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One of the important documents that should be issued before traveling is travel insurance. At a minimum, to insure yourself in case of injuries and other health problems. After all, treatment abroad is not cheap and there is a risk of overpaying dozens of times if you do not have insurance. We will tell you why you may need insurance already on the road, how to quickly choose and buy it in another country:
The most banal option is that the traveler forgot to buy a travel policy. Sometimes you are so worried before the trip that you forget something important. But the main thing is that it is not a passport, because insurance can simply be purchased at the airport or in another country.
The second option is that its validity period expired during the trip, and the tourist saw this already on the road. Then you need to re-issue the document. This can happen if you buy a policy for a whole year: it is easy to forget the expiration date.
The traveler decided to extend the trip and return later than planned. For example, he bought a house for two weeks, took out insurance for these 14 days, and then decided to stay for a week and visit another city. In this case, you need to buy travel insurance for these remaining days.
During the trip, it was necessary to change the type of policy. Why can this happen? For example, you chose a regular medical policy, which includes only basic services. And on the way you visited the mountains and decided to try your hand at mountaineering. For active sports, which include mountaineering — there is another type of insurance. In order to climb a mountain without the risk of being hospitalized uninsured — you need to buy insurance that protects against accidents while playing sports while you are on your trip.
To quickly choose travel insurance, you need to be able to understand its types. And know what insurance is needed in this case. Decide on the following parameters:
The easiest way is to apply for electronic insurance. You can purchase it directly from your smartphone and pay with a bank card. This is convenient because you will not need to spend cash in the currency that you will need on vacation.
If there is no mobile Internet - just connect to a wireless network with open access. You can find these at the airport, in hotels, restaurants, shopping malls, and cafes.
Check out the offers on various insurance company websites. To do this, just type the phrase travel insurance price into the Google search engine. Choose based on two criteria: how suitable the type of insurance is for your trip, and then — by the cost from different companies.
When you buy — the document will be sent to your email. Download it immediately so that the policy is available without the Internet. Then write down the most important information from the document: the insurance series and number, as well as the phone numbers of the company representatives. So that later, if you suddenly need it, you don't have to search for data in the electronic document for a long time. You can immediately call and give the insurance number to quickly get advice and help.
When buying a policy online, many tourists are afraid of falling for scammers and purchasing a fake document. This is really unpleasant, because if an insured event occurs — you will have to pay for everything yourself. How to check the company?
Study reviews about the insurance company on various resources. But not on its official pages, but in independent sources. See what other tourists write about this company. You can do this on thematic forums or in Google reviews.
Find out how long they have been operating and where they are registered. When you buy a document - call the specified numbers to check if you can reach an insurance representative.
Have you ever had situations when you needed to get insurance while you were already traveling? It is better to spend 20-30 minutes of your vacation on it, but then be sure that if necessary, the insurance will be there, than to take risks and think about it until you return home. After - you can forget about the documents and continue enjoying your vacation.