Travel insurance used to be considered as a luxury. Today, taking out a travel insurance policy is a normal precaution before going on a trip.
Is the travel insurance really necessary and what is it for anyway? For those who decide to take this precaution, the travel insurance will cover the costs of treatment of any injury or illness or of resolving any serious problem they may encounter during their travel.
It may also cover some of the costs incurred before the travel, such as the non-refundable airfare or hotel accommodation in case of interrupted travel or medical costs during the trip. When you conclude the travel insurance agreement, make sure you read carefully the two documents called General Terms and Conditions and Specific Terms and Conditions of Insurance. These documents should contain the answers to all your questions about your travel insurance policy, so you should study both before you set out.
Assistance provided by the insurer is a very important element of an insurance policy. Please be reminded that Evasan operates an alarm centre 24/7/365 and it is one of our core tools for providing assistance to our clients.
The benefits of your travel insurance depend on the selected package, e.g. whether you’ve asked for the coverage for the damaged or lost luggage, trip interruption protection or trip cancellation protection.
In case you buy trip cancellation insurance, should you have to cancel your trip due to unexpected or unforeseen events, you won’t incur any losses. Of course, there are certain criteria for taking out this type of insurance, namely:
- As with many insurance packages, this is only available within 10-30 days of initial trip payment
- You must insure 100% of your pre-paid, non-refundable trip cost.
If you take out this kind of travel insurance, the reason for trip cancellation is irrelevant. The cancellation is simply possible and you will not bear any costs. Trip cancellation insurance is most often the coverage of choice for those who travel a lot to unsafe countries and this is a way of leaving open the option of trip cancellation.