When choosing travel insurance, most importantly, be well advised by specialists in travel insurance underwriting, many insurance company puts at your disposal by telephone, email, skype, chat and contact form, personal advice; independently of this, we recommend that you do not pass by the following high points:
1. Health Care: One of the major travel insurance is to protect your health. Hire sufficient medical coverage depending on your destination. In the U.S. and Asia the coverage should be much higher than in Europe due to the high costs involved in medicine.
Look in the USA what can cost you:
Ambulance Transportation: $ 475; oxygen cylinder: $ 50, gasoline: $ 7, total $ 532 for a ride to the nearest hospital. there is still more. Stay in a room emergency service for three hours: $ 662; health care: $ 106 and about $ 5 drugs.
Want to surprise you even more?: For appendicitis, the bargain price of around $ 40,000.
2. Repatriation Health: In case of death or serious accident, it is important that coverage of repatriation does not have any economic or geographical limit and can be accompanied by a relative without any additional cost.
3. Conditions of policy: It is also very important to read the fine print to see if certain conditions or illnesses are excluded from insurance if an accident or mishap occurs. There are many company has already done for you, when choosing the insurance we have verified all the conditions of policy, to avoid any unpleasant surprises when you travel.
4. Overbooking: It's amazing to happen but unfortunately ... happens. The overselling of tickets is very common and can cause you great expense. Coverage for overbooking is recommended to be high.
5. Theft or loss of baggage: This is the most frequent coverage regarding claims. Theft or loss of baggage and documentation must be sufficiently covered by the guarantees of your travel insurance policy because this incidence is a major problem and a nuisance when you're far away from their habitual residence.
6. Telephone Support 24 hours: It is very important that the insurance company will provide a telephone customer service 24 hours a day, with local numbers or collect calls, every day of the year, to address questions or claims. This number must also be available to coordinate cases and, if possible by the medical infrastructure of the place, give you attention in the country where you are.
7. Stay at hotel for delays: In case of delay in transportation or inability to travel by adverse weather conditions, insurance should cover the extension of stay at the hotel, at least five days.
8. Liability: Increasingly incorporate travel insurance liability costs, the contractors for your home?, Why not do it for your trip abroad, have liability coverage that can be useful abroad if suffer an incident or accident involving personal injury to third parties.
9. Sports Risk: If you travel during activities or extreme sports, ask us about insurance with specific coverage.
10. Trip Cancellation Coverage: All insurance companies offer plans which include cancellation fees if the client you encounter any unforeseen event that prevents you from starting your trip.
Having to cancel your trip, is very common duty to pay a penalty for the cancellation, which can be one hundred percent of the reservation. It is especially useful for trips organized well in advance to have a trip cancellation coverage.
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