You have decided to go to the roads of the world, back bag … What an adventure! But before the great departure, some administrative procedures are necessary, such as travel insurance. It is certainly not the most stimulating part of the preparations, but it is essential! Then, to be a very sure backpack and take advantage of his trip with a light spirit, these are the most important covers and the points to pay attention when choosing his travel insurance.
Medical rates
Obviously, the most important travel insurance guarantee for a backpack is The management of their health costs abroad. Your insurance must cover it for Medical emergencies, but also for non -urgent careas consultation with the doctor for a cold or flu or the purchase of medication medications in a prescription of a doctor. Remember to verify this point!
In most cases, it will depend on you to advance in your health costs and then make a request for reimbursement of your insurance. However, in some cases, It is possible to request direct managementthat prevents you from paying your attention in your pocket. So remember to find out the conditions to request support. With the Globe Traveler contract, for example, a request for attention is opened in case of hospitalization of more than 24 hours. If you stay in the emergency room for a few hours, this does not count as hospitalization and does not allow direct management. Therefore, you will have to pay for your attention and then request a refund.
To be a very safe backpack, it is important to verify The roof of your travel insurance! In fact, travel insurance contracts have a maximum amount of support for their costs (150,000 euros for Globe Partner, up to 500,000 euros for Globe Traveler, for example). This roof must be high enough to meet your needs. A certain particular attention may also be subject to a lower roof, this is the case, for example, for dental care in most offers. Avoid unpleasant surprises and ask top river!
Finally, a very important point (or even the most important) and Carefully read the general conditions of the contract, particularly exclusions. Yes, it is not the most fun activity in the preparation of your trip, but it is essential! All insurance contracts have exclusions, that is, care that they do not care. It is up to you to read it before traveling, you can avoid very unpleasant surprises! For example, most travel insurance do not support the conditions before the subscription to the contract, such as long -term diseases. If you have a pre -existing medical condition, do not hesitate to talk about it with your insurer to advise you about the most appropriate solution.
Repatriation assistance
Travel insurance for a backpack is also there to deal with very large seeds. We do not like to think about it, but it can happen: a disease that cannot be treated abroad or a serious accident that ends its trip, see worse, a death. In this type of case, Travel insurance supports its repatriation in your country of originAnd it can be very reassuring both for you and your family, which is far from you. A repatriation can take several forms, from the simple plane ticket to the economic class to the dedicated health plane, as necessary and its health status. The cost of this emergency trip can reach heights: several tens of thousands of euros, so it is better to have safe!
Therefore, repatriation assistance is essential for any backpacker, and must appear absolutely in the travel insurance contract you have chosen.
Other assistance guarantees
Repatriation assistance is not the only assistance guarantee that includes your travel insurance for the backpack. There are other less important but useful guarantees in difficult situations.
If your health requires that it be hospitalized for several days and only abroad, your insurance can Pay the trip to a family member to stay next to their bed. The number of hospitalization days, nighttime nights, as well as the total amount of this guarantee, differs according to offers.
Another guarantee is compatible His return to his country of origin in the case of the death of a close relative. Keep in mind that the definition of the nearby family depends on the contracts, as well as the return conditions. So remember to look at this clause.
Finally, another very useful assistance guarantee when he likes adventure is The guarantee of “research costs”, in case it is lost in the sea or in the mountains. Insurance then supports your investigation to the amount indicated in the guarantee table.
Therefore, these assistance guarantees are very useful in the case of a fault abroad, it is interesting to see the details of their guarantees and ask your insurer to avoid unpleasant surprises!
Responsibility
The third pillar of any travel insurance contract is, of course, the guarantee of civil liability.
Civil liability intervenes in case it causes material or body damage to a third party involuntarily. Repairs can quantify very quickly, this guarantee must cover it with a roof much higher than that of medical costs. To learn everything about civil liability, see our information sheet and advice.
Be careful, remember to verify well The nature of civil liability attended. Does your contract also deal with car accidents, home or accident damage as part of your work? So many questions to ask yourself before signing!
In the same category, you will also find Guarantees of legal assistance (payment of lawyer fees) and advances in criminal deposit.
Therefore, it has an overview of the essential covers for a good travel insurance contract. However, it can go a little further by subscribing to some additional options.
Other useful travel insurance guarantees for Ruard
Cancellation
One trip to the other end of the world represents a certain budget. If you want to decorate any eventuality, you can get a cancellation option. If your trip does not materialize for a careful reason, it will be reimbursed to the guarantee table, deduction of a deductible.
Find out the optional cancellation guarantee in our travel insurance contract for multiple and customizable balloon travelers.
Here are the guarantees of being a very sure backpack! If your contract presents these covers with adequate services that meet your needs, you have found the guarantee you need!
