Best travel insurance options for travelers.
Traditionally, travel insurance is understood by tourists as a policy that gives the right to receive the necessary medical care in the host country. The health insurance policy is considered to be an auxiliary document, and its content remains without attention. Medical insurance in travel is necessary, and other types of insurance of tourists will help to avoid other serious problems during travel.
Those who organize their travel through tour operators do not think about health insurance simply because the standard tour packages necessarily include medical insurance policy for trips abroad. However, responsible tourists who prefer to travel on their own, as well as those who often go on business trips, are aware of the need for medical insurance in the journey and buy insurance policies themselves, as a rule, through online booking on the website of insurance companies.
At the same time, in addition to the standard medical insurance, you can protect yourself in case of other unforeseen circumstances. For this purpose, for example, there are many other opportunities that include insurance against loss of luggage.
Features of tourist insurance
According to the law, insurance is the main way to ensure the safety of tourists abroad. There are two types of insurance compensation for tourist risks:
Compensatory: The tourist shall pay all costs and then, upon return to the country, makes records to the insurer, who in turn will compensate for all proven costs. This form of insurance implies that the insured person has personal funds for all contingencies.
Service: The insurance company enters into contracts with foreign insurance companies specializing in the support of tourists and compensates the costs incurred in the insurance case directly. It is obvious that this type of insurance is much more convenient for a tourist who just calls the phone number listed in the policy and gets the necessary assistance within the insurance amount.
The cost of the travel insurance policy is affected by the set of risks and the amount of the sum insured. Insurance companies usually offer standard insurance programs for tourists, but some of them provide an opportunity to include additional risks or conditions in the policy.