Insurance against not going abroad - what includes and is needed

Still, non-departure insurance applies more totrips on the tour. But if you are traveling on your own and want to arrange it, you can do it in person or online (for example, via the Cherehapa service). Although, of course, independent travelers have more room for maneuver - you can take return tickets, make unpaid hotel reservations, etc., therefore, they are much less likely to take out travel insurance.

However, the situations are different for everyone, so after readingThe following text with an analysis of all major issues, you can decide for yourself whether it is needed in your particular case and to what extent (non-issuance of a visa, some insurance people take out as a separate item).

The content of the article

Insurance against travel abroad

Sure to look My main post about insurance, compiled after analyzing a huge amount of feedback and personal experience (plus a little bit of insiders). I try to update it promptly so that you can always choose more worker insurance.

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Who needs it and why

What is travel insurance and in what casesis she needed? Usually it is bought along with a trip abroad at a travel agency. And even without noticing this, as it was immediately included in the tour price for some tour operators, and in order to refuse it, you need to write a statement. Independent travelers make such insurance very rarely.

On the need to make travel insurance,as a rule, it is the tour operators who sell vouchers and tours abroad (although it can also be done when traveling in Russia), they say. Major tour operators, such as Biblio Globus, Tez Tura or Pegas Touristik, always advise their clients to do this. However, insurance companies try to minimize their expenses and formulate insurance conditions so that most of the risks are not their responsibility. That is, in fact, insurance can work in quite rare cases. Therefore, some tourists prefer to save on this point, considering the risks are negligible. But still, when buying an expensive tour, or planning a costly independent journey, or considering your personal circumstances, you may still decide to make this insurance.

Insurance against not going abroad - is it necessary?

Insurance against not going abroad - is it necessary?

Travel cancellation is most relevant ifyou are going to countries where you need to apply for a visa in advance (first of all, these are Schengen countries). You pay in advance for the tour or buy your own tickets, book your accommodation and suddenly you are denied a visa. Just in this case, you can insure.

If you are going to the country where the visa isis done on arrival or not needed at all for a short stay (for example, Thailand), you can also insure against your stay with a big desire, because non-issuance of a visa by the embassy is not the only reason for which the trip can fail. About this below.

How much is insurance, where and how is issued

Personally, I'd rather take more expensive traveller’s own insurance, and for such options (insurance against departure, from accident, from the cancellation of the flight, etc.) would score. Moreover, even if I went on a tour, I would buy a separate traveler insurance, since insurance from tour operators is usually so-so. I talked in great detail about traveller's insurance and all the nuances associated with them in this post.

Of the documents for registration of an insurance policy, only a passport is required.

The cost of insurance depends on the total cost.your trip, usually from 1-5% of the tour price. When you buy a tour through tour operators, it will be cheaper to make travel insurance than when you buy a policy from an insurance company yourself, as an individual. Insurance conditions for all companies are different, some necessarily require a signed contract with a travel agency, others do not. Another typical condition for the purchase of insurance - it must be purchased at least a few days or even 2 weeks before the start of the tour, that is, in advance.

In case you are traveling on your own,then you can estimate in advance the cost of the traveler’s health insurance with the help of this online calculator, both with and without the option of insurance against not leaving, and decide whether to add this option or not. The cost will vary depending on the amount of travel cancellation insurance (500-5000 ye), and the risk of visa denial is selected as a separate item and also increases the cost of the policy. But you need to understand, since such insurance is usually offered by travel agencies, then you can buy it directly from rare insurance companies. But I know that Ingosstrakh sells straight a separate insurance against not leaving.

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In some insurance companies you can choosewhat exactly to insure against: non-issuance of a visa, illness, or all together. The cost naturally will also differ, the more risks you insure, the more expensive the insurance. For example, from not issuing a visa with the minimum insurance amount pay 500 rubles, and for all the risks with a maximum insurance amount of 10,000 rubles.

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What to do to get paid list of documents

The first thing to do after the offensiveinsurance case - notify the insurance company. Typically, the contract must be done within 48 hours. The next step is to apply to the insurance company. In the application, you can specify the number of your account, where the insurance should transfer money. You also need to collect the necessary documents confirming the occurrence of the insured event.

The list of documents for the insurance company (depending on the case) may include:

  • An extract from the history of the disease;
  • Death certificate;
  • Help from the police, confirming the damage to property;
  • Court summons;
  • The agenda in the draft board;
  • A copy of the visa refusal page;
  • Documents confirming actual expenses (receipts, checks, etc.).

What insurance covers and covers

This is perhaps one of the main issues. Because, if you look into it, it is not that easy to get paid on non-travel insurance.

The insurance amount is paid only whenoccurrence of the insured event. The list of insurance claims is prescribed in the contract. Therefore, first of all carefully read the contract. And remember that insurance in any case covers the cost of services, documented minus the cost of the insurance policy and deductible (if available). Only actual, documented losses are reimbursed. If a hotel reservation or tickets can be canceled for free, the insurance will not refund the cost.

In which cases usually pay

So what are the most often in practice there are insurance claims for travel insurance?

  • Denial of visa (Schengen or any other)the insured or one of his fellow travelers, if they are close relatives (parents, children, spouses, siblings). Only a few insurance companies pay damages if the companion of the insured, who was not given a visa, is not his close relative, but is reserved by one room with the insured.
  • Illness or death of the insured or closerelative. In case of illness, an insured event is considered only as a hospital, if you are sick and even injured, but do not lie in the hospital - the insurance is not paid.
  • Damage to the property of the insured (due to fire,flood, hijacking, theft, etc.). But usually it should be a major damage, its value is stipulated by the contract. Not all insurance companies include this item in the policy.
  • A summons to the court (if the insured did not know about this at the time of the tour purchase), a subpoena to the draft board.
  • Late receipt of a visa.
  • Early return of a tourist from abroad in case of illness (subject to mandatory hospitalization) or the death of his close relative. There are not all insurance companies.

What travel costs can be reimbursed for insurance in case of a proven occurrence of an insured event:

- Hotel accommodation
- Meals, including meals when the departure is delayed
- Flight or train fare
- Other modes of transport
- Various prepaid services - excursions, tickets, etc.

But keep in mind that even with the occurrence of the insured event and after contacting the insurance company with the necessary package of supporting documents, the insurance can sometimes still refuse to pay.

In which cases usually do not pay

  • For moral damage compensation is not provided.
  • If the insured’s fellow traveler cannot travel, thenmost often, compensation is paid only if it is his close relative. Not all insurance companies cover the cost of returning back sooner or later.
  • In some cases, tour operators may failfrom the tour to impose fines under the contract for the provision of tourist services. Such expenses will be covered by non-departure insurance, if this is explicitly stated in the contract or insurance policy. This does not reimburse one-time payments and fees paid by the tourist, if they are not included in the package of tourist services. For example, the consular fee for a visa.
  • In the case of illness in most casesonly hospitalization and hospital are counted. Just sick leave, including because of a fracture, for example, a leg, if you are not in the hospital, it is not an insurance case. Another caveat - if you have a chronic disease and you knew about it beforehand, even in the case of hospitalization - this will not be considered an insured event.
  • Natural disasters (tsunami, storm, volcanic eruption, etc.), all kinds of unrest and uprisings in the destination country are often not considered as an insured event.
  • In case of any documentary problems: documents are provided with false information or with incomplete information, or it will be revealed that the tourist intentionally increased the amount of the loss, or the address to the insurance was too late (the terms of treatment are established by the contract).
  • Tourist suffered in a state of alcohol, toxic or drug intoxication.
  • Delay, transfer or cancellation due to the fault of the carrier.
  • In case of refusal in a Schengen or other visa, ifthe insured has previously been waivers. Also, some insurance does not reimburse expenses in case of a refusal of a visa if the documents for the embassy were incorrectly executed or filled out. It does not matter whether the tourist himself filled out the documents or with the help of a travel agency.
  • Conscious injury or suicide.
  • Pregnancy.

P.S. In general, decide for yourself whether you need such insurance or an option or not.

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