Dos and don’ts of travel insurance

Insurance is a reminder of comfort but a challenging and long process. Long queues and commuting between differe branches are the nightmare of anyone who iends to buy and use insurance services. Although these things have become easier than before, buying travel insurance is one of the easiest types of insurance that anyone experiences. Travel insurance is differe from any other type of insurance; From the validity period of the insurance to the items covered and the cost of its purchase, they are all differe from other types of insurance. In this article from Flytoday tourism magazine, you will be fully acquaied with travel insurance and the iroduction of service companies and services covered by it.

What is travel insurance?

Travel or travel insurance is one of the types of insurance to cover medical expenses or unforeseen eves such as lost luggage, flight cancellation, or various unfortunate incides during travel and is available for seven age groups:

• 0 to 12 years
• 13 to 65 years
• 66 to 70 years
• 71 to 75 years
• 76 to 80 years
• 81 to 85 years
• 86 years old and above

There are differe types of travel insurance and each of them covers a certain level of expenses according to the insurance rules and the coverage limit.

By getting travel insurance, you can easily compensate most of the possible losses that may occur to you during your trip. Especially if you buy insurance for foreign trips, you can leave the solution of the problem to the insurance company instead of paying the expenses in foreign currency. Although buying travel insurance is mandatory for foreign trips and obtaining a visa (especially a Schengen visa), it can also be purchased for domestic trips. So, at the time of buying insurance, be sure to read the terms of travel insurance and make sure of its services and coverage.

Which companies offer travel insurance?

Differe companies in Iran offer travel insurance at differe levels, among which the following can be meioned:

• Saman Insurance
• National insurance
• Asia insurance
• Pasargad insurance
• Iran insurance
• and…

It is not bad to know that Iranian companies do not have represeatives abroad, but still, they offer their services to applicas in cooperation with foreign companies such as SOS, Reise Schutz or Allianz.

Limit of travel insurance obligations

The limit of travel insurance obligations is the most importa factor that affects the final choice of the traveler. According to this ceiling, it is determined to what exte the traveler can use the insurance services during the trip if needed. The limit of travel insurance in differe insurances is differe from each other according to the services of foreign partner companies. To better understand this difference, we compare the coverage of some insurance companies in Iran:

• roof covering Saman travel insurance Based on the cooperation of this company with Mideast company, it starts from 30,000 euros, coinues with 50,000 euros and ends with the gold plan of 70,000 and 100,000 euros.
• Nation travel insuranceoffers three plans of group accide insurance for travel tours, insurance for travelers abroad and insurance for travelers eering Iran. The age limit to receive Mellat travel insurance is up to 85 years and the deductible is determined from every 25 euros of damage. Mellat Insurance cooperates with Reise Schutz.
• Iran travel insurancecovers up to 50,000 euros per trip. This company cooperates with Evasan insurance, and its services, in addition to covering medical emergencies, cover children who lose their pares during the trip for any reason, and cover the costs of search and rescue operations for the policyholder.

you can Buying travel insurance With the high commitme limit, do it easily and online and receive your insurance policy file at the same mome.

Items covered by travel insurance

Travel insurance covers everything from medical issues to unforeseen travel incides. Here are some of them:

• Medical expenses and hospitalization in hospitals and medical ceers, including the cost of surgery, hospitalization, examination, or, if necessary, transferring the person to the coury, or paying for accompanying travel (one of the 1st degree relatives)
• Paying for serious illnesses while traveling
• Deal expenses
• The cost of buying and sending esseial medicines for travelers
• Cost of legal issues
• Costs related to flight delays
• Costs related to certificates, passports and other ideification documes abroad
• Loss of cargo on the plane
• Returning a child who lost his pares during a trip to the coury of residence

What does travel insurance not cover?

Along with all the advaages of getting travel insurance, you need to know that some things are not covered by travel insurance at all:

• Damages caused by war or military operations
• Expenses related to participation in competitions such as mouain climbing or cycling
• Costs associated with chronic diseases in the individual
• Premature pregnancy
• Costs due to drug use and alcohol consumption
• Expenses that are paid without informing the insurance company

How much is travel insurance?

One of the most importa pois that you should pay atteion to when buying travel insurance is the validity period of these insurances. In general, if you wa to go on long trips abroad Validity period of travel insurance It is very importa. The validity period of these insurances depends on various factors such as travel destination, travel duration, financial obligations and insurance policy coverages, etc. It is necessary to know that currely the validity period of travel insurance is divided io 9 periods. These iervals are:

• 1 to 7 days
• 8 to 15 days
• 16 to 23 days
• 24 to 31 days
• 32 to 45 days
• 46 to 62 days
• 63 to 92 days
• six mohs
• one year old

We recommend that you buy travel insurance exactly according to the time of your trip, because the validity of your insurance starts from the time you leave the coury. When buying six-moh and one-year insurances, keep in mind that the validity of these insurances is only 92 days for each trip. For this reason, after this period you must return to the coury and travel again.

Necessary documes to purchase insurance and receive travel insurance claims

In order to buy travel insurance, it is necessary to provide the original and copy of the national card and passport to the insurance company, or to buy your travel insurance online in person. Also, possibility Buying travel insurance at the same time as the plane ticket is also provided for you.

You can use two differe methods to receive travel insurance claims:

• If the insurance for your trip has a branch at your destination, you can coact the company and state the name and number of the insurance policy along with its validity period, describe the incide and wait for the represeative of the insurance company to appear on the spot.
• If your insurance agency is not available to you, you can pay the incurred expenses personally and after returning to the origin, get your fee from the insurance company by preseing the receipt of the expenses, the original insurance policy, the original and copy of the passport and various reports.

What is the best travel insurance?

The best travel insurance is the one that ideifies most of the possible risks and threats and provides a suitable solution for them. The coverage of such insurance is very high and the traveler has more peace of mind by purchasing it. Pasargad travel insurance, Saman travel insurance or SOS travel insurance are some of the best travel insurances available in Iran.

What is foreign travel insurance?

The travel insurances that people get are differe. One of these insurances is related to foreign trips. In this situation, travelers can buy differe types of insurance. For example, if you plan to travel to European couries, you can use Schengen travel insurance for your trip. Multi-ery travel insurance is suitable for you for long-term or multiple trips. Travel insurance for visa can also be one of the right choices, because some embassies consider having this insurance as one of the main conditions.

What are the types of travel insurance?

Travel insurance that you can choose before your trip includes the following benefits:

• Travel insurance for studes: If you are a stude and you plan to travel to foreign couries, do not take the risk of traveling without insurance. This insurance includes various coverages, such as paying the costs of theft or lost documes, compensation for medical damages, costs of delay in luggage delivery, payme of costs of sending medicine to the policyholder, costs of flight delay damages, etc.
• Single travel insurance: If you plan to travel to a foreign coury once, you can use this insurance. Single travel insurance is a cheap and affordable type of travel insurance that has various coverages, but this type of insurance does not include various costs such as war, military aggression, optional abortion, trips for more than 92 consecutive days, participation in horse racing, etc. .
• Schengen travel insurance: If you are traveling to Schengen couries, it is necessary to have insurance. These couries have a ceiling of at least 50,000 euros for normal trips. This insurance covers differe age groups from 12 to 80 years. Currely, this insurance provides services for 29 couries, which have differe costs depending on age, length of stay and level of obligations. If you are traveling with your family to these couries, travel insurance for your family is a good choice.

Importa tips for buying travel insurance

When you buy insurance for your trip, it is importa to pay atteion to the following pois:

• Atteion to the method of buying insurance online or in person
• Using group insurances for group trips
• Paying atteion to the exchange rate when buying insurance
• Using esseial insurance to reduce the cost of buying insurance

Travel and medical insurance, a safe option for traveling anywhere in the world

In this article, we told you everything about travel insurance. You can buy travel insurance online or in person and buy travel insurance according to your destination, history and duration of your trip. So after purchase plane ticket And make hotel reservations for all domestic and foreign destinations, purchase travel insurance as a priority.

Now you say; What is your experience with buying travel insurance? Have you ever used it while traveling? Share your opinion with us.

Frequely asked questions about travel insurance