2022-05-09 12:35:00
09-05-2022, last update 09-05-2022 14:35
source: Życie Warszawy
By purchasing them before departure, you can be sure that even in a difficult situation abroad, the insurer will provide you with financial support. This type of insurance is useful both during a long holiday and a short city break. See where to buy them.
Travel insurance – why is it so important?
Stomach problems after eating local food, skiing accident, injury while diving – these are just a few examples of unpleasant situations that can happen to you during your holiday. It may turn out that due to the deterioration of your well-being or an accident you will need to see a doctor or call an ambulance, and in extreme cases even medical transport. Without travel insurance, you will pay for all this out of your own pocket, which is often a considerable amount.
The travel policy protects you against medical costs, but it can also be extended to other situations. You can insure your luggage or protect yourself against damage caused by children. Travel insurance with a sufficiently high guaranteed sum plus several extensions will allow you to rest carefree during your trip.
How to match travel insurance?
The travel policy should always be adjusted to the trip. You will insure yourself differently for a weekend with a friend in Amsterdam, and differently for a two-week holiday with children in Mexico. You can buy very easily travel insurance online, but before you decide on the offer of a specific insurer, analyze several travel issues.
- The country you are leaving for. It is worth paying a higher guaranteed amount of treatment costs when going to countries where medical care is expensive (e.g. USA, Australia). A stay in an exotic country, with a different climate and cuisine, can cause a deterioration of well-being, so when traveling far away, it is worth taking better insurance.
- People who travel. If you travel with children, it is worth buying third party liability insurance, which will cover the costs of any damage caused by children. If the participant of the trip is an elderly person, you should find out whether the basic insurance package includes medical assistance and for him. Many insurers place a clause that people over 70 years of age you need to buy an extension.
- Scheduled activities. If you are planning sports, especially extreme ones, protect yourself against all kinds of injuries and accidents. It is best to buy the “rescue” option. If you plan to drink alcohol on holiday, extend your protection with the alcohol clause.
It is always worth insuring yourself for a slightly higher amount, because thanks to this you have the guarantee that even an expensive hospital stay will be paid for by the insurer.
Where to buy travel insurance?
It is best to buy travel insurance a little earlier than before departure. First of all, because you will have time to compare offers and choose the one that best suits and is the most affordable. You do not have to go to individual insurers for this purpose, you can conveniently buy a policy online. You just go in travel insurance ranking, where the offers of various insurance companies are collected. Having them all in one place, it’s easy to make a decision.
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