Travel insurance: 10 tips for choosing the right travel insurance

During his journey in Mauritania, Tim broke his leg. It's sad but after all he contracted a comprehensive insurance for their stay. He contacted the tray support and says he will not be able to repay the remaining days as provided in the contract; reason: it is in a country that the insurer does not cover ...

This remind you of anything? Not (or not) find themselves in the same position as Tim , here are some tips for choosing your travel insurance.

1- Determine your insurance needs:

An insurance contract should be tailored to your needs; You might get a job? Think of the cancellation; you play sports at risk? Go for strong safeguards in medical expenses and hospitalization.

2. Do not focus on the price:

The general conditions of an insurance contract are unattractive to read for ordinary texts. Insurers know this and practice some low fares but attention to the services offered, it must be:

3- Compare services:

With the Internet, information is at hand, go on shopping online and do not hesitate to appreciate them insurance particularly in terms of benefits and amount of guarantees (flight cancellation, medical expenses ...) franchise

4. Check ... and exclusions:

You have a medical history or you want to practice a parachute jump? Care insurance contracts contain exclusions that will not allow you to play your benefits.

5- Do not be daunted by the "zeros"

"Repatriation: € 150,000" for a salary that is huge, yet when it comes to hospitalization or repatriation, the amount can quickly become insufficient.

6. Learn about the cancellation or non-covered causes:

The cancellation of airline tickets provides a large part of the claims. However, this warranty is subject to strict and narrow criteria, so it is better to know in advance, and purchase the widest (including cases of illness ... his stepmother) travel insurance

7- Have a counselor over the phone:

It's always frustrating to pay for a service they do not necessarily use. So whatever the price you pay, please someone that can answer all your questions when in doubt.

8. Beware of credit cards:

Your credit card she has insurance? Generally yes. Is it enough? Not necessarily. Indeed, despite the services offered, insurance blue cards contain three limitations:
- The length in time (you are not covered beyond 3 months)
- The amount of guarantees lower only by a private insurance:
o medical expenses abroad: 11.000 € only for visa credit cards.
o cancellation gold cards contain only a slight cancellation insurance.
o Storage: your luggage is covered only when the plane but not during your stay
- The nature of your stay: careful, you are covered in case of accident or certain sports

9- Do you recommend:

Nothing beats the opinions of relatives, friends but also former clients; do not hesitate to look into the travel forums, they contain for most subjects dealing with insurance.

10. Beware lexicon:

The vocabulary of the same insurance is close to the French stream, may contain some subtleties. The concept of "disease" for example is only valid when it comes to a disease known as sudden and unpredictable. So if you have diabetes, in case of crisis, you will not be supported.