As a result of the Covid-19 pandemic, we have seen that life and our plans can change from one moment to the next, and one of the collateral damages we have suffered are incidents with trips and/or outings.
Now more than ever, it is necessary to have travel assistance insurance , because we do not know if we will suffer any incident during our trip or if we will not be able to travel in the end.
At Assap Assegurances , we answer these and other questions about what things need to be taken into account when travelling.
1- Wherever you go, always carry basic emergency information with you.
In these times, and now more than ever, it is vital to be able to carry with us all the information about the country we are going to: emergency phone numbers, embassies, etc. It may seem like a very logical thing, but it is one of the most important aspects when moving. In case of any small unforeseen event, it can be of great help!
2- Protect your valuables
As we all know, Andorra is one of the safest countries in the world and sometimes we are too used to not taking care of or watching our personal belongings. It is a country where there is a low risk of pickpockets and a high level of security at night, among other things. Because of this situation, our guard may not be alert. Therefore, despite living in a safe country, always remember to keep an eye on your personal items. Our recommendation? Never carry valuable objects with you. You will be more relaxed and safe.
3- Share your journey with your family during the trip
If you are planning to take a long trip, always communicate with your loved ones. Sharing your itinerary is always a positive and good thing to keep in mind.
4- Invest a little more for your Security
Travel insurance can be a great help.
One of our most important tips is to take out travel insurance where you can have the coverage you need for your adventure. Whether you are travelling very close to Andorra or a little further away, this is one of the most necessary options. It is often thought that it is not necessary and that we have coverage with all the insurance we have, but are you sure?
You may have heard the story of an acquaintance or even a family member who has had something happen to them while travelling, and luckily they had contracted medical assistance and it was covered by their 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: Guarantees 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.
On the other hand, they can always be customized according to each person’s personal needs, such as contracting coverage for theft. If, for example, we carry a valuable item 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 bodily 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 us to take it out. It is fair to say that they are usually cheap insurances and are very worthwhile, especially because they are valid only for the dates of the trip, they are temporary.
Please note that if your trip is less than 3 months, you can purchase Covid coverage.
If you want to know more, contact Assap Assegurances and we will advise you on the type of policy that best suits your needs.