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When purchasing a policy, before traveling, you need to understand what services you are purchasing. Is it just a medical policy, insurance for all unforeseen circumstances, or insurance for a tourist who is going to go mountaineering?
Understanding what types of insurance are available, what they cover and do not cover — will help you prepare for your trip and purchase the best option. And also prevent a situation where you have to deal with the insurance company, not understanding why it does not compensate for the costs of treatment after an unsuccessful surfing session.
Let's briefly talk about what a travel policy covers, depending on its type. And also in detail about what this document does not cover.
Travelers often get by with cheap travel insurance. They take it out for a year at once, contact a company with favorable prices and pay up to 500 hryvnias. This document covers only basic medical expenses: emergency call, doctor's consultation. Purchase of medicines, treatment, plaster, and so on. It does not apply to other expenses related to an accident.
An extended policy can compensate for expenses related to delay or cancellation of transport to another country. Also, compensate for the loss of a passport, other documents, and luggage. But the company is responsible for luggage only during flights / moves. If something happens to things during vacation - this is the owner's responsibility.
One of the most useful options: coverage for lawyer services if the client is accused of violating the law. The need may arise, for example, if you went to eastern countries and did something without realizing the illegality of your actions.
Also, the policy can cover a visit by a loved one to a client who is hospitalized. Delivery of broken transport to the destination (which is beneficial if someone rents a car abroad), returning home early, if necessary.
These categories of tourists include infants, women in the last months of pregnancy, and the elderly.
The type of vacation may differ in activity, and accordingly, the likelihood of getting injured. Skiing vacations are usually included in the standard policy, but other activities must be specified and paid for additionally for a document that will cover possible losses. For example, if you decide to go mountain climbing, surfing, or participate in sports competitions.
does not cover
Example: a traveler purchased a regular insurance document with standard medical coverage. During the trip, he decided to go mountain climbing and was injured. The costs of treatment will have to be borne by him. Because the insurance company has the right to refuse to compensate for an injury during active recreation that the client did not report. The same applies to luggage, documents, etc.
If the client, at the time of the injury, was in a state of severe drug or alcohol intoxication - the insurance company may decide that he is to blame for the accident. And therefore, he must bear responsibility, including financial, independently.
What does this mean? If the client is taken to the hospital and treated - the tests will show a high level of alcohol or other substances in the blood. The insurance representative receives this information. Given this fact, the costs of the client's treatment are not compensated.
Example: dental services are included in the cost of the cheapest insurance. But we are only talking about emergency care. If a tooth is damaged when falling off a bicycle while walking around the city - this is the responsibility of the insurance company. And if the client simply decided to go to the dentist to get a filling - then the insurance will not compensate for this.
This is the simplest: if the client intentionally causes damage to his or someone else's belongings, his health / life or the health of other people - then he is responsible for it himself.
Storm, hurricane, other natural phenomena - these are unforeseen events, the consequences of which everyone decides for themselves.
In any case, it is better to refrain from getting into such situations. Do not plan trips to countries with unstable political situations or armed conflicts. Do not participate in protests and rallies, do not appear in places where they take place.
All these nuances are indicated in the insurance. Before buying it — read the rules on the company's website, ask the insurance representative.
You can get by with a regular insurance policy with standard options that covers medical services. If you plan to do active sports — it's better to consult and buy a policy that will make your vacation safe
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