Do you know what travel insurance is and what it is for? So come with us and we’ll unravel everything about it in this article.
Travelling is an amazing experience, isn’t it? However, since not everything is rosy, problems can arise along the way. With that in mind, it is essential that you consider a crucial aspect: taking out good travel insurance.
Now, you might be wondering, “what is travel insurance and why do I need it?” Well, that’s exactly what we’re going to unravel together in this article. So, are you ready to dive into all the ins and outs of travel insurance? And believe me, we have valuable tips for you to choose the best one for your needs.
Look, if you’re already planning a vacation, take a break and don’t buy a ticket until you’ve finished reading this article. And here’s why: if you’ve already taken several trips without having travel insurance, I’m sure that, after knowing what we have to share, you’ll no longer be able to travel without taking one out in advance. Intriguing, isn’t it?
So, let’s go! Let’s find out together what it takes to buy travel insurance online and how this decision can save you a lot of headaches. Trust me, you won’t want to miss out on this precious information. Let’s go?
What is travel insurance?
First of all, it is very important to understand what exactly travel insurance is, so that only then can you explain how travel insurance works. And getting straight to the point, just as there’s car insurance, home insurance, and even credit card insurance, there’s travel insurance.
How does this type of insurance work?
When we travel, we usually think about what the destination will be like, how long we will be there and what we will do. But, for the trip to be really peaceful, it is also important to consider taking out travel insurance.
Travel insurance is an important investment, as it protects us from unforeseen events such as personal accidents, illnesses or even luggage theft. In addition, if you need to cancel the trip due to force majeure (such as illness or the death of a family member), the insurance still reimburses you for the amounts already spent.
But after all, what is included in travel insurance? Well, that will depend on your policy, as each insurance company offers different coverage. But there are some essential items that every good insurance must have:
- Medical and hospital assistance: in case of accidents or illnesses during the trip;
- Cancellation or interruption of trip: reimbursement of expenses already incurred in case of cancellation due to unforeseen reasons (such as illness);
- Baggage: reimbursement for expenses with repair or replacement of luggage in case of loss, damage or theft;
- Guarantee insurance: guarantee for payment of any extra fees (such as hotel) in case of loss of luggage;
These are the most basic items that all good travel insurance needs to have. In addition, it is important to check the limits and conditions for each of these items, as some may have restrictions (such as minimum age for medical assistance).
Do I really need travel insurance?
When traveling, many people ask themselves if they really need travel insurance. After all, isn’t credit card or health plan coverage enough? The answer is: it depends.
More and more, credit cards offer coverage for personal accidents and even trip cancellations. However, these coverages are generally limited and may not be sufficient to cover all the risks of a trip.
Health plans generally do not cover medical care abroad. In addition, it is important to remember that even if your plan covers consultations abroad, you will still need to pay medical expenses, as consultations and exams are much more expensive outside Brazil.
Therefore, if you are planning a trip abroad, it is important to assess the need and, in certain countries, the obligation to take out travel insurance. Remember: prevention is better than cure!
And going straight to the point, this type of insurance serves to deal with the unforeseen events that can put your trip at risk. After all, nobody usually thinks about what could go wrong during a trip, right? However, not thinking about what could go wrong during a trip can be very risky.
And that’s exactly when travel insurance comes into play, as it will take care of factors that you didn’t take into account with your payment. Insurance is a service that someone hires before traveling, and in cases of accidents that require medical treatment, luggage loss, etc., the insurance will be used to cover such expenses. After all, all insurance is done so that we have security, but what we want most is not having to use it.
What is the importance of having travel insurance?
Tell me something, have you ever thought about what it would be like to end up having your trip put at risk because you got hurt? This is the concern of many travelers. Especially taking into account the price of medical expenses around the world. Therefore, traveling without having travel insurance, both the fun of your trip and your physical integrity will be at risk.
Especially if you intend to go hiking during your trip, climb somewhere, go camping or something like that. Well, as you can imagine, in activities like these the risk of accidents is usually very high, especially when it comes to beginners. So, if you are going to travel, be sure to look for good travel insurance, as it will make a total difference during your trip.
How to contract this type of insurance?
Now that you understand how important it is to have insurance when traveling, check out how to hire this service below. The first thing you will need to do is access the official website of a company that provides this service. After that, you will need to register with your personal data, such as your CPF, your RG and some other important documents.
Then, among the range of services related to travel insurance, you will need to select one, keeping in mind that according to its price, your insurance will cover more or less things. After that, select a payment method, fill in the requested information and that’s it. After carrying out this procedure, you have just contracted travel insurance.
But relax, the cost-benefit of these insurances is usually extremely evident, after all, you will normally pay around 5 to 10 reais per day. And in exchange you will receive insurance that covers from 5 to 20 thousand reais in medical expenses. Remembering that the more expensive or cheaper an insurance is, its coverage will also be equally proportional.
Tips for choosing the best travel insurance on the market
However, it is very important to understand how to purchase good travel insurance, so that you are not left behind. And the first tip is to go to the site complain here and see if there are many complaints about this company. In addition to checking to see if there are many complaints, it is very important that you check that complaints have been responded to and that problems have been resolved in an efficient manner.
Among all the evaluations, as mentioned above, it is necessary to check the coverage and assess whether it meets your needs. Taking into account the minimum necessary that good plans should cover.
It is also worth asking for support from a travel agency, as they have extensive experience in the subject and can bring you greater security if you are a beginner in the subject.
All of this needs to be taken into account when purchasing insurance before taking a trip, because just as having an accident is bad, being in the lurch is also bad. Therefore, be very careful when hiring.
And now, we come to the end of our journey, a detailed tour of travel insurance. Now that you know what it is, how it works, what it’s for and how to hire it, you’re ready to take the next step and ensure your safety during your adventures.
We hope that this article has answered your questions and that now, with all this information, you have in your hands the power to make the best decision. Remember, good travel insurance is not a luxury, but a necessity. It is your guarantee of a smooth journey, even in the face of unforeseen circumstances.
It was a pleasure to help you in this stage of preparation for your trip! We hope this article was useful and contributed to making your travel experience even safer and smoother.
And don’t forget, we’re always here, providing content relevant to your needs. Keep an eye on our publications so you don’t miss anything. After all, knowledge is never too much, is it? Until next time, and have a good trip!