Insurance

TRAVEL INSURANCE

When you book a trip, it is recommended to take out insurance that allows you to cancel the trip and get a reimbursement in case of unforeseen events, and which covers any medical expenses during the trip.

We hope you never need it, but sometimes not having it can be really inconvenient and expensive.

Here is a list of all the things to take into consideration when taking out travel insurance:

• Medical Coverage: Make sure your insurance covers emergency medical expenses, hospitalization and surgery.
  
  Furthermore, in some countries such as the United States, it is not enough to have coverage: medical expenses must be covered directly paid by the insurance and not reimbursed upon presentation of the invoices. This is because even trivial injuries, such as a broken or splinted finger, can cost thousands of euros.
  
  Check i ceilings of medical coverage and whether the coverage is reimbursement or direct. In the event of an accident, contact your insurance immediately to activate coverage and obtain information on the affiliated facilities where you can go.
  
  Also check for any sub-ceilings in the event of an accident without hospitalization.
• Trip Cancellation and Interruption: Check whether the policy covers costs for trip cancellation or interruption due to illness, accidents, or other emergencies.
• Age Limit: Some policies have an age limit, check whether the policy is suitable for you.
• Baggage and Personal Effects: Check coverage for loss, theft, or damage to baggage and personal effects.
• Travel Delays: Make sure your policy covers additional costs caused by flight or travel delays.
• Civil Liability: Check whether the insurance includes coverage for accidental damage to third parties.
• Sports and Adventure Activities: If you plan to do sports or adventure activities, check that your policy covers any accidents related to these activities.
• Pre-Existing Medical Conditions: Check policies regarding pre-existing medical conditions and whether these are covered.
• 24/7 support: Make sure the insurer offers 24/7 customer support in multiple languages.
• Destination Requirements: Check if the destination country requires specific insurance or has special requirements.
• Travel Duration: Check the maximum travel duration covered by the policy and consider an extension if necessary.
• Natural disasters and terrorist acts: While we hope you never have to find yourself in such a situation, consider choosing travel insurance that covers these events, depending on your destination.
• Necessary Documentation: Check what documents are needed to file a claim and prepare digital copies of important documents.
• Exclusions and Limitations: Read the policy exclusions and limitations carefully to understand what is not covered.
• Costs and Deductible: Compare the costs of the policies and check the amount of the applicable deductibles.
• Annual Insurance vs. Single Trip: If you travel frequently, consider whether annual multi-trip insurance is more convenient than a single-trip policy.
• Company Reviews and Reputation: Read reviews and evaluate the reputation of the insurance company to ensure you choose a reliable provider.

The best solution is always to consult specialized travel insurance, which offer specific packages for the type of trip you need. Remember that travel insurance must be taken out within 48 hours from booking, otherwise it may not be valid.
Considering all these aspects will help you choose the travel insurance that best suits your needs and travel more comfortably calm.

In the destinations we visited, we specified the type of insurance chosen for that type of trip. Visit the pages of each destination to discover all our travel tips.