Vacation .... Wonderful time. Of course, many people spend it at home, at the cottage or just leaving for nature. But no less a number of people want to spend it abroad. Someone wants to visit old Europe, someone is attracted by the picturesque beaches of the southern seas, and someone is attracted by a magnet exotic east. In any case, they prepare for the trip in advance, all counting and prepaying. It is not uncommon for the preparation for a desired journey to begin in a year. However, our life is very complicated and unpredictable. Plans can change literally at one point, and the trip can break. Naturally, this greatly upsets people. At the same time, a spoiled mood is not the only consequence of refusing to travel. Such an event entails material losses. Slightly sweeten the bitter pill of disappointment will succeed if you have purchased insurance against travel on tourpot. Most tour operators recommend signing an insurance against non-departure. Quite often they do it very aggressively. However, this is not necessary, and you are sure that nothing will prevent you from making a trip, you can not register it. However, in this case it is necessary to write a waiver of insurances against refusing to leave. Thus, the travel agency strives to protect itself in case you still can not go and claim it.
What is covered by the insurance against leaving home?
If, however, an unforeseen happened to you, and you could not go, the insurance company will reimburse you for the costs incurred. After the insurance contract is drawn up and all payments are made, the tourist in case of no departure has the right to refund the full cost of the tour and related costs.
When can I get insurance?
It is worth noting that not all cases fall under insurance. If you overslept your flight or could not call a taxi for a trip to the airport, then, of course, you will not receive insurance. The main reasons for obtaining compensation are:
- death of the insured or close relatives;
- sudden injury or illness of the insured person or close relatives, which entailed hospitalization. By the way, if you put a plaster and go home or you have a chronic ulcer, then there will be no insurance;
- if in the event of a natural cataclysm or criminal activity the property of the insured person will be damaged. In this case, this situation should thoroughly impede his departure;
- in the case of calling the insured to court as a defendant or plaintiff;
- call for service in the ranks of the armed forces;
- refusal to receive or untimely issuance of a visa. But only if all the necessary documents were submitted to the consulate on time.
Please note that the close relatives of the insured are: spouse, children, parents, siblings.
How to get insurance against refraining?
In order to receive insurance in one of the above cases, you need to collect the necessary documents to confirm the occurrence of the insured event. These include:
1. A statement indicating the tour, the date of departure and the reasons preventing it.
2. Insurance policy.
3. All checks confirming payment (visa, tickets, car rental, hotels).
4. A document that can confirm the occurrence of an insured event:
- not issuing a visa
- Passport , which is stamped with a refusal; - illness - certificate from the hospital;
- death is a death certificate;
- loss of property - protocols compiled by the police or other authorized bodies;
- court - summons, certified in court;
- call - a summons from the military enlistment office.
5. If necessary, a certificate confirming close kinship with the victim.
If all documents are collected, and the insurance policy is issued correctly, you will be able to receive compensation for travel abroad for insured against travel. Do you need insurance, decide for yourself.