Travel health insurance

Travel insurance types that most interest us are classified into two categories, health and trip cancellation.

In choosing we cannot underestimate the reality of both holiday nightmares. If we were to go on holiday, health insurance becomes almost a necessity. To a tourist getting sick means spending a fortune on treatment. In the world of insurance coverage the choice must fall back on the individual needs and concerns. But health insurance is a must if you don't want to end up spending a fortune the extras are a benefit to have.

Travel cancellation insurance, enables us to receive a reimbursement on most of our money if we were unable to leave. Let's say you booked and paid for a trip to the Dominican Republic and spent 2, 000 dollars, if you could not leave due to whatever reasons and you did not buy insurance, wouldn't you be upset? It might have cost you perhaps a couple of extra dollars for the insurance and now you lost 2, 000 dollars instead.

What is the cost of travel insurance?

By purchasing a package from a tour operator, travel, health insurance is very often included in the cost of travel. In this case I do not know the exact amount of cost. But always ask if insurance is included. Remember though that having cancellation insurance is not mandatory but always good to have. The cost of this coverage varies depending on the cost of travel.

Insurance companies offer many advantages and very few disadvantages.

Being in a foreign country, miles and miles from home and getting sick or injured can turn your holiday into a nightmare. Having someone who pays for our assistance speaks our language and reimburse the expenses incurred for drugs, medical visits, hospital admissions, legal assistance, gives me peace of mind.

However, make sure you applied for the right insurance, and remember a cancelled trip is reimbursable, but taxes paid on it are not included. If something does happen, you must act quickly, usually within 24 hours after the event occurred or within 10 days of your return home. The sooner you make the claim the faster you will get your refund and medical expenses taken care of.

What about auto insurance when travelling?

Every time I visit any vacation spot I always enjoy renting a car and driving away to explore the area. If you are renting a car through your travel agency and then picking it up at your destination, then your travel agency can arrange all of this for you, including auto insurance. Make sure you get the Collision Damage coverage. However, most of the time when travelling abroad we decide to rent a car, using a credit card usually offers insurance coverage. Just make sure you check with them first to make sure.

Be safe and have fun!

1. Answer the questions:

a. What are the two main categories of travel insurance?

b. Why is it necessary to have health insurance?

c. How can holiday cancellation insurance save your money?

d. What does the cost of travel insurance depend on?

e. What are the advantages of travel insurance?

2. Give the English equivalents from the text:

Брать автомобиль напрокат, отмена поездки, страховое возмещение, возмещать издержки, юридическая поддержка, подлежащий возмещению, включён в стоимость поездки, недостатки, туристическое агентство, точная сумма.

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