Traveling is an activity that most people enjoy, especially in the summer. The longer, warmer days invite you to take a dip on a paradise beach or discover a new and different place. So if you’re planning to travel soon, travel insurance is the best protection for your vacation.
Travel is one of the most enjoyable activities for humans, whether to relax, explore new places or meet different cultures. However, unforeseen events happen and you must be prepared to face them. Travel Insurance is an indispensable ally, as it offers protection for a number of eventualities that can happen during the holidays.
Being on your dream trip and facing a medical emergency is not a pleasant scenario to imagine. Without proper insurance, expenses can be exorbitant, especially if you travel outside the country. With Travel Insurance, you can have unlimited coverage for medical expenses. Besides, this solution covers delays, cancellations, lost baggage and other common travel incidents.
Read on to find out what Travel Insurance includes, what its benefits are and what types of insurance there are.
Why should you invest in a Travel Insurance?
Have you thought about why take out travel insurance? What is it for or how does it work? The answer is simple: Travel Insurance is a protection that covers a number of risks associated with travel, whether it’s for leisure or work.
The purpose of this type of insurance is to provide security and tranquility to the traveler, being possible to choose a contract for a certain period or for an indefinite period. It is also an essential product to deal with unforeseen events, both in the country of origin and abroad. However, before choosing any insurance, check what you already have to avoid having duplicate coverage.
Still, Travel Insurance is affordable and easy to activate as it reduces the possibility of having problems or extra costs during your vacation.
Know the coverage of Travel Insurance
This insurance can be customized to the needs of the traveler. There are different levels of coverage, as well as additional options. Different types of insurance can also be selected – depending on the trips you intend to make. Now, here are some of the most significant guarantees of this solution:
- Medical expenses: payment of treatment costs abroad and their continuation in Portugal;
- Transport of the wounded and sick and their follow-up: if the person is ill, there is a possibility to be transported to a hospital. May also be repatriated if unable to travel;
- Return ticket for a relative (with stay): if the length of hospitalisation of the traveller is extended, travel costs for a relative may be covered;
- Possibility of early return: in the event of a family member of the insured person dying (for example), the expenses of their return are covered by insurance;
- Loss, theft, misplacement or deterioration of luggage: the loss of luggage is not a problem if you take out Travel Insurance, as you will be compensated;
- Advance of funds: there is the possibility to proceed with the advance of funds necessary for the replacement of essential goods that may have been lost or damaged;
- Capital for missed connections and flight delays: this clause provides protection against lost or cancelled flights, including compensation for the purchase of new tickets, accommodation costs when necessary and reimbursement of unused holidays;
- Death or permanent disability: in case of an accident, there is coverage for the payment to the corresponding of the insurance capital – also being able, in certain cases, to be covered funeral expenses;
- Legal defense and claims abroad: the legal protection abroad is safeguarded, as well as a civil liability component that guarantees expenses for damages caused to third parties.
The coverages are various and comprehensive, so you can also contract the Travel Insurance in modules of coverages and capitals previously selected by the traveler. A single policy is capable of covering several safe persons, with different plans and capitals from each other.
The benefits of Travel Insurance
Contracting a Travel Insurance is always a viable option if you want to enjoy your holidays to the fullest. Who does not want to have peace and quiet on the road? If you still have doubts, here are some reasons why this insurance is what you need to travel safely:
1. Ease in contracting insurance
Through the contracting by modules, it is possible to have the decision process facilitated, which allows you to benefit from multiple coverages;
2. Flexibility
The traveller can choose the covers that suit him best, in order to have a solution customized to his needs and according to his preferences;
3. Medical care
Knowing that you have medical assistance on the go allows you to enjoy more of your holidays and enjoy time with family and friends, without having to think about possible unforeseen events.
4. Protection for cancelled or delayed flights
If your flight is cancelled or delayed – or you miss the connection between flights -, this insurance protects you and guarantees you stay. You may also receive compensation if your baggage is lost, stolen or damaged, which gives you additional comfort on your travels.
5. Assistance on the road
In addition to the various insurance covers, it has continuous support for emergencies, including medical advice, legal assistance and help with loss of documents.
6. Saving money and time
The cost of insurance depends on the type of trip you are taking, but compared to the total value of the trip, it does not represent a big investment. If an unforeseen event occurs during your holiday and you have travel insurance, you can save on the expenses arising from the problem, as long as it is covered by the policy. Then, the Travel Insurance helps to clarify doubts and facilitates the management of the trip, especially in unforeseen situations, such as loss or delay in delivery of baggage by the airline. On average, these companies take about 42 hours to return your baggage, enough time to change your plans. Therefore, the insurance covers the purchase of essential goods, allowing you to continue your journey.
Prioritizing travel safety is the best way to protect yourself from accidents that can ruin your vacation.
What types of travel insurance are there?
The reasons that lead us to travel can be many and varied, hence the importance of choosing the insurance that best suits the moment in which you decide to move. From short and domestic trips to extended international adventures or work, there are several types of insurance available that guarantee protection and peace of mind.
You can choose more comprehensive and unlimited capital insurance for most contingencies that may arise, specific insurance for business travel, insurance directed to accommodation, insurance that protects passengers and other insurance with more specific and customized conditions.
Are there any exceptions to this insurance coverage?
Travel insurance does not normally cover accidents caused by natural phenomena. Similarly, accidents related to terrorism, war, popular movements and riots, radiation effects and the practice of dangerous sports are excluded.
Already planning your next adventure? If you want to hire a travel insurance adaptaded to your needs, contact us to choose the solution that best suits your preferences. If you prefer, you can do your simulation here.
