When someone anticipates a journey to a foreign country, he or she faces the necessity of choosing the most advantageous travel insurance. We don’t usually rack our brains very much on this problem and even don’t know what cases our insurance may cover; however, right travel insurance will definitely secure your journey and help you enjoy your trip fully.
Before choosing an insurance company, a tourist should search for many different options. The best way to make a right decision is to settle on the company both with faultless reputation and with insurance policy available, designed for your particular travel. The type of insurance depends on how much risk a journey bears, for example, in order to go in for extremal sports, you need special insurance. All details must be considered and talked over beforehand in order to exclude the possibility of unexpected events. Nevertheless, every travel bears a large number of dangers, and they are usually included in a basic insurance pack.
Minimum insurance usually includes emergency aid when a person’s life is really in danger. Most travel insurance policies do not cover pre-existing medical conditions. It means that if someone has sickness or an injury, received usually within 90 or 180 days before the date of his or her departure, and stands in need of medical treatment, he or she doesn’t have a right to claim for compensation. Unfortunately, companies often try to prove that an existing medical condition is pre-existing one in order to refuse to pay on such grounds. But bear in mind that there is a solution, because if you buy an insurance policy within a week or two after your first payments and for the full value of non-refundable prepayments, many companies may recede from their exclusion of pre-existing conditions.
The other problem which may arise while selecting travel insurance is that some companies offer only secondary coverage. It means that you will need to pay for your treatment when treated abroad, and a company will repay your expenses after you have arrived home. On such grounds some disagreements may appear about whether you followed the whole procedure correctly. It can even lead to a company’s refusal to repay. For this reason, you should pay much attention while registering your insurance policy to whether it is primary or secondary and choose the former one.
If an insurance policy is organised properly, and either you, or your companion or a member of your family falls ill or falls victim to an accident while abroad, insurance will work. However, there are some cases which are not expected at all and are hard to predict. They are called a force majeure, and if you wish to cancel your journey due to your prevision of danger, in most cases you will get no reimbursement of your loss. Insurance may work only if a force majeure occurs directly in the midst of your trip and only in case insurance covers a force majeure.
For these reasons, selecting travel insurance is not an easy job, and being a traveller, you must take all the tips into account while planning their journey.