How to choose a travel insurance with the right hedges? When it comes to travelling abroad (especially outside the European Union) it is very common to opt for travel insurance.
The reasons for this are mainly health cover and security in the event of trip cancellation, one of the many additional guarantees offered by this type of policy.
Within the European Union, we are covered by the health insurance card for many unforeseen events of this kind. But this is not the case outside the EU. For example, in the United States or Australia a day in hospital can cost around 6,000 euros and repatriation 100,000 euros..
In many cases, if the health expenses covered by the policy are very small, we will be obliged to pay a large sum, even if we have taken out an insurance policy.. What should we do to be able to go on holiday with peace of mind? In this post we give you the keys to choosing a good travel insurance policy:
Adequate health care coverage
Medical, surgical, pharmaceutical and hospitalisation expenses are often the most worrying, and rightly so, for people who are going to travel abroad. In this regard, we recommend that you study carefully the maximum expenses included in the insurance policy for this item. Some insurances are excessively cheap because they include coverage that only reaches, for example, 12,000 euros, while any unforeseen event abroad, such as an appendicitis operation, will be much more expensive.
Always we recommend that medical expenses be above 150,000 euros. and when you take out travel insurance with us we will always offer you cover of at least this amount by default.
2. Two other essential coverages
We have insisted a lot on medical assistance. But there are two other covers that are also very important when going on holiday or on a business trip: repatriation to the country of origin and civil liability.
The repatriation is caused by illness, accident or death and is one of the most expensive services that should always be covered with a high amount.
For its part, the civil liability, is another one that we usually include in all cases, as it includes personal damages to third parties caused by the insured involuntarily.
3. Study well the most convenient travel insurance
As we explained in our post on the travel assistance insurance coverage, In any case, health care abroad is omnipresent in almost all insurance policies of this type. In any case, it is important to check the rest of the options offered by the insurance and see if any that are left out would be convenient for your trip.
These policies are often packaged. and include, in addition to health cover, guarantees for our luggage, flight delays, cancellations, cancellation of the trip... On many occasions, when taking out insurance online there is no option to add certain cover that we consider interesting for our type of holiday. Therefore, it never hurts to receive advice in person from professionals who can tell you which is the most suitable option.
4. Thinking about additional risks
Are you going to take part in sports activities abroad? It is important to stress that most policies do not include accidents derived from sports such as skiing or diving, which are very common on holidays. For this reason, as we explained in our article on the sports accidents in travel insurance, We always ask our clients about the activities they are going to do during the trip.
5. Be cautious with online comparators
Finally, we recommend you to be very cautious with online comparators. As we have already mentioned, it is possible that not all options are considered and that in the end you end up with an insurance policy that does not cover you for the activities you are going to do... And that the cheap end up being expensive.
However, in PIB Group Iberia you can take out travel insurance with the great advantage that we have travel insurance with group rates that apply, even if the trip is for just one or two people. The peace of mind of personalised advice and the benefit of an economical price.
Don't hesitate to contact us if you are going abroad soon!
