Tripinsurance insurance in 2019 - terms and traveler reviews

Collected insurance reviews on my blogTripinsurance. He described all the pros and cons of this insurance, so that it would be easier for you to understand whether it suits you or not. And he set out in an understandable and human language important conditions for insurance programs that are worth paying attention to.

I myself have already made this insurance in Europe when I went to the Czech Republic. I can safely recommend.

The content of the article

What is Tripinsurance

The company has its own call center and itsAssistance that serves customers in all countries. There are treaties with other assistants, including Mondial, in order to speed up the receipt of assistance. In fact, Tripinsurance themselves have now become an assistance, which sells insurance.

Their reputation over the past few years is in order, so you can safely take insurance. If you do not quite understand what assistance is and how insurance works in general, then read My main post about insurance.

The policy will be, as before, from the insurance companyLLC Absolute Insurance. Only now greatly improved the conditions for chronic diseases, dentistry and insurance amounts (at least now $ 250 thousand). And do not look for this proposal from the Absolute itself, it is not there. Many insurance now work through such intermediaries and with other conditions.

Tripinsurance discount>

Especially for blog readers - promotional code LIFETRIPRU, which gives a DISCOUNT of 11%, is valid all year round.

My policy from Tripinsurans

My policy from Tripinsurans

pros

  • Very large sums insured: $ 250,000 - $ 1,000,000. No one has this.
  • They are not afraid of publicity, their representatives are in all forums, there you can draw attention to your situation and solve it.
  • Each insurance includes free consultation.Doctor Online with a pediatrician and therapist. In the chat or video chat, you can ask your questions around the clock, both on the insured event and on the non-insured. It is useful if you think you should or should not go to the hospital, or after receiving a local doctor, you want to check something.
  • Have your own Android app andiOS, through which it is convenient to make calls and correspondence with the insurance. They will immediately know that it is you and not ask too many questions. For the application you need internet.
  • You can find out which hospital will be sent to this or that city by asking a question on the forum or technical support on the site.
  • In terms of jellyfish, sea urchins and other living creatures - they become covered in case of danger to life. Covered by dengue fever and allergies not caused by chronicdiseases. Chronicles (including chronic allergies) are covered at around $ 3000. By default, any fare includes bike ride insurance (relevant for Taya). Naturally, you must have category A rights, no blood alcohol and a helmet.

    People with dual citizenship are insuredemergency vaccination, insurance of children's competitions and fees, etc. Assistance is provided for terrorist acts, when other insurance - is an exception. They pay expenses not only for emergency transportation, but also for transportation for a visit to the doctor (taxi).

  • If possible, the Doctor on CalL service will be provided. Therefore, when there is an opportunity and there is a free doctor, you can call a doctor to the house. Well, if in a particular country there is such a service.
  • Often they ask, so I will also write. On the Thai islands of Koh Chang and Phi Phi there are contracts with local clinics, you do not have to go to the mainland. Although, if the case is serious, then transported, of course.
  • Insurance for specific dates and annual tariffs on 365 DAYS can be purchased from abroad.

Minuses

  • For countries other than Schengen, there is a deductible of $ 50. But only for policies longer than 34 days and for policies purchased from abroad. But it is easy to get around by buying several policies, each for 34 days. The company itself advises to do so.
  • Sunburns are not covered.
  • The price for Asia is high. But for Schengen normal.

Insurance Rates

Tripinsurance has several programs. They can be divided into 2 parts: one-time policies for a particular trip (Base / Econom, Standart and Million) and annual policies (365 days and Multitrip). Programs are distinguished by a set of options and insurance amounts ($ 250,000, $ 500,000, $ 1,000,000).

Base / Econom, Standart, Million

Policies for specific dates. You can arrange even if the country of travel has a residence permit / dual citizenship, but in this case Russia should be the country of permanent residence. That is, most of the year it is necessary to live in the Russian Federation.

365 DAYS, 365 DAYS +, 365 DAYS ++

These are policies without a travel limit, butwith a limit of 91 days each inclusive. That is, the cumulative number of days outside the Russian Federation in a year can be up to 364 (4? 91). The only condition is to leave the country of residence, for citizens of the Russian Federation - this is, accordingly, Russia.

Thus, after 91 days, the policy ceasesaction and you need to return to Russia and leave again to reset the counter. Just crossing the borders of different countries is considered one big journey. In principle, everything is standard here, most annual insurances work in the same way.

MULTITRIP

The annual policy is valid all 365 days continuously and without restrictions. Convenient for those who travel a long time. Only one minus - the high cost.

Tripinsurance has several areas of insurance, please note when choosing countries.

  • Schengen - the policy is valid only in the Schengen countries.
  • Thailand - the policy is valid throughout the world, except for the Russian Federation, the USA, Japan, Canada, Australia, the Caribbean.
  • The whole world, except Thailand - all countries of the world, except Tai and a radius of 90 km from the place of permanent residence.
  • Russia - action in Russia + CIS + Crimea, except for a radius of 90 km from the place of permanent residence.
  • The whole world is all countries, except for a radius of 90 km from the place of permanent residence.
  • Almost the whole world (but on the site of such a territorynot). If you select a specific country, other than Schengen, USA, Japan, Canada, Australia, Taya, Caribbean, RF, then the policy will be valid in almost all countries except those listed.
  • What to look for

    Insurance tries to work in all countriesby sending a letter of guarantee so that you do not have to pay on the spot and receive a refund on return. Also usually when visiting a doctor do not require a cash deposit or passport as a deposit. In 95% of cases, you will not have to pay, and for example, in China, 80% of clinics will get free, which is quite a lot for this country.

    When contacting Iran, North Korea, Syriaand Sudan, the insurance will not be able to provide assistance directly. Therefore, the insured is invited to independently contact the clinic and pay the costs, and receive a refund on return.

    If it so happened that you had toto pay your money, this question can be solved remotely, without visiting the insurance office. First, you send scans, then you get an insurance decision and send the originals by mail. It's comfortable. Because many insurance companies will have to go to the office, and several times, if there are not enough documents.

    • A policy purchased from abroad will take effect.on the 6th day from the date of purchase, and there will be a deductible of $ 50. So insurance is protected from fraud, so as not to buy after the insured event. AT In this post I gave a list of insurancewho sell similar policies, there are literally a few of them.
    • Any tariff without additional options covers: water bikes, canoes, towed inflatables and parachutes, visits to the water park, water polo in the pool, volleyball / football on the beach, skiing (except mountain), ice skating, going down to the caves with a guided tour, cycling (except mountain biking) tennis, golf, roller skating, jogging, riding animals (horses, camels, elephants, etc.), snorkeling, etc.
    • Additional option "Active rest" in most casesdoes not need and covers: water skiing, surfing, windsurfing, jet ski, rafting, yachting, downhill skiing, snowboarding, snowmobile rides, hockey, mountain biking, parkour, horse trekking, fishing, hunting, skateboarding, kiting, tarsanka, skating, kayaking, rides, horseback riding, fishing, hunting, skateboarding, kiting, tarsanka, kayking, rides .
    • If the primary appointment was in one country, the policyit did not end and the insured went to another country, then repeated receptions will be covered in one insured event and in another country too. If the policy expires during hospitalization, it continues to be covered by the policy. If only re-admission or ligation is necessary (without hospitalization) after the end of the policy, then it will not be covered with a policy.

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    I would like to separately note that the conditionsa lot of different and at the same time they also change periodically, as the insurance contract changes. But Tripinsurance has quite friendly and adequate technical support. They can call or write and clarify any questions, especially if you have a special case or you want to find out something specific.

    Tripinsurance Reviews

    It should be understood that for any insurance company andThere will be negative feedback on any assistance. You understand that usually negative reviews are written by everyone, and few people get their hands on positive ones. Therefore, in its choice of insurance, in fact, you can only focus on the number of negative reviews.

    My insurance rating>

    And you know what, according to Tripinsurance, reallyfew negative reviews. Before writing this post, I specifically asked around for all my friends - and no one had any problems. Then I sat for a few days and read messages for the past six months in a thread on the Vinsky forum dedicated to this insurance. There are literally a few unhappy with everything. Moreover, they were often those who simply did not understand the terms of the insurance contract. You understand that he is such an insurance business, all services are only within the framework of the contract.

    For example, a person bought a ski insurance,and transportation from a slope, if it is not an emergency, was not included in the insurance. This is written in the contract, but if one does not read it, then it is not quite obvious, since the alpine skis are covered.

    Or else a man injured his knee in Thailand, andthe contract covers only emergency surgery, while the Thai doctor said that the surgery is needed as planned (not urgent). Insurance offered transportation home in business class instead of an operation, which in principle is a common practice, and the person wanted an operation here and now to continue to rest in Thailand.

    Do not think that I idealize this insurance,I just write my conclusions and conclusions. Compared to the number of negative reviews that are found in forum topics about other insurances (in one message people have problems), everything is pretty good here. And I hope that this will continue. And you know, many insurance spoil over time.

    Liked the positive reviews. From fresh: a man broke his leg again in Thailand. He was immediately sent to the doctor’s network at Bangkok Hospital, given an interpreter on site, an x-ray was made, plaster was applied, and crutches were handed. For reference, the budget insurance will pull with the payment of such studies as x-rays and try to minimize their costs. So, then there were 2 more visits to the doctor with an x-ray, replacing the plaster with an orthosis.

    At the same time being already in the hotel after each receptionthe doctor called the assistance and gave the opportunity to talk with the Russian-speaking doctor, if suddenly there were any questions. In short, the service was as it should be, without the hassle and long agonizing approvals. No one took the passport as security, did not demand money on the spot, and each time the guarantee letters were in the hospital.

    Add your reviews about insurance!

    P.S. It is possible to take insurance Tripinshurans, as one of the top now. The post is constantly updated, the date of the update, you can see at the beginning of the post.

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