Buying a travel insurance policy (TCD) is not a trivial task, because its price, options sets, coverage, restrictions and other factors vary greatly depending on the insurer. It’s not worth choosing at random – this way you can not only overpay, but also stumble upon scammers.
What to look for when buying travel insurance
Before delving into the details of the policy itself, take a closer look at the insurance company itself. Ask yourself the following questions:
- · How long has it been on the market and how well known? Many new and little-known insurers offer TCD at very low prices, but you should not be seduced by them – it is so easy to become a victim of scammers;
- · What is her reputation? There are many resources on the Internet where you can study both expert and popular ratings of different companies;
- · Is there an office in your city? Many companies offer to buy insurance for traveling abroad online and even offer various benefits in this regard, however, if any problems arise during registration or subsequently, it may be difficult or even impossible to solve them remotely.
What can be the coverage of travel insurance abroad
Most insurers offer a choice of three TCD policy options, usually called economy, classic and premium. Typically, the first packet is the most basic honey. insurance for travel abroad, and its composition is approximately the same regardless of the company: emergency medical care, hospitalization, treatment (in hospital or outpatient), transportation to Russia. However, more advanced packages, even with the same name, can vary greatly both in composition and in the amount of coverage. These may include, for example, legal assistance, the provision of an interpreter, transportation of relatives to the patient, home insurance for the duration of the trip, etc.
Another important factor in travel insurance Is a list of risks that remain uncovered. Some of them appear in almost all insurers (for example, if a tourist inflicted damage on himself, planned treatment abroad in advance, or was injured while intoxicated), but there are enough exceptions typical for specific agencies.
Thus, the main principle of choice is as follows: when buying an insurance policy, comparing prices, one must proceed not from the level of the package, but from its composition.