Generally, when we start preparing a trip , and even more so if it is a long stay, we make a list of everything we will need . Depending on the destination , the company and the time of year , there are imperative things that are not even questioned, but the forgotten task is usually to add to this list the fact of taking out travel insurance .
It is often thought that it will not be necessary, because we believe that we are already covered by the insurance we have and that in the end we will invest unnecessary money because nothing will happen to us and we will not use the insurance , but it is not at all advisable and it is putting one of the most important moments at risk. Surely we have all heard some anecdote from a relative , friend or acquaintance who has had something happen to them while travelling, and luckily for the medical assistance they contracted , they have been covered thanks to the insurance.
One of the advantages of this product , travel insurance , is above all the hospital expenses and repatriation costs . For destinations such as the United States , which do not have public health , suffering an illness and/or accident can cost approximately €95,000. For this reason, this insurance with an extension of the guarantees will be the most intelligent option.
There are different types of travel insurance : basic , extended , cancellation and adventure sports .
Basic & Extended : The only difference between these two types is the amount guaranteed by each of the coverages for medical, surgical, pharmaceutical and hospitalization expenses due to illness or accident . The rest of the coverages are usually identical, such as dental expenses , travel of a family member due to hospitalization , loss or damage to luggage , etc.
Cancellation and interruption of the trip : You are guaranteed reimbursement of travel expenses provided the cancellation is justified. For example, due to dismissal from work , a call to the polling station, an operation or hospitalisation, etc.
Adventure sports : More and more adventure sports activities are included in this type of insurance . If we are going to a country where we will be skiing , climbing, rafting , etc., it is advisable to take it out.
There are also business trips , study trips and cruises . These modalities also offer coverage appropriate to the activity .
In addition, they can always be customized according to each person’s personal needs, such as contracting coverage such as theft . If, for example, we carry a valuable object in our suitcase , this coverage will have to be mandatory . Civil Liability coverage will also be essential to be covered in the event of material or physical damage to a third party . Even pet coverage , in the case of traveling with a pet, will solve many complicated situations, such as veterinary assistance and/or hospitalization .
Our recommendation is to calculate the price of travel insurance and take into account the possible incidents and whether it would be worth it to take it out. It should be noted that these are usually inexpensive insurance policies and are very worthwhile, especially because they are valid only for the dates of the trip, which is temporary .
Travel safe! Travel responsibly! Travel with ASSAP !