Planning a trip abroad has always required careful preparation that also includesadequate insurance coverage This type of insurance, often underestimated, is what can make the difference between a pleasant vacation and a real nightmare.
Travel insurance: coverage for going abroad
Overseas travel insurance is designed to meet the risks that we can meet during a international travel. This policy focuses on specific needs that may arise when you are in a foreign country.
Among its main features is medical assistance abroad, which includes the possibility of receiving treatment in the event of illness or injury during travel. Additionally, it offers services such as medical evacuation to more advanced medical facilities or repatriation to your home country if necessary. This insurance also takes into account local regulatory differences.
Let’s see what coverages travel insurance should always have:
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- medical fees pharmaceutical and hospital services, which are first and foremost the first point because each health system is different from the other and treatments are not always free in whole or in part and the bill can be difficult to pay in the event of illness or injury;
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- 24/7 medical assistance and advice in case of emergency or need for medical care;
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- medical repatriationi.e. travel costs to your country in the event of the need for specialist medical treatment or serious accidents or illnesses;
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- medical evacuationin the event of transfer to another more advanced medical facility or medical repatriation to your country in the event of a medical emergency;
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- cost coverage in the event of loss, damage or theft of your baggage during the trip;
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- legal assistance and civil liabilityin the event of disputes or accidents during the trip;
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- reimbursement in the event of a positive Covid-19 test or trip cancellation due to a positive test.
The risks of traveling abroad without insurance
If you decide to leave without adequate insurance coverage, you could run risks:
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- obligation to stay beyond the estimated duration of stay due to illness or injury contracted, which may result in medical expenses but also additional costs for food, accommodation and travel (taking into account the postponement of the date of back) ;
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- inadequate health care that it may not live up to expectations or that there may be language and cultural barriers that make it difficult to communicate with medical staff;
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- medical billshigh if the destination country has a fully or partially private healthcare system, such as the United States or Canada;
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- loss of entire expense airfare, prepaid accommodations and planned activities in case of unexpected events such as illness, family emergencies or natural events.
Not having travel insurance can make your vacation or trip, for whatever reason, much more expensive than expected. On the contrary, investing in adequate health insurance provides the peace of mind of being able to access quality medical care without having to worry about high costs.
How much does travel insurance cost?
THE cost of travel insurance this is one of the excellent reasons why you should never leave without one, the cost is between 30 and 100 euros per week.
The cost of taking out such insurance does not have a major impact on the total cost of the trip you are planning. This applies in general, but on 6sicuro you can choose your insurance policy using the travel insurance quote which allows you to model the coverage according to your needs then compare the offers from different companies and find the one most advantageous for you.
Is travel insurance abroad compulsory?
In some countries, such as China, Cuba, Russia, Algeria, Qatar, Bhutan, Belarus, Iran And Saudi Arabia And OBLIGATORY Have a’travel health insurance in order to obtain the visa and then leave. However, to reach other cases, it is not a mandatory condition to travel abroad but it is only recommended to obtain full coverage during the trip.
Travel health insurance can provide peace of mind when traveling, especially in countries like the United States or Canada, where access to medical services is very expensive, or in places where the risk of contracting illnesses diseases is high. By covering medical expenses, medical evacuations, repatriation and other eventualities, these insurance policies provide additional security that can be crucial in the event of an emergency.
For those planning trips to countries where travel health insurance is not mandatory, it is still advisable to consider purchasing an insurance policy. While not mandatory, it can be a valuable investment in protecting your health and financial assets while you travel. With the ability to customize coverage based on your needs and destination, travel insurance provides essential peace of mind for navigating your adventures abroad.
Travel insurance: frequently asked questions
We searched online for frequent and non-frequent travelers’ doubts regarding travel insurance. In this regard, we offer you a selection of the ten most frequently asked questions, trying, as far as possible, to provide a complete answer, taking into account that each insurance company has options that can vary both in terms of cost and service provided. .
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- What does travel insurance cover? Travel insurance is a contract which provides for a possible compensation for damages or inconveniences that the insured has suffered during his vacation. It can be stipulated for a single trip or even annually and will cover all trips made during the year, depending on the needs of each traveler. The type of travel insurance can be: individual, for a cohabiting couple, for a family and some companies also offer it for groups of people who are not necessarily related.
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- Which policy is suitable for vacation? There is no such thing as a one-size-fits-all travel policy. Online, we have the opportunity not only to search for the company that best suits our needs, but also to compare services and costs through travel insurance comparators.
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- How many days before departure can I take out travel insurance? All travel policies from most insurance companies can be purchased up to the day before departure except for the cancellation guarantee, the latter may vary depending on the company and the contract you sign. Generally, it is possible to subscribe to the contract within 30 days before departure.
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- What does the trip cancellation policy cover? The trip cancellation policy covers all fees and penalties due to cancellation or interruption of the stay. This is coverage offered by all insurance companies for travel in Italy and abroad, but the limits of recoverable expenses in the event of unforeseen events may vary. By subscribing to this contract, it is possible to obtain reimbursement of air transport or catering costs.
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- What is travel assistance? Travel assistance is one of the options offered by some companies that have doctors throughout Italy, Europe and, in some cases, around the world. This means that the insured will have the possibility of obtaining medical advice by telephone and in person in the event of health problems.
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- baggage protection.
- cancellation or interruption of the trip;
- roadside assistance also for your vehicles;
- family support;
- public liability;
- accidents during travel/holiday;
- reimbursement of medical expenses;
- travel assistance; When traveling in Europe, what unforeseen events can you benefit from protection for? Travel
- insurance in Europe provides coverage for many unforeseen events, including:
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- Are travel policies valid worldwide? Travel insurance can be purchased for most countries in the world, except in war zones. On the websites of insurance companies there is a section that lists all the countries of the world in which the activation of the travel policy is not provided.
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- Does the policy also cover business travel? Business travel insurance covers all types of workers for inconveniences that may arise during travel. Many companies offer policies that guarantee comprehensive coverage, even for short trips.
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- Does the policy cover study trips? The study travel policy is aimed at young people going on internships abroad or on study holidays. Insurance coverage can be comprehensive and personalized, for short or long periods.
Each insurance company offers different additional guarantees and may establish specific conditions for subscribing to the contract. Often, certain coverages may include deductibles or excesses in the event of a claim, as well as limitations and exclusions. For example, many health policies do not cover pre-existing medical conditions at the time of subscription.