If you are still not sure what travel insurance is for, we will tell you just a few reasons why you will realize that you need one for your next adventure.
1. STAY PROTECTED AND ADVISED AT ALL TIMES
Insurance is the best travel companion you can have, since it is always there to resolve any queries you have before, during and even after the trip: from informarte about what you should do if you get sick to help you recalculate the route of your trip if Some unforeseen thing arises, going through the instructions to follow if you lose your documentation or the keys of home being abroad.
2. RECOGNIZE A COMPLETE MEDICAL ASSISTANCE
Whether traveling or not, the first thing is always health. Wherever you are, travel insurance guarantees full medical care for any problems that may arise. Whether it is a simple cold or an accident injury, you will be treated in the best medical centers around the world.
But not only that. Do not you understand what the doctor or pharmacist tells you? Insurance will provide you with an interpreter. Do you need medicines that are not marketed in the destination country? The insurance company will send them to you as soon as possible. In addition, if you need a special transport to go to the doctor, the insurer will also run the costs, even if the problem is aggravated and you have to go home.
3. SAVE MONEY
It is strange to think that by hiring a service you will save money, but that will be if something unexpected happens during your trip and you have insurance. For example, in the case of health care, in some countries a routine visit to the doctor for a minor health problem can cost much more than the price of insurance.
But there are more cases. If for a delay in the means of transport you have chosen to travel you are forced to change your plans, and even lose some of the services that you have contracted (hotel nights, activities, transportation ...), insurance guarantees a Plan B or the reimbursement of the services that you have not been able to enjoy. In addition, in case you need it, the insurance advances you money so you can continue with your trip.
If to all this we add that the price of the insurance is insignificant in comparison with the total expense of the trip, the saving of money becomes one of the main reasons to contract insurance.
4. SAVE TIME
We already said it before: insurance solves the different actions that come with unforeseen situations during a trip, such as, for example, that the airline is late in returning the suitcases.
When there are incidents with luggage, airlines take an average of 42 hours to return the bags to their owners. For this reason, the insurance covers the expenses of the basic necessities that you need to buy to continue with your trip.
In these cases, the passenger is entitled to compensation, and here too you can save a lot of time. Insurers typically take about 15 days to reimburse the compensation for delay or loss of luggage, much less than the airline would take - and with fewer paperwork.
5. CAN CANCEL YOUR TRIP UNTIL ONE DAY BEFORE YOU LEAVE
We are more and more forward looking when it comes to preparing our holidays, but that reduces the possibilities we have to anticipate a situation that prevents us from traveling. Travel insurance with cancellation cover gives us total peace of mind to make our plans knowing that if we have to cancel the trip, we can do it without losing money until one day before its start.
The same is true if, once we are on the road, we have to interrupt and return home. In these cases, the insurance takes care not only of the return trip, but of compensating you for the days that you have not been able to enjoy.
6. RECEIVE ADVICE AND LEGAL PROTECTION
We know that you are a responsible traveler, but if when you are out involuntarily causes some harm to third parties (in people, animals or things), travel insurance can help you. These policies include guarantees to meet legal expenses, including bail.
In addition, the insurance company offers legal advice on everything related to your trip, including claims that you have to file for damages that you suffer as a pedestrian, driver or passenger or for contracts of purchases or services.
7.CAN TO GO HOME
Do you have to go home early because of an illness or accident during your trip? Travel insurance not only covers medical expenses anywhere in the world, but also covers the cost of rescue, rescue and repatriation in health transport if necessary - something not covered by the European Health Insurance Card or many medical insurance - .
The travel insurance also covers other medical expenses for us, such as the displacement of a relative to accompany you in case of hospitalization.
8.THE INSURANCE ADAPTS YOU
Why pay more for something you do not need? InterMundial travel insurance is customizable because we understand that you do not need the same if you go cruising than if you spend a few days at the beach or go to play sports, just as it also matters the destination and duration of your trip.
For this reason, you find annual travel insurance, in case you are one of those who make at least 2 trips per year, insurance that covers the practice of sports, if you are of those who travel the world with skis and surfboard in The suitcase, and even travel insurance for the whole family or for your pet, in case you are one of those who never travel alone.
9. WHERE THE MEDICAL INSURANCE OR INSURANCE INCLUDED IN THE CREDIT CARD IS NOT SUFFICIENT
Do you have health insurance or your credit card includes travel insurance? These are just some of the advantages offered by specific travel insurance with respect to the two previous ones:
Regarding health insurance:
- - Coverages: Travel insurance includes, as medical insurance, health care abroad, but also others such as repatriation or problems related to luggage, documentation, transportation, accommodation or even cancellation of travel.
- - Age limits: Health insurance usually includes age limits, excluding children and over 65, something that InterMundial travel insurance does not do.
- - Price: Health insurance is usually contracted annually. If your intention as an insured is to be covered only during the time your travels last, it is usually more economical to hire travel insurance that covers only this period.
- - Health care abroad: With travel insurance you will have the option to contact directly through the 24-hour assistance number with the insurer, you can know which health center to go to and you will have covered medical expenses immediately, without having to Wait for future repayments. This is especially important in countries such as the United States, where health care can reach very high levels.
10.ING SOME COUNTRIES IS MANDATORY
This, without doubt, is a great reason. There are certain countries that you can not travel to if you do not have travel insurance. This is the case of Cuba, which requires all its visitors to have a travel policy that has extensive coverage of medical expenses, repatriation and 24-hour assistance. Also from Russia, which puts travel insurance as a condition to get the visa.
But there are many more destinations for which it is mandatory to take out travel insurance. You can see the complete list here.
