What are the different types of travel insurance?

You go on vacation, but you don’t know the different types of travel insurance? Wanderlix is pointing to you!

To date, there are three types of travel insurance: independent insurance from an insurance company, insurance offered by a travel agency and credit card insurance. Then, this travel insurance will go into guarantees. Let’s make a point to help you make the right choice and be sure to be perfectly insured during your stay abroad.

Provide travel insurance with an insurer

Most travellers contact their insurance company or make an online comparison of travel insurance to find the best guarantees. This solution is ideal because it allows you to compare the covers and the rates offered to find the best value for money.

If, in general, travel insurance is not mandatory, it may be essential. This must be chosen with the utmost care. This means that its guarantees must be consistent with your stay abroad. Needless to subscribe to an extreme sports guarantee if you intend to visit Moscow museums.

Find specific travel insurances such as Chapka Insurance, Global Assistance (Allianz Travel), Europ Assistance or ACS, or more general insurance such as Axa.

What is the insurance of a travel agency?

Second option: subscribe to the insurance offered by your travel agency. When you contact a travel professional, it is quite entitled to offer you travel insurance. The question is what guarantees are offered and how personalization is possible.

Like vehicle rentals, the proposed basic coverage is sometimes too low and totally inappropriate for risk and expenditure. We can only invite you to consult the general terms and conditions of this travel insurance to know the exact guarantees, the compensation ceilings, exclusions and possible deficiencies. A contract that's too soft could hide too weak support.

Credit card travel insurance: is that enough?

The third solution to subscribing travel insurance is to take a Credit card high-end. You must a minima choose the Visa Premier card or the Mastercard Gold to get travel insurance. But be careful once again: consider checking the guarantees. This time, no card insurance, the guarantees are imposed under the general conditions related to your bank card. You do not have the ability to adapt your coverage to your need.

See these general conditions to ensure that all risks are well covered. Please also ensure that compensation caps are in line with your needs. A hospitalization in New York will not have the same price as in Bali. The cost of repatriation of Morocco will be lower than repatriation of Morocco Australia or southern Argentina.

Another important point: Are your bank card travel insurance coverage throughout your trip? What will it be if you plan to make a world tour For a year?

Different types of travel insurance guarantees

When referring to the different types of travel insurance, we also think of the various guarantees that it is possible to subscribe. There are, in fact, basic guarantees and optional guarantees that have nothing superfluous. Let’s take a look at the proposed covers to help you make the right choice according to your journey and your needs.

Health insurance

This is the essential guarantee when you purchase travel insurance. It is she who provides medical care, who compensates you in the event of hospitalization and surgery. It avoids you making a cost advance sometimes too substantial for your budget.

This is also the cover that reimburses your medicines if you have to go to the pharmacy. Depending on the nature of your guarantees and the limits of your insurance, you can also be supported for laboratory tests.

Repatriation assistance

This assistance travels abroad is also essential. Depending on the nature of your insurance and the guarantees you subscribe, you will be able to be taken care of as part of a medical repatriation. If your state of health justifies it, health repatriation allows you to return to France in order to be treated at home.

Repatriation assistance can also be activated as part of an early return justified by the death of a loved one in France. Again, the insurer is responsible for your flight ticket. Conversely, certain repatriation guarantees allow one of your loved ones in France to come and support you during your trip if you are hospitalized. This can take into account the return ticket as well as a overnight package at the hospital.

Cancellation insurance

Compare the different types of travel insurance, it is also making the choice of guarantees that could serve you even before you have set foot on the tarmac.

L’ Cancellation insurance allows you to be refunded money if you cannot leave. Of course, it is not a simple desire to give up the trip, you must be able to justify this cancellation to the insurance company.

Cancellation insurance allows you to be reimbursed for your flight and accommodation (in hotels), in the following cases in general:

• Serious illness or accident ;
• Economic dismissal ;
• Destruction of private premises for professionals ;
• Work placement or new job ;
• Change or deletion of leave at the employer’s initiative.

Naturally, as with all guarantees, ensure that you study the risks covered and exclusions.

Luggage insurance

This insurance is not always included automatically in travel insurance. Yet it can be very useful at the other end of the world. In case of flight or loss of baggage, this cover allows you to be compensated and thus to obtain a refund for your lost or stolen items.

Attention: make a comparison of insurance companies’ offers. On the one hand, you must choose your guarantee according to the refund cap. On the other hand, see the specific conditions. Some items will not be taken into account, even if they were in your baggage. Also note that cash is not generally taken into account either. Better keep it on you.

Civil liability insurance

This guarantee is often included in travel insurance. This time, you are covered if however you are responsible for a loss. This may be damage to an object or injury. Of course, this disaster must be quite accidental.

If you are given an object and you damage it, if you hurt someone, the third party will be compensated by your travel insurance.

The legal protection guarantee

Another guarantee of travel insurance that is not always included, but that may be indispensable. Legal assistance applies if you are prosecuted during your trip and have not committed intentional misconduct. Your insurance is at your side to settle or advance your bail and take charge of your legal fees. This assistance can also help you in your efforts and lift the language barrier.

Of course, once again, make sure to compare the insurances to find suitable ceilings.

Sports insurance

Finally, among the different types of travel insurance and guarantees, we refer to sports insurance. The practice of a sport abroad can be an accident. Whether you enjoy surfing, mountaineering or skiing, your insurance can take care of you according to the guarantees you subscribed.

For this guarantee, exclusions can be numerous. Extreme sports are not rare because of the too large risk of accidents. Parachute or any other air sport, if you want to experience such an experience, make sure you are well covered by your travel insurance.

How to compare different types of travel insurance?

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It’s very simple, you just have to go to a travel insurance comparator and study the different possibilities that are offered to you. Then, request a quote from the various insurers.

The goal is to find the best travel insurance for you and your loved ones. This guarantee must match your real needs according to the nature of your trip, duration and destination. It must also adapt to your budget.

In order to make an effective comparison, you must study prices, but also and especially the proposed guarantees and conditions (demnification ceilings, franchises exclusions and shortcomings). Some cheap insurance offers low guarantees that will leave you a burden too large, it has little interest.

You must find a travel insurance that can take you financially to limit your expenses on site and allow you to keep your budget to enjoy yourself during your stay.

Now that you know the different types of travel insurance, you can make your choice. So, what travel insurance will you choose?