How to get paid with his travel insurance?

When covering for a trip, it is important to know everything. Note on the terms and conditions for reimbursement of travel insurance

If you have signed a travel insurance, you can claim a refund under the guarantees of your contract. Sometimes even your insurance will realize the cost advance which could save you financially. Let's take a look at how your travel insurance will take care of you.

Reimbursement of medical expenses

When you leave abroad, you are not the shelter of getting sick. Your travel insurance will take care of you if the risk is well insured by your guarantees and if it is not the subject of an exclusion. Attention, however, must be given to the consultation of a doctor following an urgent and unforeseen health problem. Your travel insurance will not take care of you for a follow-up or consultation that does not seem important and does not endanger the continuation of your stay abroad.

Generally speaking, for consultation with a doctor abroad, you will need to make advance fees. According to countries, this amount will be more or less important, make sure to make a refund request as soon as possible.

Your travel insurance will ask you to keep any documents necessary to study your file. It can be:

• Payment evidence ;
• Orders ;
• Medical invoices ;
• Diagnostics.

The more complete your file, the faster the medical care will be. The refund will be made, according to the insurance company, by cheque or by transfer.

Refund in case of hospitalization

This time, the costs are much more substantial. This is why, during a hospitalization during a trip, insurance often offers an advance of costs. To do this, it is necessary to warn its insurance as soon as possible. Some ask that the insured person request a pre-hospitalization agreement 5 days before the hospitalization. This makes it possible to be certain that the costs of hospitalization or even surgery are handled.

However, of course, for emergency hospitalization, pre-application is not possible. It is then necessary to inform the insurer as soon as possible to expect a cost advance.

If this advance is not possible, then again you will need to provide all the information necessary for the insurance to study your request:

• Payment evidence ;
• Charges paid ;
• Diagnostics ;
• Operational records.

What reimbursement with the cancellation insurance?

Travel insurance offers many guarantees including Cancellation insurance . This allows you to obtain a refund of your flight ticket and accommodation. Naturally, this compensation can only be made under conditions.

If you suddenly decide that you don’t want to travel abroad, subscribing travel insurance with the cancellation guarantee will not suffice. In fact, this insurance allows to accompany travellers who, for a reason independent of their will, are no longer able to leave. Here are some examples of valid reasons for cancellation:

• Accident ;
• Disease ;
• Death of the insured or a member of his family ;
• Economic termination of the insured or his spouse ;
• Change of leave dates on the employer’s initiative ;
• Refusal of visa ;
• Flights of identity papers just before departure ;
• Sinistre sur le bien d’habitation de l’assuré ;
• Complication of pregnancy.

Attention: Not only is this list not exhaustive, but the scope of guarantees can vary greatly from insurer to insurer. It is important to read the general terms and conditions before subscribing travel insurance.

Baggage insurance: how to get paid?

Another guarantee of travel insurance that allows for a refund: baggage insurance. As part of a loss or flight, or even a deterioration of your baggage, this insurance allows for care.

Attention, however, Most insurers exclude certain properties like identity papers, bank cards, cheques and cash. Once again, it is the general conditions of your insurance company that are authentic.

If it is the airline that is Responsible the loss or degradation of your baggage is its civil liability . However, according to the selected insurer, you may be able to obtain a compensation supplement if it is not up to your expectations.

In this specific case, you will be required to provide the insurance company with all the items concerning the contents of your baggage and a document attesting to the compensation of the airline.

Refund of travel insurance for civil liability

Finally, civil liability insurance provides compensation to a third party. Let's imagine, for example, that you were going to St. Petersburg Hermitage Museum And you're overturning a statuette. Your civil liability guarantee compensates the museum. Let’s also imagine that you skate along the Pacific in Santa Monica and hit someone. If you hurt him, that third party will be compensated by your travel insurance.

Compare travel insurance to get the best refund

Chapka Insurance, Avi International, Axa, Global Assistance, Europ Assistance, each insurance offers its own conditions to which you will need to adapt.

It is very important, as we have already mentioned, to take the time to read the general conditions. Overall, the guarantees are few or produced the same. The difference will lie in these famous conditions. If you are looking for cheap insurance, it is important to check your care and make a comparison with equal benefits.

Compensation ceilings

This is one of the first elements to be taken into account in a comparison of travel insurance. In fact, saying that we are insured is one thing, benefiting from real compensation to meet its expectations is another. The amount of refund you can expect is clearly indicated in your contract. This is an important comparison base.

Exclusions of guarantees

Each insurance contract has exclusions. Again, this is an essential point. You must be certain that the maximum risk is covered for not having bad surprises.

Being covered for all risks is not possible. However, it is best to subscribe to the widest possible guarantee. The comparison allows this.

Deductibles

Who says travel insurance says franchise. While this does not apply to all refunds, it is common for a deductible to be applied. It is better to be aware of it from the subscription and be sure to choose a contract that is truly tailored to your needs.

For the record, the deductible is that amount that the insurance leaves to your expense. For example, if a franchise 150€ is applied for hospitalization abroad and costs 1 000€ , you will only be refunded 850€ .

The shortcomings

Another point to consider: deficiency. When you request an insurance quote, make sure that deficiencies are not applied. For example, in the event of hospitalization, your travel insurance may decide to compensate you only if your hospitalization lasts more than 3 days.

Refund during a trip: quid Credit card

With a Visa Premier or Mastercard Gold card, you receive travel insurance. Again, you can expect a refund in various guarantees. Specifically for:

• Medical expenses ;
• Hospitalization ;
• Travel cancellation ;
• Loss or theft of baggage ;
• Repatriation ;
• Civil liability ;
• Etc.

Once again, it is the guarantees of your bank card, the ceilings, deficiencies, franchises and exclusions that will make the quality of your travel insurance.

We can only advise you the utmost vigilance at the time of choice so that your stay takes place in the best conditions.

Now that you control the subject, you know that to get a refund on your travel insurance.

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