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Few things like legal loopholes or bureaucratic language have the power to dampen the momentum of a traveler. As many people support, however, it is also true that without that document called ' insurance ' it is not advisable to deal with the experience of a trip.
Insurances exist to protect the investment made by those who decide to leave and to provide medical assistance if necessary. You can lose your luggage, take a dysentery in Delhi or be plagued by ticks: with insurance you will not be alone (and you will not have to pay the cost of treatment). Choosing the appropriate insurance formula will make you feel more comfortable. In some cases, you will save your life. At the time of choice, Val worth examining the details-even the aforementioned quibbles.
How much will it cost me to travel insured?
In case of serious accidents or serious illnesses, the insurance can cover expenses for hundreds of thousands of euros or dollars. For example, an uninsured Australian who severely injured in Alabama might have to reckon, very salty, with the expensive American health care system. For a tourist bitten by a rabid dog in Rwanda or for a somethimes who needs an air rescue on the Himalayas, the benefits of travel insurance are quite obvious.
High prices don't always mean the best coverage. Consider carefully what aspects are important to you. It makes no sense to pay to be assured on renting a car if you don't drive or on your luggage if all you bring with you will be a backpack full of dirty socks and an old iPod. Giving up some options can considerably reduce the insurance premium.
What do I need to ensure?
Health insurance is very important. From this point of view the policies vary, so read carefully all the clauses. If you suffer from heart or serious pathology, you will be called upon to provide detailed information before you sign the policy. If you are planning to do sports, ski off-piste or give yourself to bungee jumping, check that these activities are covered. Accidents that you have practising sports at the professional level are usually not.
The insurance premiums are calculated according to your origin, age, destination and duration of travel, with particular attention to some particular destinations. When you are traveling to countries like the United States, where the health insurance industry is a millionaire industry, or for countries with very different standards than those you are accustomed to, you should opt for a policy with a high coverage. Some companies will grant you unlimited medical assistance in exchange for a high premium.
Other aspects to consider
Will someone bring you home if you get an accident? Are there doctors ready to answer the emergency phone of the insurance company? If your family were to reach you in a distant hospital, will the trip be refunded? READ CAREFULLY the clauses and choose carefully.
International health Agreements
Some countries have established mutual health agreements. Which means that if you have the nationality of a certain country and you need medical care abroad you will receive a particularly beneficial treatment. Among the countries involved, in addition to Italy, are Australia, New Zealand, the United Kingdom, Ireland, Sweden, Norway, Finland and the Netherlands. Ask in-depth information about your embassy, but consider that the level of assistance will never be the one provided by a good travel insurance. As a European citizen, take the European Health Insurance Card (TEAM) with you to ensure you have medical care at reduced or free rates in the EU countries and Switzerland.
Are my bags insured?
Check the level of coverage: what personal effects you consider, whether it also includes electronic devices or theft inside a car. What can you expect if the IPhone falls into the Iguazu Falls? If you have any doubts, contact the company-there is a law obligation that requires you to explain in depth and clear all the clauses.
Other non-minor aspects of a policy
Here are some other things to consider before you take out insurance. Cancellation > You can determine the coverage offered by the policy if an impediment makes your trip impossible. It should match the cost of your trip including the extra, but the higher the threshold, the more expensive the policy will be. Delay > Put into account at least 250 euros a day for delays due to strikes, natural disasters, war and terrorism. Do not expect to be compensated for a few hours spent waiting for the flight at a crowded airport. You will hardly get anything for delays less than 24 hours due to the airline. Insolvency of airlines and service providers > If I know
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