Something happens to me on a trip: what if I don’t have insurance?

Are you on a trip and an unforeseen come to complicate the task? Here are some tips if you have not subscribed to travel insurance.

Certainly, most of the time, travel insurance is not mandatory. Certainly, not subscribing it allows for savings. It is true... if you do not encounter any problems during your trip. This is all the problem with insurance. We find it cost too much, until we need it. You decided to play Russian roulette and leave without being assured. Here's what you risk.

Travel insurance: is it mandatory?

No, travel insurance is not mandatory unless you leave China Cuba, Cuba Russia and Algeria . For all other destinations, nothing requires you to make sure. Is it so superfluous to make sure? Through this guide, you will see that no, on the contrary.

Medical problem during my trip: how to manage?

When you buy your ticket and book your accommodations, you are certainly in full shape. Will he do that all the time? Nothing or no one can predict it. You have the taste of risk and refused to subscribe to travel insurance? What happens if you get sick at the other end of the world?

A flu in Mexico, a gastroenteritis in India, a raging of teeth in Australia , an important drop in tension United States Anything can happen. This is not about having a negative, but realistic mind.

Perhaps you don’t know, but France is one of the countries that offers the lowest health prices. At home, consult a general practitioner 25€ as long as it is agreed in sector 1. In the United States, do not count less $80 . If you are sick and are forced to go to the doctor, it will cost you dearly, and you will begin to regret not having subscribed travel insurance.

Certainly, for an urgent and unforeseen consultation, you can, upon your return to France, complete the cerfa form no.12267*04 "Fundings received abroad" by joining your paid invoice and proof of payment. However, the Health Insurance will reimburse you according to the French scales. The difference is huge.

I must be hospitalized abroad: what to do?

This time, the problem is even more important without travel insurance. In case of hospitalization, you will have to pay. However, prices are sometimes excessive. And, even if they are not, are you sure that you can take them without spoiling your trip. ♪ Thailand , a hospital room can cost up to 500€ per night. To this, you will need to add exams if you are sick. Without insurance, you have no support, no coverage, you must assume financially.

How do I do if I don't speak the language of the country I live in?

In case of illness or hospitalization, you will have to explain to the doctor what you suffer. Without insurance, you're gonna have to take care of yourself. However, there is a solution: contact the French consulate in the country of your holidays. He can give you a list of French speaking doctors and advise you of hospitals. Of course, health care will not be taken care of, but you will be able to minimize yourself.

I have a serious accident during my trip abroad: how to do it?

This time it is even more serious, both financially and humanly. Your holidays are ruined and you have to go back to France? Without travel insurance, it is up to you to organize your return. Again, it is to the consulate that you have to turn to get help. Health repatriation will be your responsibility, but members of the consulate will be able to help you make the necessary steps to return to France and benefit from the necessary care.

What to do in case of death abroad without travel insurance?

Of course, it is always difficult to imagine the worst. Despite everything, it's better to prevent than cure. If you still don’t want to subscribe to travel insurance, you should know that in the event of death the consulate will be alerted. It will help your loved ones to take legal steps and guide them on repatriation procedures. Beyond the sadness of your death, your family will have to take on sometimes heavy steps. But that’s not all. Without repatriation assistance, she will have to assume financially your return to France. Do you really want to impose this on them? Nothing is less certain.

I lost my luggage abroad: to whom to turn?

Once again, without insurance, you have no privileged contact. In case of loss or theft of baggage, your insurer could have accompanied you to carry out the necessary steps.

Alone, you're gonna have to manage and find answers to your questions. If your luggage contained your papers , contact the consulate to notify them, an emergency number is at your disposal. You can get an emergency passport to continue your trip.

If you lose your Credit card , opposition to your bank. If your luggage also contained your portable , call your operator to block the phone.

If you are a victim of a flight , contact local law enforcement agencies to file a complaint.

I am lost in the middle of nature: how to find a solution?

One of the travel insurance guarantees is the search and rescue guarantee. So, if you’re going on a hike or climbing and you’re no longer able to go home alone, a simple call to your insurance will start the search and rescue process.

If you are not insured this time, you will have to contact local police to tell him you're lost and you can't go home alone. She will organize the steps to find you. Now, as you can imagine, it has a cost. And this cost is you who will assume it.

What to do in case of foreign assault?

If, during your stay abroad, you are the victim of an assault, here is what you must do:

• Contact a doctor if necessary ;
• Declare this attack to the security forces ;
• Contact the consulate.

In case of sexual assault , emergency contact The consulate which will explain the way forward. Quickly visit a doctor to see the rape and take steps in the event of possible transmission of sexually transmitted disease. Of course, file a complaint with local law enforcement agencies.

What to do in cases of violation of local legislation?

If you have a travel insurance, you receive legal protection insurance. This will be very useful to assist you and lift the language barrier. Without insurance, it will be more difficult to get out of a complex situation. Of course, no one is supposed to ignore the law. However, foreign rules are different from ours, any traveller can make an error and involuntary violation of local law.

In the event of an incarceration and a request for a criminal bail, you will have to take your bail alone. You may also need to take a lawyer at your own expense. If you don’t know how to proceed again, don’t hesitate to turn to the consulate which will be a valuable help in this difficult moment.

Travel insurance: financial and human security for you and your loved ones

You will have understood, travel insurance is required in many situations. If you subscribe to multi-risk insurance, you will be able to receive compensation for various claims.

With this insurance here are the guarantees you can claim:

• Medical care ;
• Support for hospitalization ;
• Medical repatriation assistance or if you lose a loved one in France ;
• Research and rescue insurance ;
• Sports insurancesee extreme sports;
• Legal assistance ;
• Flight insurance or baggage loss ;
• Civil liability insurance.

By being insured, you can at any time contact your insurance. Not only will this offer you real support, but financial support will be a real relief for you.

I didn’t take travel insurance because it’s too expensive

Of course, travel insurance has a cost. But you were able to see it through this guide, the risk is much greater financially in case of problems abroad. See this insurance as an investment rather than an expenditure.

On the other hand, by making a comparison of travel insurance, you will see that it is possible to save. Each insurer freely fixes its rates and conditions. You compare the offers to get the best value for money.

Something happens to me abroad: can my bank card help me?

You did not subscribe to travel insurance thinking that your Credit card Could you help? This may be the case, but nothing is certain.

On the one hand, make sure your trip has been paid well with your card. Then you need to make sure that this is a high-end card such as Visa Premier or Mastercard Gold card.

Then it is the general terms and conditions that make faith. Thus, they determine whether or not your situation is supported and that set the compensation ceilings. Better check this before leaving.

You now know why to subscribe travel insurance is important. If this can appear as an optional expenditure, it is actually a true prudent move.