28.5.2019 (ADAC Versicherung AG) is The summer travel season just before the door, however, can take up travel a lot of pass – the leisure-Kick ends with a ligament rupture or the Appendix reports a severe inflammation and the holiday dreams are burst. The right travel insurance will help to at least limit the financial damage – so if during the journey something happens. The following travel insurance can be useful:
The foreign health insurance is the most important travel insurance, because the statutory health insurance funds assume the costs within the EU, not all of them. The repatriation should definitely be part of it. The trip cancellation insurance is available at a more expensive trip or several shorter vacations make sense. After all, who cancels a booked trip, will have to pay many of the operator’s cancellation fees. The customer says just before you travel, can amount to the cancellation costs up to 100 percent of the travel price.
The trip interruption insurance is to a lot of trip cancellation insurance as an additional package available, and a jump, if the traveler is ill, on holiday for example, and therefore the vacation in advance, must cancel. The baggage insurance is worth it in high-quality Luggage. It should to be co-insured also be late delivered baggage, the costs for replacement clothing are covered.
Before concluding, one should note a few things. The 7 most important tips about travel insurance:
Year contracts or contracts for a single travel: With one year insurance are insured for all trips per year, the spontaneous short trip to neighboring countries. You are traveling several times a year, is a one-year contract is often more practical and cheaper than to insure each trip separately. At the completion of a year contract with an extension, attention should be paid to the period of notice is usually one month before the end of the contract.
Meaningful package choose: You should just check which package you need, so you don’t regret anything. A travel liability or travel accident insurance are only in a few cases, the foreign health protection, however, is elementary.
Trip interruption co-insured: In the case of a travel cancellation insurance should be in the package is a trip interruption insurance with it. The cancellation insurance applies only to the departure to the trip, the trip interruption insurance travel, for example, when you check in at the airport.
Council with self-involvement: In the price of the insurance differ greatly, because there are tariffs with and without self-involvement. The amount of the travel sum and the individual needs should be considered in the decision for the appropriate Tariff.
The clause “unexpected serious illness” in the travel insurance often ends up in court. For this reason, especially people who have a severe pre-existing or chronic conditions should discuss travel plans in advance with the treating doctor. Difficult diseases are only if the doctor certifies a trip unsuitability, or if these symptoms interfere with the patient so strong that a trip would be unreasonable. The disease, however, must be not only difficult, but also unexpected. A first occurring heart attack would be, for example, a case in point. Detailed information is available at the www.adac.de/produkte/versicherungen/reiseruecktrittsversicherung/tarife-und-leistungen/
Cancellation and Information: must be cancelled If the insured event occurs, immediately to the tour operator. Thereafter, the completed notification of claim must be submitted with all the documents to the insurer. The same applies to the trip interruption insurance.
The insurance helps: anyone Who becomes ill while they are on holiday or has an accident, you should report immediately to his insurance. The Hotel Concierge is usually the best choice. The insurance is not organized and only the suitable, reputable medical care, but also for linguistic problems and in the worst case, a repatriation organized.
Product offerings
Among others, the Federal Foreign office and the statutory health insurance companies recommend that you take out health insurance abroad. The international health protection at the ADAC Versicherung AG as of 12.80 Euro in the year: www.adac.de/produkte/versicherungen/auslandskrankenversicherungen
The travel cancellation, trip interruption, and baggage insurance is included in the Premium Tariff of the ADAC travel cancellation insurance: www.adac.de/produkte/versicherungen/reiseruecktrittsversicherung/tarife-und-leistungen/
On the Online form for the notification of claim in the trip cancellation and trip interruption insurance can be accessed directly:
www.adac.de/produkte/versicherungen/reiseruecktrittsversicherung/schaden/
What travel insurance make sense? (Source: ADAC Versicherung AG)
