What You Should Know Before Hiring a Travel Insurance

Hiring a travel insurance is a prior knowledge of the operation of this to get an insurer that offers guarantees and a good backup in case of accident, illness, accident or any contingency during the stay abroad.

What should a good travel insurance?



Before you choose a good insurance must bear in mind its General Conditions and limitation clauses it contains. In most cases, the duration is conditional on health care insurance of the person and that is a complement. The key points to travel safely and validity are a number of safeguards which are cited below:

Validity: This applies worldwide. To be able to give this application the person must live in Spain and justify their time spent at his residence. Exceed more than 60 days for travel or displacement can be nullified.

Repatriation of wounded, sick and family (or other insured): the company must bear the costs of ambulance transport, arrange a medical team that attends the insured, assuming the cost of transferring the means of transport to the hospital, transport remaining policyholders to their place of habitual residence or place of hospitaliación the patient, make available to staff companion in case of minor children or other circumstances.

Early Repatriation: handle the anticipated return of the insured in case of death of a relative in the first degree.

Repatriation of the deceased: The insurance company should take care of all formalities to be carried out when the insured dies and their repatriation to the place of burial. If at the time of his death, family members accompanying the insured and they can not return properly, the company must take charge of transporting them to the place of ceremony or burial. In case of minor children, a person should be in charge during alviaje.

Coverage in serious accidents, the insurer must make available to a family ticket costs round trip and the hotel when the insured will be staying more than five days admitted to the hopsital. It is important to ask the franchise for family living expenses of a hotel. Typically, companies have a limit per day or a maximum, and they call all supporting the family member for a refund later if you give the case.

Medical expenses: any medical, pharmaceutical, surgical, or hospital, the insurer must respond to medical expenses and fees, hospitalization and prescription drugs or medical devices by the physician. Clearly, there is a maximum amount insured should be consulted as it differs between insurance companies. Also, the insurance company can arrange the shipment of prescription drugs to the place where you are the insured, as well as medication or articles of prime necessity that he had forgotten before departure. This should be discussed under the laws of the country being visited or alternatives that may be found in it.

Living expenses: Following the hospitalization of the insured, the company must bear the subsequent costs after discharge. These charges are the days extension need to stay at the hotel as long as there is a medical prescription and so orders.

Dental emergencies: If during the stay abroad, the insured suffers a severe dental emergency that requires urgent treatment, the company must take care spending. There is, of course, a spending cap should be consulted. Generally, the maximum range between 200 and 500 euros.

Luggage and personal effects: In cases of theft, loss or loss of baggage, the company will provide help in reporting the facts, and if they recover, will be responsible for transport to the place where you are the insured, or until home. If the objects were stolen or lost during the course of the voyage, the insurer shall be responsible for the cost of forwarding.

Resources and Money: The insurer may advance funds abroad to theft of money, credit cards or checks to prevent the insured to continue their journey. This is a complicated issue that should be reviewed very well. Normally, the company will send a maximum of money as long as the insured to provide a guarantee, a deposit or guarantee, and take possession of the reporting of incidents to the authorities by the insured.

How to act in case of accident?

Call the contact number of the company secured segurosProporcionar data and the number of pólizaSolicitar and save all documents, invoices and certificates that do not serve to void the garantía.Informar, reporting and record as soon as possible all minor events as the loss of baggage or purchase of drugs for possible reimbursement, or simply record the insurer. Subsequent claims once it has arrived in Spain are more difficult to lose your luggage tramitar.Si, the first thing you do is go to the claims office at the airport, make a clear and concise report of the contents of the suitcase and call the insurance company.

What is not covered by insurance or cause cancellation of warranty?

Any benefit that was not requested at the time the pre-trip compañíaEnfermedades or are chronic and are not comunicadoEnfermedades, poisonings and injuries caused intentionally by the aseguradoEnfermedades mentalesSuicidio and actions of ceemonia and inhumaciónContingencias criminalesGastos caused by unsafe practices and / or apuestasRescates in mountain, sea or medical desiertoGastos such as dentures, contact lenses, glasses and pharmaceutical products (less than around 10 euros). Childbirth and pregnancy (there are exceptions, so check)

More information about medications and travel kits: First Aid Kit