8 good reasons to subscribe to travel insurance

You can no longer resist your desires, and are you planning a trip abroad? Before anything, don’t hesitate to plan a travel insurance that can get you out of trouble!

Travel insurance is a set of guarantees that you are not obliged to subscribe. However, it is not because insurance is not mandatory that it should be neglected. When you go on a journey, sometimes far from France, you are not immune to a disappointment. Health problems, loss of baggage, death of a loved one in France, all this could cost you very much. This insurance can even be essential even before your departure if, for a reason independent of your will, you could not leave. Are you wondering why you're taking travel insurance? We tell you everything.

1. You can get sick at any time

If you go abroad, in full form and ready to enjoy your journey, nothing can predict how your stay will take place. Yes, of course, most of the time is fine. But what happens if you get sick? An important flu, food poisoning, if you suffer from such disorders, you will only have other solutions to go to the doctor.

However, medical expenses abroad are not identical to those of France. They are mostly very expensive. Social Security offers you a refund, but it remains low in terms of actual spending. And if you have to get hospitalized, we talk about thousands, or even tens of thousands of euros depending on the country. Travel insurance offers care and hospitality to meet your needs.

Travel insurance offers care and hospitality to meet your needs .

For example, Allianz Travel , travel assistance and insurance service worldwide, offers different solutions according to the needs of each. These solutions include emergency care, which, according to the destination, are supported up to €200,000 or €300,000.

2. You can exchange with a French doctor

If you get sick, you will need a real accompaniment, this is what the assistance component of travel insurance offers. Here again Allianz Travel to have a concrete vision of the coverage offered to you.

This insurer allows you to exchange with a French speaking doctor on teleconsultation, and this 24-hour, which is extremely reassuring.

3. Because repatriation costs very expensive

Did you get a serious illness? You were the victim of an accident and your condition requires repatriation? The price of this service is particularly high. Indeed, you must take a new flight and travel, sometimes under special conditions (e.g. lengthened). In addition, you must be, according to your health, accompanied.

The cost of repatriation can reach thousands of euros, or even more, are you able to take these costs? If this is not the case, Travel insurance is to be subscribed. She is the one organize your repatriation and take charge of the costs . This repatriation assistance usually costs a few dozen euros, a detail regarding what you might spend in case of a problem.

4. You can lose or steal your luggage

When you travel, part of your life is in your luggage. However, the loss, theft or degradation of these are not to be excluded. How do you do if you don’t have essential hygiene products and clothing? This loss will result in costs, travel insurance takes place once again to reduce the rating.

Not only can you claim compensation, but some insurance offers, like Allianz Travel, a refund of the essential goods in case of delay in delivery to arrival.

5. Because you can be forced to cancel your trip

Before you leave, different reasons can encourage you to cancel your stay. Even if these are independent of your will, your tour operator or airline and hoteliers will not refund you.

Travel insurance, depending on the nature of the guarantees you have subscribed, compensates you if you cannot travel. Note, however, that the cancellation is not your fact.

It intervenes in case of illness, death, damage to your home, economic dismissal, refusal of visa, cancellation of your leave by your employer, etc. With regard to the price of a trip, it is best to enjoy a complete travel insurance including the cancellation guarantee.

6. You can hurt someone or damage a good

Travel insurance includes the civil liability guarantee. What is it? This is a cover that protects you as long as you hurt someone or are responsible for material damage (in an accidental way of course).

This guarantee generally covers your accompanying family. Also, if your child plays with another kid and hurts him, it is your insurance that compensates the child’s family. If you break a vase in a store, there is your civil liability insurance that pays the costs.

Once again, you opt, with travel insurance, for a solution that will preserve your budget.

7. Because an early return is not to be excluded

When you travel to Europe or to the other end of the world, everything can take place in the best conditions.. for you. But what about your loved ones? If one of them dies during your trip, you will naturally need to return to France early. You will then be forced to pay a new plane ticket.

If you buy travel insurance with repatriation assistance, some insurers offer early return so as not to add financial concerns to the penalty.

8. Because credit card insurance not always enough

Credit card insurance offers guarantees for your trips. Is that enough? Not always on the chosen card. High-end cards actually offer solid guarantees and a wide variety of covers. However, read the general terms and conditions to make sure that the support meets your expectations.

Sometimes the travel insurance of your bank card simply ensures the advance of fees, you will then have to pay it back. In other cases, it reimburses you, but does not make progress this time, sometimes difficult to pay substantial sums.

See also the compensation ceilings, they are sometimes a little weak compared to the need. For example, while Visa Premier, Visa Infinite, Mastercard Gold or Mastercard Platinium offer a travel cancellation guarantee up to €5,000, Allianz Travel reimburses up to $5,000 8 000 € per person. Take the time to correctly compare all the conditions to choose your travel insurance.

In partnership with Allianz Travel .