How and when to take out travel insurance
Planning a trip entails more than just booking your accommodation and transport. It also involves taking certain precautions as far as health is concerned, especially in certain destinations. Below, we reveal all you need to know about how and when to take out travel insurance.
Travel insurance is essential when you need to travel far from home, enabling you to deal with any unforeseen circumstances that can make a holiday go pear-shaped. However, it isn’t just health concerns that we have to think about. There are all sorts of things that could arise, such as your flight being cancelled or your luggage getting lost. The comprehensive cover provided by an insurance policy when you’re travelling will give you the peace of mind and support you need to let you relax and enjoy your well-deserved break.
When should I take out travel insurance?
Even though you can take out travel insurance any time before you leave, whether that’s after making your booking or just before you set out on your trip, bear in mind that if you wait until the last moment, you usually wouldn’t be able to benefit from the trip cancellation cover.
When is it necessary to take out travel insurance?
It is always advisable to take out insurance so that you can travel with greater peace of mind. Nonetheless, there are certain situations in which it is more necessary.
- International travel. Depending on what kind of trip you have planned, it may be essential or even compulsory. Healthcare abroad is very different to what we enjoy in Spain. Even in other European countries, public healthcare treatment may entail co-payment fees. With travel insurance, you’ll be covered for any accidents or illnesses that occur within the duration of your policy.
- Long stays. The longer you stay away from home, the higher the likelihood that something unforeseen happens. Make the most of the things your policy covers you for to enjoy your trip to the full and remain worry-free.
How to choose the best travel insurance
If you are unsure about how to take out travel insurance, we delve into everything you need to take into consideration so that you can choose exactly what you need.
- Duration of the coverage. Make sure you take out an insurance policy that guarantees protection from the day you leave until the date you return. Only then will you be able to receive travel assistance if your baggage is lost or delayed or receive a refund for your medical expenses.
- Local information. Every destination is unique and being informed is key to travelling prepared. That’s why we suggest that before you leave, you find out all about recommended vaccinations, common illnesses in your place of travel, climate, etc. Only then will you be able to avoid any surprises on arrival. Also, other information such as contact telephone numbers and the address of the embassy or emergency services will help you act quickly in the event of an emergency. You can ask your insurer about these things.
- Policy holder’s state of health. Even though it is not medical insurance as such, these insurance policies include healthcare coverage to ensure you are fully protected when travelling. If you have a prior medical condition, you need to be aware that if you need medical attention for something you already have, this will not be covered as it is considered pre-existing.
As you can see, there are several aspects that you need to know about. But don’t worry, Adeslas travel insurance will give you the peace of mind you are seeking on all your trips. What’s more, our specialists will help you deal with any enquiries regarding taking out travel insurance.
Frequently asked questions
Taking out insurance for your trip is not compulsory, unless you are travelling to Cuba. However, you do need to be aware of the benefits of travel insurance, some of which we have already mentioned in this article. Bear in mind that, if you travel without insurance, you will need to pay for any expenses that arise due to an accident or injury and you also won’t be covered for any incidents that occur, such as a lost baggage, delayed baggage, or a missed flight due to delayed connecting flights, for example.
When you take out travel insurance with Adeslas, you will be covered for flights. This guarantees a refund if your plane is delayed or your flight is cancelled. If you do not have travel insurance, you will need to find out what you are entitled to, manage a complaint by yourself and deal with the airline.
Adeslas coverage for flights protects you from any incidents that may arise during your trip. If your baggage is lost, either partially or in full, or if it does not reach the destination country in time, you need only contact our customer service department to manage your compensation. The same is true if your flight is cancelled or delayed. Also, if you need to make a stop-over in another airport and you do not get there in time, we also deal with that for you. Lastly, whether you are travelling with your family or alone, if one of your family members, your partner or you yourself has an accident or becomes seriously ill, Adeslas will take charge of helping you to get home early so that you can be with your loved ones.