In practice, it is possible to arrange either one-off insurance only for the period of the holiday or year-round travel insurance, which is often a supplementary service to the payment card.
Travel insurance is essential when traveling abroad
Year-round travel insurance is more advantageous than several short-term one-off policies when traveling abroad more often. The Internet today allows you to insure online on the day of departure. The insurance can also be arranged by mobile or tablet via the application, as needed at the airport dough before departure.
1. Follow official instructions
When traveling abroad, the current situation in your destination should be taken into account. On the website of the Ministry of Foreign Affairs, you can find an up-to-date overview of countries, localities or regions where there is an acute risk to tourists. It may be political unrest, a terrorist threat, or an epidemic. Insurance companies follow this overview in their terms – unless the competent authority recommends traveling somewhere, travel insurance does not apply to these areas.
2. Beware of journeys requiring special preparation
When traveling to remote and exotic destinations, it is necessary to identify local risks, be they safety or health, and others. In the case of a condition that is demanding in condition or treacherous with regard to possible illnesses, the tourist must think in time about preventive examinations and necessary vaccinations, as well as adequate equipment of a travel first aid kit.
3. Set a reasonable amount of insurance
It pays to think of sufficient, not just the cheapest insurance. It is true that the more remote, less backward and less populous the area you are heading to, or the more expensive the health care, the higher the coverage you should choose. The cost of treatment is sovereignly led by the United States. Always be aware of exclusions from insurance – beware of alcohol consumption or rental vehicles, for example!
4. The assistance service is here for you 24 hours a day
One of the main advantages of travel insurance is continuous assistance on the phone. It can be connected from anywhere and consult your troubles in the Czech language. Experts will advise you on the best course of action and negotiate for you with local authorities or health care facilities. By following their instructions, you will make it significantly easier to settle the claim. Keep your insurance card with you at all times and save your assistance phone number on your phone.
5. Do not underestimate the need for liability insurance
Be sure not to forget about liability insurance, which can save you hundreds of thousands and millions in case of silly accident. For example, when your children drop something from a shelf in a shop, an object from a hotel terrace falls down on a parked car, you break down unintentional equipment in a hotel room, or injure someone in recreational sports.
6. Be careful when signing local documents for an event
Abroad, pay attention to what documents you attach your signature to. Especially when everything is not clear or you don’t understand the local language. In case of doubt, it is also worthwhile to call the police, or consult the telephone assistance service. If you sign a document, then it is very complicated to dispute or reverse the matter.
7. Retain all original documents
In order to settle an insured event, all costs incurred in this connection must be documented. Gather all the receipts or tickets and hand them over to the insurance company after returning home. Remember, at the same time, that the insurance company will only reimburse you for costs that have been paid effectively and demonstrably to address the situation. It is necessary to look at the adequacy of the chosen solution. Here, too, it is advisable to agree in advance on an assisted line procedure to avoid unnecessary discussions on the appropriateness and effectiveness of replacement costs.
8. Report the insured event on time
Underinsurance conditions, the client must report his / her damage from abroad no later than thirty days after returning home. It is mainly about the initial registration of the event, all the other essentials and evidence can follow.
9. Prevent insured events
The insured client is obliged to behave in a way that does not contribute to his / her approach or activities to increase the risk of an insured event or to a greater extent of its consequences. In other words, he is obliged to refrain from any action that would increase the risk. This applies in particular to overestimation of power, consumption of alcohol, not leaving information about where to go, etc.
10. Insurance arranged abroad
Keep in mind that travel insurance arranged abroad, ie during your stay abroad will only come into effect in seven days! It’s good to think about insurance before you leave. In such a case, you will pay practically immediately after you pay the premium.