Have you already started planning your summer vacation? Well, beyond choosing the destination and thinking about everything you should carry in your suitcase, you must decide whether or not you want to take out travel insurance, which will protect you from any incident that may occur. Many times it is included in the travel packages and other times you have to contract it separately. Since Hard Hobbit To Break We recommend that you hire it even if it is not mandatory, since there are many problems that can arise far from home: loss of luggage, illness, delay or cancellation of flights ...
As we have mentioned, many travel agencies offer the insurance, but you can go to any company to choose the coverage you prefer. What we want to do today at Hard Hobbit To Break is inform you about the basic coverage that travel insurance should have. It will be useful for you when organizing your holidays!
Depending on the type of trip
The first thing you should know is that when you buy a combined travel package (with flights, accommodation and travel), it usually comes with travel insurance included, for which you will not have to pay any additional cost. In fact, companies are required to offer this service. This type of insurance only offers coverage minimum, so depending on the chosen destination or the type of vacation you are going to do, it will be better to hire an extra insurance that includes more coverage.
As we have mentioned at the beginning, what we are going to do today is explain to you what type of coverage these types of insurance have. In this way, you will know if it is convenient for you to contract another type of insurance. One of the covers they guarantee is healthcare during the trip, although not all policies are the same. Only some include all expenses (hospitalization, interventions, nursing expenses, medications ...).
Problems with flights
Fortunately, these types of insurance include different problems that can happen with flights. For example, they usually guarantee compensation in case of a delay of more than 6 hours on departures. On the other hand, financial compensation is also offered when overbooking occurs on an airplane, in addition to lodging until the time of the flight, transfers and meals. And in case of annulment of the trip due to company or technical problems, you can also claim reimbursement of the costs of the required stay, in addition to compensation depending on the ticket. Logically, the compensation depends on the price of the ticket. In addition, this type of insurance includes the location and shipment of luggage to the place of residence or destination of the trip.
In case of death
Although we do not like to talk about this last coverage, basic travel insurance usually includes transport or repatriation in case of death of the traveler. In addition, some policies also include the displacement of a relative or friend who lives in the place of residence of the deceased so that they can accompany the body.
What we recommend is that you read the insurance policy carefully to see what it includes. For travel in Europe, medical coverage of between 3,000 and 6,000 euros is recommended, although to travel to the United States it must be between 18,000 and 50,000 euros. On the other hand, you should know that insurance is recommended cancellation not to lose the money of the trip in case of not being able to attend. And if your trip is sports or adventure, it is best to take out special insurance that includes other coverages, such as relief and rescue expenses.
TRAVEL INSURANCE: TRAVEL TIPS, TRICKS & HACKS (November 2023)
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