Fly safely with travel insurance and buy online

Climatic catastrophes, medical emergencies and terrorist attacks are concerns that have affected the decisions of travelers, making headlines by deeply affecting the world of travel and, by extension, that of insurance. Travelers today are aware that being well-insured can offer the security of having a successful vacation. Many would-be travelers have mounds of questions about insurance and are looking for answers that are relevant to the new travel environment.

The insurers today have really adapted their products and are trying to offer new services. Now there are more types of insurance matching individual needs. Still, it’s important to know how to find the right policy and also how to take the initiative.

That’s why we’re offering to help you see a little more clearly into the nebula of policies and types of travel insurance Which travel insurance policies are adapted to your needs? What do they really cover? What coverage do you currently have that you aren’t aware of?

Various levels of insurance exist. Repatriation insurance represents the minimum generally included in the packages suggested by Tour-Operators (TO). The multi-risks level offers the following types of coverage: cancellation, luggage, and death benefits. The comprehensive insurance, the highest level, also covers climatic risks, terrorists, and more.

Regarding health insurance, it is recommended that you provide yourself with a European health insurance card before leaving or purchase private insurance for destinations outside the UE.

Different Types of Travel Insurance

Cancellation Insurance

Cancellation Insurance allows for the compensation of the expenses invoiced by the travel agency in the event of a cancellation. With this type of coverage, all or part of the travel expenses are reimbursed depending on the date of cancellation. In general, the countdown begins 30 days before the departure for hotel or flight reservations and 60 days for cruises. Therefore, it’s important that you carefully read the conditions of cancellation before purchasing a travel package.

Repatriation Assistance

Repatriation Assistance and reimbursement of medical expenses are essential types of coverage. In the event of accident, hospitalization or disease during a stay abroad, it’s imperative that you are covered for these types of expenses. The destination and the purpose of the trip are factors for consideration. If you buy a tour operator’s package, the price usually includes basic coverage for repatriation assistance. It also covers the repatriation of the body in the event of a death.

Multi-Risk Insurance

Concerning the other risks that you may encounter while travelling, when an airline is liable it can sometimes be difficult to receive compensation. Therefore, with a multi-risk level of insurance policy, the insurer will compensate you and seek recourse from the airline.

In order to complement the basic coverage, the travel agencies thus offer packages of multi-risk insurance that provide additional coverage:

Loss, Flight, Deterioration, and Delay of Luggages: Compensation for damage to the insured luggage during travel.

Interruption of stay: Partial Refunding of stay at prorata temporis in case of repatriation in France.

Civil Responsibility of the Traveller: DeCoverage for material and bodily damages that the policy-holder may cause during travel.

Repatriation Assistance and reimbursed Medical Expenses: Coverage of intervention for a medical problem, family, legal or practical occurring during the trip of the policy-holder.

Flight delay: Offers a refund in a lump sum in case of a flight delay of more than two, four or six hours.

The multi-risks +

Some Tours Operators and travel agencies trying to distinguish themselves from the competition add surplus coverage to the insurance package:

Cancellation Anything But / All Causes: Coverage for cancellation before the departure due to a specified event.

Attack Coverage: For the cancelling of a trip due to a degraded political situation at the destination.