How to choose and hire the best Travel Insurance: opinions

In recent years, traveling has become a substantial part of our work, something that has surprised us a lot is seeing how many people undertake a trip to another country without appropriate travel insurance.

We recognize that it is something that we have also done in the past, but it has been clear to us for some time that before starting a trip, we must be properly prepared for possible incidents.

In my case, on my last trip to Great Britain I had a sudden incident that forced me to have surgery in a hospital in the south of England where I stayed for ten days until I recovered.

Luckily I had the corresponding European sanitary card which freed me from any administrative management and economic costs.

But it also had a appropriate travel insurance who paid me the additional expenses that occurred as a result of said situation.

With this real experience it is shown that we must also take out travel insurance to travel through Europe, not only for trips to countries on other continents.

How to choose the best Travel Insurance

In order to help you prevent this type of situation when you go traveling, below are some useful tips. tips for choosing good travel insurance, the most appropriate for your circumstances.

Why it is essential to travel with travel insurance

At the outset, you must consider the travel insurance as an element essential to have when it comes to embarking on a trip, just like flights or hotels.

Not only if you travel to distant countries, but also if you travel to Europe, well the coverage you receive They are much broader than the mere healthcare, and in this way you will save significant additional financial costs.

Furthermore, it becomes a total obligation if you travel to certain countries that in order to grant you the visa At the outset they are going to require you to have purchased travel insurance.

What are the essential coverages of good travel insurance?

There are three essential coverage What your travel insurance should have, ., repatriation y cancellation.

What is the health coverage of travel insurance?

The first and essential reason to take out travel insurance is to have insured, in case you are going to need it, a quality medical care and save you possible expenses, which can be really important.

Si vas a travel in Europe, you should never forget to carry the European sanitary card, with which you ensure the medical care.

But the essential need for hire travel insurance to cover medical assistance will arise if you are going to travel to countries not covered by the European health card.

Actually, not all of us are aware of the health care costs in certain countries.

Thus, for example, while in Spain the cost/day of a hospital is just under 500 dollars, in France it is 853 dollars, in Chile it is 964 dollars, and in Australia, almost 1.500 dollars.

The most extreme case is that of the United States ($4.300), so a health incident without necessarily being very serious, represents a practically unaffordable economic cost.

What is repatriation coverage like in travel insurance?

Furthermore, the travel insurance covers you the possible need for a repatriation after a health incident, so that you will have all the expenses generated covered so that you can return home after it.

They will assist you to organize the repatriation in case of urgency or inability to move on your own, and will cover the expenses generated by the need to make the return trip on dates other than those planned.

Additionally, travel insurance covers displacement of a family member to the place where you are to accompany you in those circumstances.

What is trip cancellation coverage like in travel insurance?

Compared to annual health insurance, some of which you may have contracted, which in principle also incorporates certain coverage in case of traveling, a specific travel insurance offers enough more coverage as it covers other incidents that may arise.

That is the case of a possible trip cancellation, because you never know if an inconvenience may arise that forces you to do so.

Therefore, as soon as you are clear about the specific departure and return dates of your tourism trip, it is time to take out the insurance, because in this way you will have covered all the possible problems that may arise.

How to choose travel insurance adapted to your trips

When choose and contract your travel insurance It is also essential that it be appropriate to the type of trip what are you going to do.

A tourist trip is not the same standard, that a trip in which you are going to practice sports activities such as skiing, mountain biking or surfing, or a trip on a cruise.

For this reason, it is essential to look for insurance that covers the Exceptional circumstances or the peculiar characteristics of the trip, as is the case of the aforementioned cruise.

It is also basic that the financial coverage is adequate for the country where you are going to travel.

Insuring a trip to England is not the same as ensuring a trip to the United States.

Other aspects to take into account when choosing travel insurance

When choose travel insurance, there are other aspects that you also have to take into account.

For example, ensure that in case of need repatriation or displacement of a family member the expenses are fully covered.

How to avoid advance expenses with travel insurance

Or if you need to use insurance, you don't have to advance the expenses, the amount of which may not be easy for you to obtain, which also saves you the process of having them disbursed to you, which can take several months (I tell you this from long-standing experience).

It is also important that the assistance center of the contracted insurance is located in Spain y they serve you in Spanish, because in those circumstances it may not be easy to understand each other in another language.

Although at first you may think otherwise, the cost of travel insurance is ridiculous considering the risks it covers.

So, for example, you have coverage of 50.000 euros for a trip de up to 10 days through a European Union country for just 30 euros, incomparable with the risk of having to face these expenses.

Or at the opposite extreme, coverage of up to 1 million euros on a trip to countries such as the United States, Japan or Australia, for only 65 euros.

When to take out annual travel insurance

If, as is our case, you travel many times throughout the year, it is worth considering hiring a annual travel insurance what tand covers 365 days a year, and in this way you avoid having to take out insurance in each case.

It's a matter of crunching the numbers to see if it's worth it to you.

Another very important aspect to take into account is that read the exclusions and conditions carefully that the company with which you plan to hire it raises, since it is essential that when push comes to shove you do not find yourself with cuts in the care you need.

And all this with close attention and in Spanish.

How to hire the best Travel Insurance

To take out your travel insurance, there are several companies that can make it easier for you.

I will tell you that currently we travel with a IATI travel insurance, in its modality Annual Multi-trip.

With a duration of 365 days, it offers coverage for medical expenses of up to 300.000 euros in the best health centers, and all complementary coverage.

You also have the insurance option Estrella which can cover you up to 4,8 million euros, the most recommended for traveling to countries with high healthcare costsas United States, Canada, Japan, New Zealand or Australia.

IATI is a Spanish travel insurance company that has been in the insurance industry for more than a hundred years, and that with its service and good value for money has earned the trust of professional travelers like us.

To highlight the ease that its website offers for contracting online of travel insurance.

I hope we don't have to use insurance!