Travel insurance is an essential part of any trip abroad. Whether you’re on vacation, a round-the-world trip, an international internship or a business trip, you need to be covered in case something goes wrong. In this article, we describe the various coverages that must be included in your travel insurance contract.
Compare benefits to choose the best medical cover for your trip
Reimbursement of medical expenses: routine care, pharmacy and hospitalization
Check that your healthcare costs are covered at 100% and that the contract provides for direct payment of costs in the event of hospitalization. For simple medical consultations or the purchase of medication, you will be reimbursed a few weeks after the “claim” on the basis of your invoices. Don’t forget to keep your medical bills!
Repatriation and assistance
Repatriation is quite rare, but if it does happen, it can be very cost ly if you haven’t taken out travel insurance.
Deaths
Contracts generally cover repatriation of the body, payment of travel expenses for a family member, lump-sum death benefit and lump-sum disability benefit.
Liability insurance
Really important if you’re traveling to countries where medical costs are high. Imagine renting a car in California and having an accident that injures a third party. Without liability insurance, this accident could ruin you….
Legal assistance is generally included in travel insurance contracts. On the other hand, liability for bodily injury or property damage to a third party is sometimes offered only as an option. Pay close attention to the contract you sign.
Trip cancellation / modification
This coverage is often offered as an option, and must be taken out no later than 24 hours after the purchase of airline tickets. This guarantee allows you to be reimbursed in the event ofcancellation or modification of your trip.
Luggage insurance
This guarantee covers you in the event of loss, theft or damage to your luggage. It may be included in the contract or offered as an option. It’s worth considering if you’re transporting valuable equipment.
Mondassur, a broker specializing in travel insurance for over 15 years, offers you the right policy for your situation and your needs. Request your online quote now.
