5 expenses that you can save with travel insurance
You have organized everything for your next trip, tickets booked, suitcase more or less made, booked the activities you want to do once you reach your destination
Unfortunately, having planned much of the trip does not mean being free from the various surprises that may surprise you while you are on holiday. Illnesses, accidents, family problems, delays in the means of transport, loss of luggage… resolving these problems can mean having to face a series of unforeseen expenses and, in the worst case, interrupting or cancelling your trip.
Fortunately, there are travel insurances, which help you to deal with unforeseen events and accidents on holiday, giving you the opportunity to leave with the confidence that, whatever happens, you will be covered at all times.
Find out about the most common accidents that can happen when you are travelling and choose the right insurance policy for your next trip.
Traveling medical assistance
One of the greatest concerns of travelers is to have good health coverage abroad and to receive good health care in case of need, without being forced to advance large sums of money, especially when you are away from home. For this reason, the health care costs of Italians abroad are one of the most important reasons to buy health insurance for travel abroad.
In Italy, for a health problem, you can go to your doctor or, in more urgent cases, to the Emergency Room, but abroad things change. Not all countries enjoy an efficient and free health service, so it is essential to take out travel insurance with extensive health coverage that can cover the costs incurred abroad in the event of accidents that require hospital care. It is not so rare to have to resort to the intervention of a doctor when you are travelling, on holiday or on business, just as it is not at all automatic that hospital care is free and usable as at home.
Health care abroad offers all the support you need in the event of setbacks, limiting the inconvenience and costs, often high in countries where there is no free health care or where the hospitals themselves do not offer good quality standards. This is especially the case when travelling outside Europe and in countries where there is no bilateral agreement with Italy on medical care. The examples could be many, but it is sufficient to think of some of the countries most visited by Italian tourists: to travel to the USA, Canada, Cuba and Thailand it is recommended, almost mandatory, to take out travel health insurance to avoid incurring crazy expenses or unpleasant setbacks to the occurrence of accidents that require medical intervention. The same applies to exotic destinations and all those countries where medical care is not easily accessible.
If you are about to visit a European country, you can use the European Health Insurance Card (EHIC), which allows citizens of the 28 EU member states and Iceland, Liechtenstein, Norway and Switzerland to have easier access to medical care during stays in other European countries using the card. The EHIC is issued to all descendants of the National Health Service who hold Italian citizenship or who have their residence in Italy.
But does it guarantee that health care is always and exclusively free of charge? No, the conditions of the health system of each country come into play, therefore, the only way to travel safely in Europe is by taking out travel insurance, to be able to count on greater coverage and protection and avoid having to anticipate medical expenses. Whatever the destination of your next trip, travel insurance offers 24-hour assistance so as to offer you the best hospital to turn to in case of need, covers the costs of urgent surgical operations, medical examinations and medications administered during hospitalization. Also included are the costs of repatriation, the insured and two travelling companions.
Theft, loss and material damage to luggage
Losing your luggage is a nightmare for all travellers, as it can ruin an entire holiday and create unpleasant consequences. Insurance cover protects you against all baggage problems that may arise while you are travelling.
In the event of a delay in the delivery of your baggage, you can save the cost of purchasing the products you will have to buy until you retrieve the suitcase. In addition, the insurance will reimburse you for theft, fire, mugging and non-delivery of checked baggage.
Flight delays and cancellations
The delay in the departure of a flight, or its definitive cancellation, may result in additional expenses that you had not calculated in your travel budget. It is true that, according to the European Union Regulation (EC) No. 261/2004, travelers are obliged to receive comprehensive information and be rewarded, but there are cases where the responsibility for a delay or cancellation of a flight is not attributable to the companies and therefore leave the travelers uncovered. By taking out a travel policy and submitting the corresponding invoices at the time of reimbursement, you will be able to recover the cost of expenses arising from the delay or cancellation of your flight.
Loss of connections
A delayed flight or its cancellation may cause the loss of other services, such as air links. To save or recover these expenses, travel insurance, in case of overbooking or last-minute cancellation, will reimburse the extra expenses while waiting for the departure of the new flight.
If the means of transport is delayed due to a technical error or other force majeure and, you lose the services initially contracted (excursions, hotels, etc..), the insurance company will reimburse the amount of such services.
Theft or loss of travel documents
One of the things to do before you leave is to make sure you have all your travel documents in order. First of all, your identity card and passport, which are essential for travelling abroad. But what happens if you lose them or if they are stolen? Since this is an essential travel requirement, the theft or loss of these documents would prevent us from continuing our journey or, even worse, from returning home.
In case of theft or loss of your travel documents you will have to file a report and go to the Italian Consulate or Embassy. If you have travel insurance, you will be covered for the costs of handling and duplicating the documents. Remember that, while travelling, the Farnesina recommends that you take a photocopy of your identity documents with you, leaving your passport and travel ticket in a safe place.