When choosing travel destinations, we usually plan everything down to the smallest detail, but often forget or even consciously disregard the most important thing. Our article will be about travel medical insurance.
It's no secret that medical services in many countries are very expensive, and relying on the hope that you won't need them is not very wise. Statistics show that people become less vigilant while on vacation, engage in reckless behavior, and subject themselves to risks without thinking about the consequences. This is due to the carefree nature of vacationing, the belief that everything goes perfectly on vacation, and in some cases, alcohol, which exceeds its usual concentration in the body during leisure time. A moment of recklessness can result in an injury. Another common scenario is food poisoning or a sudden reaction to new, previously unseen dishes. And that's where the understanding of why you needed insurance comes in.
If you are going on a package tour, insurance is already automatically included in it. An experienced traveler will always clarify the coverage amount and what is included in the list of insurance cases. You can always purchase extended insurance that, along with medical coverage, will insure you against non-departure and your luggage against damage and loss. Non-departure insurance is particularly popular with families traveling with children. If the little traveler falls ill the day before departure, you won't have to risk their health or lose money for the tour. It is wise to purchase non-departure insurance even when the tour is purchased on an "early booking" promotion. A lot can happen in 3-4 months, such as an emergency at work that makes vacation impossible.
It's worth noting that insurance also covers the cost of necessary medications. However, there are a few important things to keep in mind. Insurance does not cover injuries sustained while under the influence of alcohol. Sunburns are also not covered by insurance, so be careful and don't forget to use sunscreen and stay in the shade during the hottest part of the day. Many policies require a mandatory first payment, usually around 20-30 euros, and the rest is covered by the insurance company. In case of an insurance event, it is very important to call the phone number specified in the insurance policy, and they will send a doctor to you or provide addresses of hospitals where you can go. Otherwise, the insurance company will not pay for medical services that were provided to you.
In conclusion, we would like to wish everyone good health and vacations where you won't have to use your insurance. But remember, your health and safety are worth much more than 15-20 euros. Don't neglect insuring your health abroad.
