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Travel Insurance Step-by-Step In 2019

Travel Insurance

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It is better to be wise before the damage than to have big problems. Everything you need to know about travel insurance.
Supposedly, travelers are divided into those who always insured themselves and those who … will be buying insurance after the first major accident that will happen to them. Is it really worth having a policy before leaving? What does it involve? What does it protect the possession of tourist insurance from? We will try to answer the most important questions.

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What is Travel Insurance?

To put it briefly: your insurance policy, guaranteeing a peaceful journey. This is really a great comfort – the awareness that in case of unexpected health problems (which, of course, we do not wish anyone) we will not be condemned only to ourselves.

Do I really need a policy?

Answer the question: are you sure that nothing will happen during your dream trip? The disease does not choose: it can be caught while visiting Barcelona, ​​Brussels, but also during the exploration of Buddhury in Burundi in Africa.

Not just speech sickness – an unfortunate accident can happen to any traveler. Not to mention that you can be the perpetrator of someone’s misfortune: you will be hurting someone or destroying something. Without a tourist policy with third party liability insurance, you can have a lot of trouble.

Okay, but we’re just talking about health and accidents?

No, tourism policy is a big topic. It is not limited only to the costs of medical treatment and transport. They can also include assistance (maybe you will be forced to use the lawyer’s needs, for example)?

We are also talking about insuring your luggage, or even linguistic help if you do not know the local language well, and the situation requires you to use the services of an interpreter. Loss of documents is also not something that happens only sporadically.

But is it really necessary? Maybe Travel Insurance is just an unnecessary expense?

Rate yourself. People more and more often decide to buy tourist insurance. Blue Media research from last year shows that nearly half of our compatriots decide to secure their departure.

Okay, I want to buy travel insurance. How can I do this?

There are many roads and many insurance companies. You can do it online, you can traditionally. There are companies operating on the market offering various insurance packages as well as comparing individual offers. This is a great option because you can have a full overview of many options, packages, prices.

Everything is a matter of matching your needs. After all, you know where you want to go and what you want to protect yourself from.


Do I have to do this at the planning stage of the trip? Can I wait with the purchase of insurance until the last minute?

Travelers like to insure themselves on “last minute” 58 percent. our compatriots do it 2-7 days before departure, 12 percent. within 8-14 days before the planned trip. There are those who are looking for insurance even a day before their departure – doing so close to 8 percent. 

What if I wanted to insure myself on the day of the trip?

You can do it. And you will not be the only person who acts like that – 0.5 percent. Blue Media respondents admitted that insurance is practically the last thing they buy just before leaving. We often remember about it when we are already packed and ready to travel.

However, we recommend as a not to hesitate to do it for the last second.

Super, I buy the insurance and I do not care anymore?

No, it’s not that easy. The tourist policy does not protect against everything. Each policy (regardless of when and where you buy it) has a number of reservations. What are they? These are situations that are not covered by the policy – if they occur, you will not receive money from the insurer, you will not be able to count on his help.

Are these some terrible restrictions?

Not completely. As a rule, the policy will not cover the costs of your treatment if you have an accident when you were under the influence of drugs or alcohol. Similarly, if it concerns a chronic disease (although not entirely, we will return to it in a moment).

If you are going to countries in Africa or Asia, where mandatory vaccinations are required – and you will not do them before you leave – then if you get sick, the vaccine against which the vaccination was supposed to protect you, the policy will not help you. Similarly with countries where various epidemics are going on, or there is a war going on (and you, despite the recommendations of the Ministry of Foreign Affairs, have just chosen it there).

Most extreme sports are also excluded from such policies – they require special insurance, which is … well … more expensive.

You see, I do sports, I go skiing, I dive, I walk in the mountains. Is it also extreme sports?

Most insurers do. Remember that walking in the mountains can be classified as just such a sport. If (knock) you would have an accident in the Tatra Mountains – you will help Tatra Volunteer Rescue Service without asking if you have a policy. But the same situation on the Slovak side of the Tatras will result in a salty bill to pay if you do not have special insurance.

It is worth reading the T & Cs (general terms and Conditions) very carefully for this type of trips. One of our readers Had an unfortunate accident 3 months ago in Greenland. And despite having insurance, he had solid problems – because his trip was qualified by the insurer completely different than what covered the policy.

In the mountains, I need a dedicated policy?

It is important that the terms of your insurance cover the costs of rescue and search.

And what about cycling?

This can also sometimes be pulled up for an extreme sport. Here, the individual offers are very different. You must check it out at the policy selection stage.

I am planning another trip, regular vacation, no extreme sports there. Maybe I do not have to insure myself?

Do you realize that an ambulance call can cost an uninsured person up to € 625? A day in a hospital is a cost that can exceed € 2,500? We are talking here about really large amounts. You do not believe?

Air transport from Austria (let’s say you had an accident on the slope and you need to be brought to your country hospital) is almost € 4,500. Did something happen to you in Greece and you have to be transported to Country in a lying position assisted by a doctor? Prepare your wallet for the expense of  € 10,000! Are you sure you want to risk? Well, it’s your choice … qualified completely differently than what the policy covered.

You mentioned something about chronic diseases …

Yes, this is an important matter. If you regularly take medication, you have asthma, you have cancer, you are diabetic (or you have been diagnosed with any other chronic illness and you are under the constant care of a doctor), you can also get insured. Unfortunately, as a rule, such travel insurance will be more expensive than “normal” – and the insurer himself may ask for insight into your medical records.

For what? To see if for sure what you said about your illness and your state of health is consistent with the actual state.

A colleague mentioned that he has an EHIC card and that’s enough for him when traveling all over Europe …

Bring your colleague out of error. The European Health Insurance Card (which you can get from the Health Board) only includes benefits that you could get free of charge in your country. In addition, we are not talking here about the whole of Europe, but about the European Union, plus Iceland, Liechtenstein, Norway and Switzerland.

Please, do not mistake this for travel insurance. EHIC works completely differently. If you have a problem, as a result of which you will have to go to a doctor in Portugal or Greece (and then buy medicines) – you pay it all out of your own pocket! Only after returning you can apply for a refund of these costs. The same applies to hospital stays and complicated procedures.

Let’s put it directly: the EHIC really comes down to access to public health services in the EU and EFTA countries. Forget about the reimbursement of a specialist or research visit.

It is worth remembering that the EHIC will not cover the medical transport costs, which we mentioned a moment ago, presenting high amounts …


You mentioned civil liability. What is going on?

Yes, it’s your safety cushion in case something is wrong with someone. What to do then, having purchased CL as part of your tourist policy? The operation is simple: you give the injured contact to your insurer. And he will continue to work by solving the case.

And what is the difference between a travel policy covering a trip to the Czech Republic and, for example, a trip to Namibia?

Well, mainly the price. Insurance companies calculate the rate you will have to pay based on many factors. One of them is the length of stay, the other is the level of safety and access to medical care in a given country (and the costs of obtaining such assistance).

The sum to which the insurer will cover the costs of treatment has a significant impact on the cost of the policy.

I fly a lot, probably just like you. Are canceled flights also included in the scope of such a tourist policy?

It depends. Some companies have the option of buying an option regarding such events (generally, this is insurance against resignation or interruption of participation in a tourist event or cancellation of an airline ticket).


What is worth remembering about insurance?

It is always and absolutely necessary to read the General Terms and Conditions (general conditions of insurance). It is worth finding out about all the details that interest us. It should also be remembered that each insurance has a specified upper amount to which it applies (for example, treatment costs per person up to  € 40,000).

And how do I go on a trip with a travel agency, which offers only standard insurance (basic scope)?

Consider, however, not to buy extended insurance at a travel agency or a specialized company. We will quote a story that happened to a tourist from Poland, who 2 years ago rested in Mexico on a trip organized by one of the leading Polish travel agencies. The tourist got a stroke just before he returned. A week spent in a Mexican hospital and a return to Poland cost … 200 thousand €. The broken family of a Polish tourist heard that the costs are reasonably calculated.

Representatives of the travel agency informed that additional insurance (extended scope), for purchase of which every client is being urged, would cost € 60 before leaving. The tourist did not decide to buy it.

Writing bluntly: the standard insurance of tour operators is usually poor. Low amounts of money (for example, protection of up to EUR 10-15 thousand in treatment costs). Is this a lot? All you need is a “serious” problem – and you’ll have to pay the rest of your pocket money.

The price is influenced by many factors.

Well, how much should it cost good insurance?

Good Insurance will cost you around € 40-50 and You will buy peace of mind for yourself and family.


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