Traveling has a lot to tell. So that the negative experiences contained therein do not threaten their existence, many consider travel insurance. But not only are the premiums very different – the benefits are also difficult to compare, warns the Chamber of Labor. Therefore, before the trip, everyone should check for themselves “what is important when it comes to travel protection and compare tariffs using a list of priorities”.
The eight travel insurance companies compared by the AK offered “packages” or complete tariffs with various modules. The customer must deal with the differences between trip cancellation, trip interruption, travel liability, luggage, travel accident and travel health insurance. Some tariffs include special additional coverage.
The AK has calculated a “complete package for a family with two children”, which is valid for a 14-day vacation in Europe for 3,500 euros – and depending on the insurance costs 90 to 278 euros. According to the AK, insurance for a one-week trip to Turkey for 1,000 euros costs between 30 and 152 euros per person.
If you are looking for the best offer, you have to pay attention not only to the premiums but also to the sums insured in the individual modules, exclusions and restrictions as well as the geographical and temporal scope of the travel insurance policy. “There are individual, single parent, family or group tariffs, tariffs with or without deductibles,” says the AK. Annual insurance would often pay off for as little as two trips a year.
Credit cards also include travel insurance with numerous components: cancellation, trip interruption, flight delay, health and accident insurance, travel liability, the AK reminds. However, different conditions apply depending on the card provider and card. Sometimes the specific trip has to be paid for with the card, sometimes regular use of the card is enough for insurance cover. In principle, relatives of the cardholders are also insured – but not always and all of them. In any case, it is important to document any damage precisely – and to report it to the insurance company immediately.
2023-06-09 13:01:26
#Travel #insurance #compared #effort
