Odessa Discount Hotels

Posts Tagged ‘insurance Travel’

The car left us stranded, the hotel is a horror, the couple seriously ill … A pleasant vacation can be transformed overnight into a nightmare. Insurance travel assistance to help quickly solve almost any problem. Although sometimes we already have insurance contracts (the car, the home, credit card …) may be more than enough.

If going by car, just car insurance
According to the analysis of the OCU, the car insurance coverage is enough to travel by road using this means of transport. In case of breakdown or accident covers the delivery of the crane, the custody of the vehicle and alternative transport for onward travel or return to the home. And its geographical coverage is extensive, since it includes traveling by car through Europe and the Mediterranean countries.
In any case, review the conditions of your policy before you travel by car. Be aware that some manufacturers also offer assistance during the warranty period of the vehicle. And automobile clubs have added services that can be interesting.
Of course, in case your car is only insured to the Insurance Compensation Consortium, which covers only liability, you will need to hire a specific travel insurance.
If traveling abroad, review all your policies

Not all countries have public health coverage (and free) as complete as ours. So if you are traveling abroad, you should hire a specific insurance. Otherwise you may face very high costs, a serious illness with hospitalization of 7 days and subsequently moved to a Spanish hospital can cost between 18,000 and 80,000 euros depending on how far you are home.

But before hiring a medical insurance abroad specific review that has already contracted insurance, their coverage is cumulative. Car insurance typically cover certain medical expenses, as well as relatives of the policyholder, but traveling separately. Some home insurance have some health coverage (including up to 12,000 euros). And some credit cards also include a health care insurance.

More comfortable with a specific insurance

Specific travel insurance offer coverage broader. For example, prolonging the patient’s stay in hotel by prescription (maximum 10 days), passenger travel and lodging in case of hospitalization, return of the insured family grave cause, compensation for lost or stolen baggage, legal assistance in the abroad for criminal, civil, and even ahead of bonds, and return travel expenses for cancellation.
Note that if you purchase a package (flight, hotel, tours) it is normal travel insurance with travel assistance, but is generally insufficient. In addition, rarely gives the consumer the documentation with the insurance conditions. Ask your agency or with whom the trip is. The price of insurance varies depending on trip duration and coverage. Compare between different insurers before hiring.
Do not forget any role

Before leaving home, take in hand the phone for assistance and the policy number to call if necessary, and also keep data secure a family member. If you have a mishap, do not purchase anything without checking with the insurance may not cover it. Keep bills and what you bought certificates of medical care.
In addition to insurance papers, passports and visas, do not forget your EHIC. With it, you travel through Europe, we apply the same health rights as residents of the country you visit (although in some places there are to pay for certain services). If traveling by car insurance ask your green card for driving in Europe. For some countries outside the EU will need the International Driving Permit (for 9 euros, the Provincial Traffic Department).