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When do I need travel insurance

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Kinjal Davek
When do I need travel insurance

Always. That would be the most appropriate response if what we are looking for is to enjoy the holidays with peace of mind, even more so if we travel with children. However, many times we neglect that aspect in our travel budget and we only regret it when the first inconveniences begin to arise, and almost always there is, no matter how planned we take everything.

 There are many types of insurance, so it is necessary to take into account five essential aspects before hiring one:

  1. The insurance company must have prestige so that it responds to you as you need in case of suffering any mishap, be it theft, a flight cancellation, or a health problem during the trip.
  2. It should also offer you 24-hour service, in order to solve the incident as soon as possible.
  3. Opt for coverage for all members of your family (medical expenses, interventions ...) who are going to travel.
  4. Look for the insurance that offers you the possibility of adding specific coverage that may interest you to its basic package. For example, if you are going to do an adventure or mountain trip, make sure that your insurance includes sports equipment or mountain rescue.

When it comes to traveling, what type of insurance is there?

There are endless modalities, but these are the most effective and popular:

o          Travel insurance 24 hours. It is very complete and flexible because in addition to adapting to any type of trip, whether in Europe or elsewhere in the world, it protects you against all kinds of unforeseen events and accidents (theft, loss or destruction of luggage during transport, medical expenses and early return home due to serious circumstances, as well as coverage in case of death or permanent disability due to an accident during the trip).

o          Annual insurance. If you are going to travel for some time or you usually make frequent trips throughout the year, you should choose the annual insurance because it not only gives you maximum coverage 365 days a year, but it is cheaper than hiring it every time you travel.

o          Cancellation insurance. It is entirely advisable to take out insurance of these characteristics to recover the investment if illness prevents you from traveling or a family member suffers a serious accident, or your companion cannot travel with you; lose your job, cancel the wedding, or they call you for an operation ...

o          Group insurance. If what you are preparing is an outing with friends or several families, this is the ideal option because it protects all members of the group, both on a health level and if any of them have to return earlier than expected due to a mishap at home. (illness of a relative, damage or theft at home ...).

 Credit: https://digi-passport.com/

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Kinjal Davek
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