What does travel insurance cover?

Within travel insurance, there are several types of guarantees, which refer to health care and those related to cancellation. Normally, the application of all coverage is adjusted to a limit agreed between the parties in the signing of the policy.

Travel assistance coverage

The most common coverage in travel insurance are those related to assistance to the insured during the same. From help for medical problems to the theft of personal belongings.

Medical assistance

One of the main guarantees of this type of insurance is medical assistance. This provides coverage in the event that the insured falls ill or suffers an accident during his stay, either inside or outside his country of residence. In addition to guaranteeing medical, pharmacological, hospitalization and surgical expenses until the journey can be continued, health care goes further and can offer:

Displacement and accommodation of a companion of the insured in the event that the latter is hospitalized.
Prolongation of the stay as a result of an illness or accident.
Sending medication to the place where the insured is located.
Transfer or repatriation of the insured and his companion.
Transfer or repatriation in case of death.
Early return.
Management and coordination of assistance services.
Translation service.
Substitution of the insured for repatriation in the case of work trips.
In addition to these it is possible to find others such as the payment of expenses for loss of documentation or classes in the case of a study trip, for example.

Baggage coverage

Along with healthcare, loss or theft of luggage is the most contracted coverage. This guarantee gives the insured a monetary compensation in case he loses his luggage or his personal belongings, they are robbed or suffer damages during the transport, and also in the case that his delivery is delayed when they have been invoiced. The insurer advises the user to submit the complaint and collaborates in the location management in addition to taking care of sending it to the place of travel or the residence of the insured.

In the event that objects are not stolen or damaged during transit in public transport, some insurers guarantee compensation also when the theft takes place inside a hotel room or a vehicle.

Delays

Some insurers offer coverage for delay so that when the displacement is delayed due to reasons beyond the control of the insured, the insured can receive compensation for the purchase of basic necessities, the expenses of lodging and maintenance and the reimbursement of the expenses of the use of other means of transport.

Accident coverage

On the other hand, travel insurance may include accident guarantees to cover the insured in case of permanent disability or their relatives in case of death.

Legal defense

Another coverage is Civil Liability and Legal Defense outside of Spain. With it, the insured can receive telephone legal advice and have legal defense expenses covered as well as the advance of the judicial bond.

Cancellation of travel and insurance

Other coverage that may be of great use within travel insurance is the cancellation of the trip or cancellation. With it, the company allows the insured to cancel their holidays without cost, but as long as the cause is included in the general conditions of the policy they have signed. Among the medical reasons for which a trip can be annulled without cost are: illness, accidents or death of the insured or of some of their relatives; citations for a serious surgical intervention; transplants

But they also usually include labor causes within the guarantee, such as the incorporation to a new job, the dismissal or the call for competitions. Also when the insured is summoned to a polling station or to a judicial procedure, when a child is going to deliver him for adoption or if the one who annuls the trip is his companion and they are part of the same insurance.

Exclusions

These insurances, like many of Health, usually do not take care of the attention or incidents happened as a consequence of a per-existing disease unless it has a vital emergency character. Neither by pathological states produced by the ingestion of alcohol or other substances. Out of the coverage there are also the losses caused by the insured himself, such as the loss of luggage by himself or the theft, the cancellation by surgical interventions not urgent or by epidemics.

In addition, in the event that the transport company or service provider covers the problem of the trip, such as cancellation of a cruise or a flight, or accommodation expenses due to delay, the insurance of Via