Times are tough for many of us, with rising prices and interest rate hikes.
Despite this, many are going on a trip abroad this year.
However, there are some regrets, as the belt tightened, but the message from the insurance companies is clear.
Warnings: – Pay attention
Is not enough
– The insurance covers unforeseen events, such as illness, injuries or death. Not that anyone has got “cold feet” because of the economy, says communications director at If and European Travel Insurance, Andreas Handeland to DinSide.
Flysmart 24 mentioned the matter first.
At Gjensidige, communications manager Bjarne Arni Rysstad tells Flysmart24 that the company has not noticed any increase in inquiries from people about whether the condition of the travel insurance covers being able to drop a booked trip
– We don’t notice anything about it, and our impression is that the vast majority of people are aware that poor finances are not a reason for cancellation, Rysstad tells flysmart24.
At European Trade, Handeland can say that they have received questions about this.
– It’s not very common, but it happens on a regular basis. In autumn and early winter, the question came up with people who were considering canceling certain insurance policies, in order to save on expenses.
He says that in the event of such enquiries, they conduct a review with the customer in order to possibly adjust the cover down somewhat, rather than canceling the insurance.
– It is understandable that people want to save, but if we had covered costs where you drop your holiday due to finances, it would have been significantly more expensive.
Order
Another important thing is to do things in the right order.
– The main rule is simple. You must purchase travel insurance for the journey begins, Heidi Tofterå Slettemoen, communications manager at Frende, previously told DinSide.
Sometimes things can get in the way that make the trip not go as planned. For example, that you or someone in your immediate family may fall ill, so that the trip has to be cancelled.
– You will not be covered for cancellation if the trip was fully or partially paid for before the travel insurance was purchased, unless you have recently changed companies and your previous company also covers cancellation.
– Cancellation is also not covered if the travel expenses have been paid after the event that led to the cancellation occurred or if you had started the trip before it was cancelled.
Sounds the South alarm
If you have booked and paid for a trip before the Ministry of Foreign Affairs introduces travel advice of the type we became familiar with during the pandemic, the trip is still covered.
– If you have year-round travel insurance, which most of our customers have today, this is not an issue you need to think about. Then you are covered from the moment you leave your home address, even during your free time, Slettemoen said recently.
If you have booked a so-called package holiday, you must however be able to cancel this for a reasonable administration fee until there are 42 days left until the day of departure starts. This according to The Package Travel Act.
If you cancel later than this, up to 15 days before departure, you can get a refund of the amount paid, minus the deposit.
If you cancel after this, you have no claim to a refund.
