Go to a trip soon and take a travel insurance contract. These are the essential guarantees that this insurance must include.

Health guarantees

First, the first guarantee obviously refers to medical costs. Therefore, your contract must take care of emergencies, but also all the diseases that can occur daily. Therefore, this insurance must cover the costs of a general and specialist doctor, the pharmacy, the analysis, the radios, etc.

However, Any insurance contract contains exclusions And these must be clearly established in the information notice. For example, chronic diseases and diseases are not treated before the signing of the contract, as well as dental care (except in case of emergency or accident).

It may be good to remember here the definition of certain terms commonly used in travel insurance contracts:

Guarantee roof : It is for a disaster, the maximum sum that the company is responsible for taking over.

First euro : This means that the insurance company is the only insurer, and does not come in addition to Social Security.

Franchise : During a claim, this is the amount, whatever the amount of the invoice, which will never be reimbursed.

Deficiency : It is at the beginning of the contract, the duration during which health costs are not covered.

In case of a question, do not hesitate to communicate with your insurer. He is there to find out all the doubts he may have.

Assistance guarantees

Assistance guarantees are also essential guarantees. Here are the main ones:

Repatriation assistance : If you are sick or injured, after a guaranteed event, and if there is no medical infrastructure that can attend it, the insurance company organizes its repatriation. With the agreement of the company’s advice, this repatriation can be made to the nearest adapted hospital or to the hospital closest to you.

In case of death, the repatriation of the body is attended from the beer’s place, to the airport closest to your home.

Presence in case of hospitalization : If you are hospitalized for a period of more than six days, with a travel insurance contract such as Globe Traveler, the company takes care of a family member to go to bed at the hospital.

Premature return : If you have to interrupt your trip in case the death of a close family member, the company annuls its additional transport costs.

Legal assistance abroad : If it is prosecuted for involuntary crime to the legislation of the foreign country in which it stays, the company is responsible for up to € 3000, for example, by our Globe Partner, the rates of the representatives of the justice that it has ordered.

Civil liability

Civil liability is The obligation to take care of the damage caused to others through their failure. Obviously essential guarantee. Take an example: if when you water the flowers of your balcony, you drop a pot on the head of a lady passing through the sidewalk, this lady is likely to attack it in court if it is not well insured.

However, the guarantee offered is still a civil liability of civil life. In no case can a professional, rental or automotive civil liability supplant.

Other guarantees

Cancellation and luggage guarantees are also conventional but important guarantees.

The cancellation guarantee : This guarantee enters into force on the day of signing the contract and ends the day of your departure. If, for a reason included in the contract, you cannot make your trip, your travel expenses will be reimbursed, on the one hand, the travel agency that applies its refund according to a decreasing table and, on the other hand, the insurance company that will be up to 100% in addition to this first reimbursement.

The luggage guarantee : Your luggage and personal effects are guaranteed during your return flight, when they are under the responsibility of the transport company. This guarantee includes the flight, loss and total or partial destruction of luggage. This guarantee includes a roof to consult the guarantees table. Once again, the company’s refund occurs in addition to the refund made by the airline.

ACS offers his Globe Traveler contract for all his trips abroad. Excellent value for money, it will allow you to leave the free spirit of New Horizons.