Why travel insurance?
It is true that we sometimes think that it is not necessary to take out travel insurance … We tell ourselves that nothing will happen to us… And yet! Anything can happen, and even the smallest injuries or illnesses can cost us dearly abroad.
During a trip, we are not immune to an accident, even before arriving at our destination; we may be late or have to be forced to cancel our flight… On the spot, it is possible that we hurt ourselves or someone else, that we fall ill, that we lose our luggage; our papers and that we have to be repatriated etc… Just as many situations as travel insurance can cover. Thus, we leave much more serene and we can fully enjoy our Safe Trip.
Things to check
When looking for the most suitable travel insurance for your needs, make sure that the solution you opt for more than covers your medical expenses.
Good insurance companies cover your medical expenses up to 100,000 $ or more and it depends on your subscription.
The services that good travel insurance must offer
• The validity of services in most parts of the world and the Coverage of legal expenses .
• Adequate coverage in the event of an accident or in the event of sudden injury or illness.
• Provide comprehensive coverage for emergencies or disturbances occurring in your destination country.
• Coverage of legal expenses.
• The Company Must provide you with financial protection in the event that the transport company you have chosen goes bankrupt and you find yourself stuck abroad.
• In the event of an emergency, you must be able to access its assistance services 24 hours a day.
• It must cover all kinds of cancellations (travel, hotel reservations, plane tickets or any other means of transport) and the loss, damage or theft of your personal items such as your jewellery, your luggage, your documents, etc..
Remember to find out what is not covered by your travel insurance, for example you will not be reimbursed if you have been reckless.
Am I covered by the insurance included in my credit card?
Your credit card allows you to benefit from only basic coverage such as
• Repatriation assistance (including coverage of some medical expenses with a deductible of $50 for a doctor’s consultation).
• Death and disability insurance.
But you must already have the premium version of the cards for them to be sufficient, namely the Gold or the Mastercard.
Two important things to know too: Visa and Mastercard cover you for 90 days after your departure. You must absolutely pay for your plane ticket with your card to benefit from the insurance.
