What Is Travel Insurance And Tips For Choosing Travel Insurance

Definition of Travel Insurance is an insurance product that is specifically for a traveler to protect them from risk during a business or leisure trip. Travel insurance is used for emergency purposes when when traveling abroad, things that are not desirable to you occur. Travel insurance can not only benefit you, but also people around and everything you leave at home. Do not let the fun holiday trip you do so a nightmare that is not expected when the risk occurs. One thing that is equally important, but often forgotten, is the need for comprehensive travel insurance. Flight delays, sickness, accidents, and theft can change things to be unpleasant and damage a well-planned vacation.
In traveling, everyone has different goals. Starting from vacationing with family, studying, business meetings, or other. All trips are done in the hope of feeling safe and comfortable. So, complete your trip with Travel Insurance for full protection while traveling. Domestic and overseas travel insurance is needed for every traveler who wants to travel, especially abroad.

Travel Insurance to Europe

While for travel insurance to Europe you need a Schengen Visa. Travel insurance to Europe with a Schengen Visa is one of the insurance products used as collateral for traveling to the European part in the Schengen area. Schengen Visa is a document issued by an authority to parties interested in visiting or traveling to the Schengen area. This Schengen visa is valid for those of you who want to do a holiday trip or do business in Europe. According to the information, the maximum time limit for using a Schengen Visa is 90 days within a period of 6 months.

travel insurance, life insurance, health insurance

For information, of the 26 countries that are bound by the Schengen agreement, 22 of them are part of the European Union and 4 other countries are non-EU. Currently, several countries that have been joined include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal , Slovakia, Slovenia, Spain, Sweden, Switzerland, and Liechtenstein.

Here are Tips on Choosing Travel Insurance:

Know in detail the contents of the premium

Buyers of travel insurance premiums must examine the details of what things are covered. Don't buy insurance premiums that are the same as the premiums we already have. For example, buying insurance that is included in the health insurance that we have. So make sure to buy insurance premiums that are as needed.

Look for comparisons

Compare the same premium prices and facilities from other insurance companies. Don't let the term buy a cat in a sack hit us. It is important to determine which is more appropriate and which is not suitable for the needs.

Buy it at the right agent

Travel insurance can be purchased through insurance agents, travel agents, or online. Most importantly, make sure the data about us that is entered by an insurance agent or travel agent is the correct data. Check the fields again before buying.

Additional travel insurance premiums

For high-risk travel or travel, usually insurance companies are reluctant to bear. High risk in question is sports, wildlife tours, or to a place considered dangerous eg to the conflict area.

Ensure the Insured's Health Conditions

Understand that every insured has a history of illness and generally insurance companies do not bear the health conditions that have been there before. You should be honest, though at first glance seems to hide profits

Additional travel insurance premiums

For high-risk travel or travel, usually insurance companies are reluctant to bear. High risk in question is sports, wildlife tours, or to a place considered dangerous eg to the conflict area.

Ensure the Insured's Health Conditions

Understand that every insured has a history of illness and generally insurance companies do not bear the health conditions that have been there before. You should be honest, even though at first glance it seems beneficial to hide the health conditions that have been experienced before, when a claim occurs, you may be rejected. Insurance companies will usually ask for details of a medical history that actually results in a rejected claim, if you get caught lying. To avoid this, it is highly recommended to disclose all the health details at an early stage with the truth so that you do not experience the claim case being rejected.

Of course, what is offered by an insurance company that one with another can be very different. The point is to ask as much and as clearly as possible before buying travel insurance products. Remember, insurance is purchased for your protection.

Share this post