stolen or in other emergency circumstances, the same organization will assist in replacing tickets.

7. You accidentally ruined someone else's property

For example, they came to a restaurant and inadvertently broke an expensive vase that adorned the hall. I don't want to pay, but the administration demands that you compensate for the damage. An insurance policy will come to the rescue again.

How insurance will help

A travel policy allows you to compensate for expenses in a situation where the insured is obliged, by virtue of a court decision, to compensate third parties for harm caused to their life or health, or damage to property.

If you are faced with a property claim or are threatened with a court of law, do not rush to admit guilt or agree to compensation. Contact the representative of the insurance company, he will tell you how to proceed.

The condition does not apply to the use of any vehicles, as well as to rented property, so if you rent skis, ride carefully.

8. You went on vacation in a position, but something went wrong

If complications arise or premature birth occurs, medical assistance can be expensive. For example, in 2018, a Russian tourist went on vacation to Italy, where she gave birth ahead of schedule. The standard insurance did not cover such cases, so the clinic presented the woman with a bill for 18,000 euros for assistance with childbirth and the stay of the child in the hospital.

How insurance will help

If you are expecting a baby, then it is advisable to include in the description of the policy the costs in case of a sudden complication of pregnancy and premature birth. At the date of the onset of the declared event, the gestational age should be up to 31 weeks inclusive, so it is better to spend the last couple of months before giving birth at home.

To get a policy, you do not need to look for the nearest office of the insurance company. You can calculate the cost and take out insurance on the Rosgosstrakh website. Select the country you are traveling to, specify the travel time and add additional options. There is no commission for online registration, and the documents will come to your mail a few minutes after payment.