Surely you are ready for your long-awaited trip abroad: plane tickets are purchased, documents are all right and suitcase no longer closes. It is always awesome to wait for some great emotions. But sometimes there are some troubles at this time: theft of personal stuff, car accident or problems with health. No one is protected from it. Well, this is necessity! What is insurance and why it is required — in our material.
You went on a tour of Europe. You enjoyed foreign dishes, ate and drank the most outlandish things, and as a result your seal has fallen, for example. It is necessary to go to the dentist, immediately, because you do not want to spend the rest of the trip with a toothache, right? For the sake of fairness, we note that dentists somewhere in Germany will take about 600 euros for a standard white filling.
So, in order to avoid unnecessary expenses, you should rush headlong to the insurance company, behind the policy. But the seal is not the only valid reason for this. The presence of the policy is a mandatory item in the list of necessary documents for crossing the border.
Before making travel medical insurance you should be familiar with its main types and types of services provided.
Quite often tours from agencies include insurance. But that’s the tea: the travel agency requires a commission, and then the insurers, in order not to increase the cost of the package (and the tour) too much, issue policies with a huge amount of restrictions. Due to such corporate manipulations of insurance, it is very difficult to obtain medical assistance. Such a package will cover only a part of the treatment costs (for example, only one third of the amount for the white filling will be returned to you).
In principle, everyone can calculate the cost of insurance based on their preferences. There are even special independent resources, for example, parasol.ua.
When selecting the category ‘Travels’, a questionnaire is opened, where the user is offered to choose one particular country, a state from the Schengen zone or the whole world. Recall that the cost of insurance depends on the type, duration and purpose of travel and the age of the tourist. This is how the questionnaire looks like:
Choose ‘Compare Prices’ and wait until all possible offers are generated. It offers us to purchase a travel insurance worth from 151 to 273 UAH, this is on condition that the insurance amount will be approximately 30 000 EUR.
More recently, by the way, the Kyivstar mobile operator and one insurance agency launched a travel insurance service for its subscribers. The price is almost the same as usual, but you do not have to come to the insurer's office.
Traveling — it is always some extent the risks: the loss of the luggage, force majeure on the way, poisoning due to exotic cuisine and so on. And those who loves to profit on someone else's goods.
Study the crime rate in the city where you are going. For example, so-called pickpockets are being traded in many European cities. Google some news or notes about possible risks, such as robbery, civil unrest and other ‘charms’.
Make sure your backpack with documents is securely closed. Buy the good old code lock. And be sure to find the hotel, which has a strongbox for guests. For example, the hotel chain called Ribas is always ready to offer either a personal safe or a storage at the reception. So you can relax, because the most valuable things will be safe.
Travel insurance is a very important investment. This is a guarantee that you will be able to compensate for the loss of valuable things in the case of their theft, and the treatment will not cost a lot of money and you will be provided with an expert help.
Take care of yourself and have a good trip!
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