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Travel Insurance

Travel Insurance – Why is it important to be with you during trip?

 Travel insurance provides peace of mind while travelling abroad through several integrated insurance programs, to meet personal needs. Therefore, it is one of the most important travel tips.

Why is travel insurance important?
travel insurance

travel insurance

The travel insurance policy is an undertaking by the insurance company to cover the risks related to the beneficiary’s travel outside the country of residence in return for a premium paid to the insurance company by the conditions and exceptions agreed upon between the customer and the insurance company.

This document is one of the services that has become almost mandatory when applying for a visa to travel abroad for every person (or group of people) who wants to travel outside the country, mainly to several European countries.

Insurance companies contract with travellers for a period ranging from 8 to 90 days in return for an agreed-upon premium, and if the travel period exceeds 90 days, the insured does not enjoy the services provided by the policy (except for some insurance companies that conclude special contracts for a period exceeding 90 days).

The insurance coverage comes with everything the insured expects and many special benefits.

The benefits offered by this policy begin even before boarding the plane, in the event of a flight cancellation, as the insured is entitled to a sum of money as compensation for cancelling or missing the flight as a result of an emergency or shortening the flight period.

How to calculate the price of travel insurance?

Insurance companies depend on the age of the traveller, the geographical area to which he is travelling and the duration of the trip to calculate the cost of the policy, and this is in addition to the level of coverage, which affects the price so that the higher the level of coverage, the more expensive the price.

Insurance companies provide different services and compensation at different prices for the insurance policy you choose, and it is preferable to obtain it from a reliable company.

Some companies and some airline associations sell travel insurance policies directly to travellers, and this policy can also be purchased through tour companies, including airlines, cruise lines, and tour operators, which offer optional insurance directly to consumers.

Sometimes this document is mandatory, as certain countries require it to be obtained before travelling to it.

Travel insurance covers

Medical Insurance:

Includes coverage of medical expenses in the event of an accident or sudden illness of the insured, as it bears the costs of accommodation and treatment in hospitals in full, including surgeries and expenses of the doctor, and it will be up to a maximum specified in the policy, and it also bears the costs of emergency dental treatment in an amount specified in the policy ( The maximum coverage varies according to the level of the policy, and it will be at more than one level in many companies such as the economic, the medium and the distinguished, and the more coverage increases the price of the policy, the higher it will be).

Advice: If you obtain travel insurance to obtain a visa from the embassy, ​​make sure of the value of the maximum coverage required from the embassy to obtain a policy whose maximum coverage is commensurate with the requirements of the embassy.

Medical insurance for the Coronavirus:

Insurance companies have started to cover medical and hospital expenses if the traveller is infected with the Coronavirus.
to the following conditions:
  1. Injury of the insured during the travel trip, not before travel.
  2. The traveller must have a smear agent 72 hours before travel, and the result of the sample will be negative.
  3. A person obtains all the vaccinations for each country before travelling to it.
  4. Insurance against possible accidents: such as the loss of bags in travel or their late arrival in time, exposure to property theft or loss of a credit card or passport, and here the company provides a specified amount of money in the policy to reduce financial losses on the insured.

Trip cancellation insurance:

  • It covers the expenses resulting from cancelling the travel trip for emergency reasons such as accidents, health problems or bad weather, as
  • It compensates for the trip expenses that have been paid and are not refundable.

Flight insurance:

It is life insurance in the event of an air-flight accident.

In the event of the death of the insured:

The company bears the costs of transporting the body in full and does not bear the costs of the funeral and consolation, and it also pays the amount of money specified in the document to the heirs.

Why is travel insurance important?

Travel insurance, however, will be required from many embassies, especially to obtain a Schengen visa for European countries, and recently, the embassies of other countries are required it.

It is considered one of the most important travel necessities and aims to protect you by covering a range of risks and emergency accidents that may meet you during your trip outside the country.

The difference between travel insurance and travel health insurance:

The truth is that there are people who have travel insurance and travel health insurance, but in the end, travel health insurance is considered part of the travel insurance coverage, which includes medical coverage and covers for other risks that may occur during international flights.

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