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Basic tips When hiring your travel insurance.
Travel insurance is still one of the great absentees in the suitcase of the world's citizens. Almost half of international travelers have never hired travel insurance, only 12.72% declare hiring a travel policy on a regular basis when booking their vacation.
Ignorance of the advantages of this product or the varied coverages that may be included may be some of the reasons for your non-hiring. Now, before you sign up for an insurance policy of these characteristics it is important to have certain things clear to make the product wrong.
Don't miss a lot of time!
Travel insurance you have to hire before the trip begins. Once started no company will sell you one of these insurance policies. Each company sets the deadline on which you can hire certain coverages. Thus, the cancellation of travel must be hired between 24 and 72 hours before the start of the trip while the medical assistance could be signed on the same day.
Check the medical expenses limit
One of the coverages you have to set when choosing a travel insurance is in the medical expenses. The maximum amount covered is a factor that can make the policy more expensive because it is not the same to have a coverage of $2,000 that of $1 million.
Broadening the coverage limit for medical expenses depends on the country you travel to. For example, the United States has no public health, so it is recommended that insurance coverage and medical expenses be as high as possible.
Fits the insurance to your traveler profile
There are different types of travel insurance that adapt to the different traveler's profiles. If you are only going to make a trip a year you should not hire the same as or if you are going to do several. It is also not the same to go on vacation to travel for business or studies. Depending on the type of trip you are going to make or its duration the insurance that best suits you is not always the same. Make sure you hire the right one!
Care when practicing risky sports
The reason for many trips is often, for some, the practice of extreme sports. As is often the case in most life or health insurance, accidents arising from the performance of these activities are out of range.
In these cases it is best to also hire an adventure insurance policy or extreme sports that has coverage such as location and rescue or rehabilitation.
Avoid duplicating coverage
It is very important that before you hire travel insurance you check the coverages that include other policies such as health or accidents. On many occasions, insurance offers coverage outside the borders.
Yes, look at the limitations because, in the case of health insurance with foreign assistance the maximum economic limit is usually $10,000 and when the displacement is not greater than 90 days.
