Travel insurance, travel insurance or travel insurance aims to cover medical and hospital expenses, accidents, emergency transfer, trip cancellation, lost luggage among dozens of other occurrences during a trip, whether domestic or international.
Travel health insurance is purchased like other insurances, where you receive a document called policy that contains the contract with the purchase number and all detailed coverage in which the insurer is responsible for advising or covering. It should also contain the numbers in case of emergency, and all the necessary process so that you can be attended and get in touch with the insurance company. Also in the policy it is possible to see the time of coverage, the cities, or countries.
The maximum amounts of coverage for each case are established before the purchase, in the form of packages. Each plan has its different packages and coverage amounts. For countries where the medical costs are very high, such as the United States and Canada, it is always a good idea to purchase higher coverage.
International travel insurance
International travel insurance is used for coverage outside your country of residence. It is much more than a precaution, it is a mandatory item required by immigration in different countries. To enter Europe, for example, it is mandatory to have travel health insurance with minimum coverage of 30 thousand euros.
How to take out travel insurance
It is necessary to have in mind the period of the trip and the destinations you intend to visit. If you contract round-the-world insurance or insurance for digital nomads, it is not so necessary to know exactly which countries you will visit. Furthermore, it is important to know if your trip will have extreme sports or some special specifications. Normal policies do not cover accidents in extreme sports.
Subsequently, it is essential to look for the best travel insurance for your needs. The best way is to get a quote – I’ll talk more about this later – to find out the prices and advantages of each insurance company, a kind of comparison.
Travel insurance quote
To make a quote, it is indispensable to look for a reliable tool. Before, it was necessary to go to every website or contact a travel agency. Today everything has changed, there are different sites where you put your travel information, and they already present a comparison of plans and insurers;
The one I use and trust the most is Chapka insurance because besides the comparative service at no cost, it always presents the best price and personalized service.
Is it worth hiring insurance?
For sure. From my experience, I have had to use travel insurance in Vietnam where the expenses exceeded 20 thousand reais. Imagine if I didn’t have insurance? I would have had to pay everything out of my pocket, and the worst: without any support. With insurance, I already found it desperate, if I didn’t have it I don’t even know what I would have done. That is why I sometimes say that it saved my life and I will never travel without it again.