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Mit der Reiseversicherung sicher in den Urlaub, Bild: 3rdtimeluckystudio / shutterstock

Take out travel insurance: Why is it recommended and what should you look out for?

Purchasing travel insurance is one of the most important steps before departure – but many travelers hardly think about it and may think it’s an unnecessary expense. In reality, having travel insurance can be invaluable when things don’t go as planned. Without the right insurance coverage, you may end up with expensive medical bills or other unexpected losses due to cancelled flights or lost luggage. A good policy will protect you from these risks and ensure that your trip goes smoothly even if something unexpected happens. In this article, you will learn why comprehensive travel insurance is recommended and what you should look out for when looking for the best insurance cover.

What travel insurance is and what it covers

Travel insurance is invaluable when going on holiday, as it provides essential financial and logistical support at both the point of departure and arrival. However, there are various travel insurance policies to choose from. The three most important are travel health, travel cancellation and luggage insurance.

These types of insurance offer a wide range of benefits, including assistance in the event of illness or accident, coverage of repatriation costs, useful information about medical care at the destination, and reimbursement of unused tickets or costs due to cancellations and delays. With so many resources at your disposal, there’s no reason why you shouldn’t invest in high-quality travel insurance to ensure a stress-free vacation !

The advantages of travel insurance

Travel insurance offers financial protection against unexpected costs if, for example, you are affected by flight cancellations, loss of luggage or medical emergencies abroad. This is not only easy on your wallet, but also gives you an important feeling of security – especially when traveling to non-European countries. Travel insurance is flexible and customizable, so you can tailor coverage to the specific needs of your trip. In addition, depending on the tariff, you can take advantage of additional services such as evacuation assistance and a 24/7 emergency service. For those who value their trips abroad, investing in travel insurance is the best way to travel with the peace of mind that they are adequately covered in the event of an emergency.

How to cancel travel insurance

After you have finished your holiday, it may of course be that the insurance is no longer needed. Cancelling travel insurance doesn’t have to be difficult, especially because it’s an annual insurance policy. You should find out when the contract actually started so that you know when you can cancel it at the end of the insurance year. In most cases, a written notice of termination with a notice period of one month (or another contractually stipulated period) is sufficient to terminate the contract. This way, you don’t have to worry about additional payments and can focus on your next trip instead!

What you should look out for when taking out travel insurance

When taking out travel insurance, it is important to pay attention to the details. First, ask yourself what benefits you would like to have included in a travel protection policy. Do you need insurance cover for medical or health expenses? What about delayed or cancelled flights? You want to make sure you’re getting the best value for your money, so you should carefully compare different plans and offers. Familiarize yourself with the terms and conditions of each policy before making a decision, as these can have a significant impact on what is covered and what is not. It’s important that you take your time when looking for travel insurance, because you want to be sure that your insurance offers the protection you want!

How to make a claim with your travel insurance

Submitting a claim form is the first step in making a claim through travel insurance. Be sure to read the insurance policy beforehand and check whether you are entitled to the insurance cover. In addition to the documents associated with filing the claim, for example, in the event of trip cancellation or interruption, a cancellation invoice, a travel booking confirmation and a copy of the insurance policy must usually be presented in order to process the claim. Depending on the type of event to be insured, additional documents such as an employment contract, a medical certificate or a death certificate may be required. Once all documentation has been submitted and accepted, insurers typically have teams in place to ensure that applications are processed quickly so that customers receive their reimbursements faster.

Conclusion: Better inform yourself about your existing insurance cover before you travel

All in all, it’s much better to have travel insurance than to face unexpected health complications or financial losses abroad. Whether you’re going on a trip in the EU, just a short city break or a long holiday in a non-European country, proper travel insurance will ensure that you can enjoy your trip without any worries. So, take your time looking for an insurer, compare rates and benefits carefully, and get the best coverage depending on your budget and needs.