Summer vacations are just around the corner and surely you plan to make this trip unforgettable for you, your companion or your family.
Therefore, prevent it from becoming a nightmare. According to the portal of the Ministry of Foreign Affairs, when traveling, having insurance is as essential as carrying your passport.
The Ministry of Foreign Affairs reminds us that the cost of travel insurance is usually not very high, although it varies according to the coverage, the age of the person, the destination, the length of stay, pre-existing medical conditions and the degree of risk of the activities to be carried out.
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Travel insurance is a policy that covers unforeseen events that may arise at the destination.
The Condusef explains that there are some elements that must be paid attention to.
The first is the premium, that is, the total price of the insurance. The loss refers to the damage that the insurer will indemnify.
Another aspect is the sum insured, that is, the maximum amount paid by the company in the event of an accident.
The policy refers to the general conditions, what the contract covers you and the clauses for which you will not be compensated, the coverages, sums insured, deductibles and endorsements.
Coverage tells you what the insurance covers, and exclusions tell you what it doesn’t.
Deductibles refer to the previous amount of money with which you participate each time a claim occurs, so that you obtain payment by the insurer.
For the most part, travel insurance has coverage such as medical assistance, accidents and medication reimbursement. The Condusef indicates that protection of this type must include at least a 24-hour medical assistance service.
There is protection for loss and cancellation of services, that is, it covers the expenses for the unscheduled interruption of the trip or due to a delay.
It must cover your plane ticket and stay for family support, because in the event that a relative becomes ill, it covers your round trip ticket to the place of hospitalization in economy class.
Even in serious cases, the insurance must cover medical or funeral repatriation expenses, since in case of illness, the transfer of the person to their place of residence will be covered.
In case of death, the insurer will carry out the administrative and legal procedures to bring the body to the country.
The AMIS states that there are companies that offer this insurance, so it is advisable to review the available options and hire the one that best suits your needs.
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