It is always advisable to take out insurance when we go on a trip, especially now around the pandemic. It is important to see the coverage when reserving it since there are variations with respect to Covid.
Travel insurance:
- Travel insurance It is something totally necessary and essential when we go on vacation, Although many times we do not use it, we enjoy the tranquility of being covered if something unforeseen should happen without having to pay an excessive amount of money that many times we do not have. When traveling it is necessary to hire the best travel insurance, that covers not only medical coverage but also lost luggage, cancellation and / or repatriation expenses or early return.
- In some countries medical expenses can exceed and double the total amount of the trip and not to mention if we add to this hospital admission or medical examinations. Contract travel insurance gives us guarantees because with just one call we can cover our unforeseen, taking into account the discomfort of the situation. Depending on where we are, we can go to a member center or a private center with the peace of mind that international insurance will take care of all expenses when returning from the trip or at the time depending on the situation. It is important to reflect in the case of a critical situation in which we lose our nerves and do not know how to act, This generates a speed to the management in case of emergencies and relief to face the case.
- We often think that taking out insurance is unnecessary because what is going to happen to us?! Nothing has ever happened to me! The most convenient thing is to hire it together with the confirmation of the trip, in this way the cancellation costs will be covered, as well as all other coverages in advance. Also, Currently with the pandemic situation some countries request insurance as an essential to enter as tourists, with a minimum of medical coverage to cover all the needs in case of contagion by Covid-19 during the trip.
- We just need not to hire you to have a setback, an allergic reaction, a sudden heart attack, or just a silly fall that ends in a fibula fracture. Sometimes we are not aware of our fragility when it comes to health, We must also take into account the annoying events that can occur during a trip such as flight delays and loss of connections, inconveniences with luggage such as breakage or loss of the suitcase, Although the airline must be responsible for it, the insurance serves as a backup in terms of monetary coverage and compensation.. And take into account cancellation costs if a close relative dies before leaving or while traveling, or being less tragic they enter you seriously, we have a car accident, etc. there are thousands of causes and advantages to take out insurance.
- It is important to highlight the destination where we are traveling to decide what type of insurance to hire for medical coverage, Since, as is the case in the United States, where health care is very expensive, it is highly recommended to take it and for that reason some insurances do not cover that destination., that is to say, It usually includes a supplement, as is the case with cruises that carry special coverage, since medical care on board is private and expensive.. It is also the case of some Asian countries that have only private healthcare, where we can suffer decompensations more easily due to food and climate, in fact some recommend taking mandatory vaccines. There are also destinations where it is requested international insurance mandatory at the entrance of the country as is the case of Cuba, for example.
- If we talk about insurance prices, there are many, differ in their coverage and franchises, Although there is insurance that covers everything if the franchise is a very low price (amount for which the passenger is covered) will be of less value like this for example: If we contract a standard full insurance, the coverage for cancellation costs will be 50% of the amount of the trip, on the other hand, more complete ones will cover the 75% or the 80% or in some cases until 100% as long as it is a justified cause. The price also varies depending on the days of contract, so, for example, the price for a trip will not be the same. 1 week to a trip of 1 my, That is why it is often advisable to take out annual insurance that covers all the trips you make in 1 year and may be cheaper than hiring it in the singular.
- Today, due to the global health situation due to Coronavirus, the insurance coverage has been re-raised to provide the passenger with new services and thus be able to travel with more peace of mind if the destination allows. In the insurance comparison section we indicate which are the best insurances that cover all the unforeseen due to Covid reasons, as well as the most important companies with the best coverage in value for money.
Insurance comparison:
- Regarding coverage for Covid refers to the best insurance on the market are:
- Bujaldon that has a range of insurance both individually and in groups with Assistance and / or Cancellation by Covid.
- Innovac who have a selection of vacation insurance with coverage for Covid, in addition to covering other areas such as home, automobiles, etc.
- Other insurances are:
- Mapfre: has a wide variety of unique insurances in its coverages depending on the circumstances such as adoption travel; camps and colonies for children or erasmus for adolescents who are going to study abroad. Its most generic product is the Temporary Vacation.
- In the case of insurance Axa specializes in the Schengen zone in particular and Europe in general, although it also has global insurance such as Axa Premium world.
- On the other hand, Here owns a product called Estrella Premium which is the most complete covering from trip cancellation to advance of funds.
- In the case of Interworld Although it has some specialized insurance, it offers the alternative of contracting a global product such as Gama Totaltravel, valid worldwide, customizable and with 3 different modalities: Totaltravel mini; Totaltravel and Totaltravel Premium.
- It is very important to know how to detect the value for money according to the coverage, since sometimes we can take out insurance that is very well priced, but at the moment of truth it does not cover almost anything or the franchises are very low, which is the same for that matter, so, We must take into account and read the fine print when it comes to insurance so as not to regret it later.
Daiam I.
