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Many perceive the travel insurance, as "punishment", a kind of - "load" to the voucher. However, it is not so: correctly chosen, it will help you avoid many troubles.

How to find "their" policy.

Insurance policy with a minimum set of medical services offered to clients at any travel company. You can rely on chance, and can be approached in a more responsible for their own health and choose the policy itself.

Even if employees travel companies claim otherwise, you do not have to buy a policy from them, it can be done in any insurance company, where experts will help select the best option. The main thing - to know in advance whether the insurer the right to work in the country where you are traveling.

When selecting the policy should pay attention: whether it included a franchise (a condition that exempts the insurer from the payment of compensation for treatment are usually minor injury) or not. In the first case, you have to lay out his own pocket from 30 to 200 dollars (euros) depending on the severity of injury in the second - all the costs of treatment will pay your insurer.

Take the time to carefully read the list of services included in the insurance, so as not to spoil his vacation unpleasant surprise. Most policies do not include, for example, the provision of emergency dental care, and then seal the urgent need to pay out of pocket.

Typically, insurance companies refuse to reimburse the fees for treatment of chronic diseases, injuries as a result of lessons in extreme sports, do not pay for medical care for pregnant women, many companies refuse to insure tourists over 75 years. But there are insurance clause, common to all companies, and they should know.

The company does not pay compensation in the event that you:
- On vacation to have cosmetic surgery;
- Were treated at the rest of the venereal disease;
- Injured in a state of intoxication;
- Have not agreed with the insurer use of medical services (except when it really was impossible to do).

Cost.

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Relax without problems! Usually insurance costs at $ 1 per tourist (euro) per day with payment of the sum insured (for reimbursement of medical services) - 15 000 dollars (euros). There are times when the country you intend to visit, sets the rates more than 15 000, while the daily fee from tourists can reach 20 dollars (euros) per week. Also at the cost of the policy may affect factors such as age and degree of extreme travel.

Actions of an insured event.

As a rule, experts instruct the client in detail what to do if the insured event occurred. Need as soon as possible to ring with the insurer, to put him about injuries and go to treatment. We must always bear in mind that most insurers reimburse the cost of international calls to them just in case the original bill with the number you are calling.

Related services.

In addition to his health tourist can also insure against accident, but still can insure their liability and baggage.

Accident insurance is different from the usual medical fact that the insured event, is non-deteriorating health of the client as such, and its deterioration due to unforeseen events. This set a different order of compensation. For example, if you lose your disability insurer will pay a full refund - sometimes tens of thousands of dollars.

Should such a policy is 0,1 - 0,5 dollars (euros) per day and contains, as a rule, the insurance clause. Insurer does not pay you compensation if:

- Cause of the accident were your illegal actions;
- The accident occurred as a result of military action.

Popular insurance against cancellation for reasons beyond the tourists and tourism agencies of reasons. For example, did not issue a visa. Should such a policy within 0,5% of the price of holidays.

Luggage insurance against damage or loss will cost you 0.6% of the value of baggage and personal liability insurance (this is especially true for those who like to take the car rentals) - to 0,0003% of the liability limit per day.