Travel insurance abroad - travel insurance instructions: 5 stages + TOP-8 companies where you can buy travel insurance online

Good afternoon, readers of the online magazine "Rich Pro"! In this article we will tellWhat is travel insurance?, Why do you need travel insurance and where is better to buy travel insurance online.

Surely, most of you at least sometimes travel to foreign countries. Of course, most often they are associated exclusively with positive emotions.

However, it is impossible to completely exclude the possibility of various kinds of problems. Special insurance can help in various difficult situations abroad. It is about her that we will tell today.

After reading the full article, you will learn:

1. What is and why do you need travel insurance;
2. What types of insurance for traveling abroad are;
3. How can I arrange an insurance policy for tourists and what determines the cost of insurance for travelers;
4. How to insure yourself through the Internet and in which companies it is more profitable to buy travel insurance online;
5. What to do if an insured event occurs during the trip.

The publication should be carefully studied both by those who regularly visit foreign countries, and those who are going on a trip for the first time. We advise you not to waste time and start reading right now.

Why do you need travel insurance, how is insurance for travelers traveling abroad, how to get it right and where it is profitable to buy travel insurance online - read in this issue

1. Travel insurance abroad - who needs it and why?

Regardless of the purpose of visiting a foreign country, in most cases, trips are accompanied by a huge amount of positive emotions. Whether it’s a trip for leisure or work, it’s unlikely that at least one tourist thinks about trouble - illnesses or accidents.

Still, usually when preparing for a trip, only pleasant thoughts arise. Such a careless attitude can easily turn around against tourist.

Important! Even a slight malaise can ruin the whole trip. What can we say about more serious health problems. Do not forget that abroad, any medical care will result in a pretty penny.

Any medications, as well as recovery procedures, will cost a lot. Not every traveler can bear such financial burdens. However, in some cases it is impossible to do without them. Delay can lead to very unpleasant consequences.

However, there is a way to avoid costs, just worry about this in advance. Even before the trip should take out insurance, specially designed for traveling abroad.

Such insurance is issued by the policy and guarantees its owner compensation for the costs of medical services that are caused by unforeseen injuries, as well as unexpected diseases. The policy is able to cover most of these costs.

Travel insurance allows you to get reimbursement not only for a life and health. You can also include property in the policy. In some cases, liability insurance is useful.

It is important to keep in mind that a number of countries require an insurance policy to apply for a visa.

List of countries where a visa is required to obtain a visa:

• Schengen states (European countries);
• Australia;
• Japan.

Without a policy, it will be impossible to enter the listed countries.

Most other states does not require touristscrossing their border, the obligatory presence of insurance. But the cost of medical services in them so highthat it’s worth thinking about its design once again.

Important! The policy guarantees that the tourist does not have to pay half the cost of the ticket for the treatment of an elementary disease.

If the disease is truly serious, the amount may be completely sky-high.

Most travelers believe that the likelihood of serious illness during the trip is quite low. This is especially true in cases where surgical intervention or prolonged rehabilitation is required. However, this approach is fundamentally wrong and fraught not only with significant costs, but also with the aggravation of the situation. when malaise.

In Russia, most citizens are biased towards any type of insurance. In contrast, in most developed countries, protecting oneself from risks is normal. Registration of insurance policies for all occasions there has become a tradition.

Important to understandthat insurance allows you to protect both the traveler and his finances. It is unlikely that anyone will argue that in a foreign country it is important to feel protected.

Moreover, the study of statistical data makes it possible to understand that 2% travelers abroad face various health problems. The main reason - changed conditions. This refers to food, water and even air. The human body is forced to adapt. It is only natural that often it can fail.

Traditional causes of travelers' illnesses are:

• reaction of the gastrointestinal tract to unfamiliar seasonings, food, fruits;
• E. coli, including water;
• colds while under air conditioning;
• limb injuries - dislocations, bruises, fractures.

Prices for treatment abroad, even with such small health problems, can be quite large. This situation will not only hit the budget, but also spoil the mood and completely leave.

Meanwhile, one single insurance policy will help solve problems. It will help to compensate for various expenses that arise unexpectedly. It is only natural that having an insurance policy allows a tourist to feel much calmer in a foreign country.

Can lead 2 (two) simple examples from life:

1. A tourist has a stomachache on a trip. She drank a painkiller pill. However, her condition worsened. When applying to the hospital, the first question asked to the Russian woman is how she will pay for treatment. Since there was no insurance, she decided to pay in cash. After examining the doctor, it became clear that the tourist had inflammation of the appendix, and she needed an urgent operation. At the end of the procedures, she was billed. The money that had to be paid for the treatment would have been more than enough for two holidays.
2. Another tourist did not calculate the time spent on the beach and received a sunstroke.. In the evening, her temperature rose sharply. Since the traveler had a policy in her hands that included insurance for all items, she contacted the insurance company. In the near future, a doctor with a Russian-speaking translator was sent directly to the hotel. All the necessary tourist assistance was provided on site. Absolutely all treatment expenses were incurred by an insurance company, a tourist didn't pay a dime. She quickly recovered and continued to rest in a good mood.

It is important to understand that you can insure not only your own health.

Insurance payments can be received in the following cases:

• in case of theft of personal property;
• when canceling a flight for any reason;
• if the aircraft will be delayed for a long time;
• in case of baggage loss due to the fault of the airline;
• upon the occurrence of civil liability, that is, when the tourist causes harm to the health or property of a third party.

In other words, insurance options are practically endless. But at the same time, the financial and legal literacy of Russians remains at a very low level. Most citizens consider insurance a completely unnecessary service, which they impose on them to tear off the extra money.

Not only do some tourists regard insurance as a waste of money, some even consider it a hoax. They are sure that by acquiring a policy, they simply transfer funds to the pocket of crooks.

Meanwhile it is important to understandthat the amount of the insurance premium (that is, the policy application fee) is very small compared to the cost of treatment costs.

The amount of compensation that a tourist will receive in case of seeking medical help (especially in case of a serious illness) is several times higher than the insurance premium for travel abroad.

It should also be noted that maternity insurance when traveling abroad is carried out according to completely different principles. In this case, the policy is drawn up not at all companies.

However, the largest insurers, who value their reputation, agree to insure against the possible risks of expectant mothers.

Maternity insurance when traveling abroad includes the following services:

1. appeal to a gynecologist if necessary;
2. therapeutic assistance;
3. diagnostic manipulations;
4. assistance in case of premature birth;
5. necessary medical manipulations with the newborn.

It's important to knowthat during the preparation of insurance for expectant mothers, the gestational age is of great importance. Most insurers agree to provide such a service if the term is from 12 (twelve) to 24 (twenty four) weeks.

Very rare companies agree to issue a policy to women on time up to 31 weeks. Closer to delivery it is unlikely to take out insurance.

Thus, the insurance policy cannot be regarded as an unnecessary service imposed by the insurer in order to make a profit. In fact, insurance is a necessity and in many cases it helps to save the nerves and money of the traveler.

Moreover, if there is a policy, the chances of getting qualified help increase, which means that the probability of recovery and even survival in the most difficult situations increases many times.

The main types of insurance traveling abroad

2. What can be the insurance of travelers traveling abroad - TOP-4 popular types of travel insurance 🌴

The mechanism that ensures the operability of insurance for travelers is very complex and multi-stage. Medical care in foreign countries is not organized by the insurance companies themselves, but by companies called assistance. They enter into partnership agreements with insurance companies, becoming their intermediaries.

The functions of the assistance companies are:

• search for medical facilities;
• coordination of the volume and list of necessary medical care;
• coordination of medical personnel;
• execution of necessary documents.

An ordinary traveler, traveling abroad, usually does not think about the features and nuances of insurance. Moreover, most tour operators include travel insurance already at the sale stage. But it is worth keeping in mind that in this case it only main service package. There are times when such insurance is not enough for the tourist.

That is why the most responsible travelers use individual insurance programs. Also, most often, such service packages are used by those who often make regular business trips to foreign countries, and those who organize their holidays on their own.

Statistics confirm the information that tourists who at least once in a lifetime overseas faced with health problems or property, subsequently always make out insurance. At the same time, they prefer to take a policy with the maximum package of services instead of the one that is traditionally attached to a tour package.

Depending on the risk upon which a premium will be paid, allocate 4 types of travel insurance.

Type 1. Travel Health Insurance

Health insurance is considered to be the main type of insurance for tourists traveling abroad. Making a policy in this case allows the traveler to protect their own health, as well as life.

Travelers with health insurance have the right to demand:

1. call an ambulance or a doctor;
2. if necessary, stay and be treated in a hospital;
3. carry out diagnostic procedures;
4. provide outpatient treatment;
5. to transport a seriously ill patient to his homeland.

In addition, upon the purchase of a medical insurance policy in case of the death of a tourist, the costs of delivering the body to Russia will be borne by the insurance company.

However, travelers should remember that there are times when insurance coverage becomes impossible.

The main non-insurance events are:

• the occurrence of insured events, including injuries of varying severity, as a result of the use of alcohol and drugs;
• if health problems arise due to chronic, mental, as well as cancer.

In fact, health insurance for those traveling to another country is like a compulsory health insurance policy. The main difference between them is the scope - MHI policy covers medical expenses in Russia, tourist health insurance- Abroad. In addition, reimbursement amounts differ. According to the traveler’s policy, they often reach several thousand dollars or euros.

Very often, along with medical insurance for traveling abroad, tourists acquire a policy that protects against accidents.

Type 2. Protection of tourist liability

Liability insurance is issued on that in case the tourist causes damage to a third party. It is important to understand that the insurance company will indemnify the damage only if the fact of its causing is confirmed by the injured person, as well as documented by the relevant authorities.

It's important to know! Compensation for this type of insurance can be obtained only in cases where damage to third parties was caused unintentionally.

If the damage was done absolutely consciously and by preliminary intention, the insurance company will pay money for the tourist will not. In addition, if the cause of the insured event becomes alcoholic or drug intoxication, compensation will also fail.

Traditionally, insurance companies advise to arrange liability insurance for tourists traveling to extreme travel. It is in these cases that the probability of causing damage to property, as well as to the health of third parties, is most high.

for example, skiers in case of unsuccessful descent can break the rental equipment, as well as damage the health of others. Naturally, in such a situation, you will have to pay a considerable amount for a broken inventory, as well as pay for the treatment of another tourist. However, if the unlucky traveler will be issued liability insurance policy, all losses will be covered from the pocket of the insurance company.

Type 3. Property insurance

Another nuisance that can happen to a traveler is baggage loss. It can happen not only through the fault of the tourist.There are frequent cases when suitcases and bags are lost at airports, that is, directly by carriers.

Experienced travelers always insure their luggage, especially if they contain expensive items, eg, photo or video equipment.

Worth consideringthat, depending on the desire of the tourist, suitcases and bags can be insured for almost any amount. However, not all insurance companies allow their customers to do this. Traditionally, the amount of insurance compensation is limited.

Property insurance covers the risks of various types of insured events.

Most often, compensation is paid when the following situations occur:

1. spoilage, as well as damage to things during traffic accidents, as well as in the event of other accidents;
2. loss of baggage during natural disasters - fires, floods and others;
3. theft.

Type 4. Travel Insurance

If a tourist takes out travel insurance, he protects himself from those cases when the trip does not take place or will be interrupted for reasons that are not dependent on the policyholder.

The following are recognized as insured events:

• hospitalization of the traveler on the eve of the trip;
• severe illness of a close relative of the traveler;
• refusal to apply for a visa to enter a specific country.

Absolutely all protected situations are negotiated in the concluded contract. To avoid unpleasant surprises, such an agreement should be carefully studied. BEFORE the moment of its signing. For a travel insurance policy abroad you will have to pay about 5-8% the cost of travel.

If the cost of a trip is 100 thousand rubles, then buy travel insurance for travel abroad possible for 5-8 thousand rubles (depends on the insurance company).

Thus, you can protect yourself from almost any trouble that may arise during the trip. The main thing is to think over all possible situations in advance and include insurance cases in the contract regarding a particular tourist.

Proven Ways to Buy Travel Insurance

3. Buying an insurance policy for travelers abroad - TOP-3 reliable ways of obtaining insurance

Now it’s clear why you need a travel insurance policy. However, not everyone knows that there are several ways to get insurance.

Method number 1. Self-registration through an insurance company

Acquiring insurance from a specialized insurance company is the most effective way. With this design, the tourist can choose for himself what risks he needs to protect.

By contacting the insurance company, the traveler can choose the set of services that will be best for him, eliminate the risks that are irrelevant for his trip. Naturally, this approach allows the traveler to influence the price of the insurance policy.

An example of an international insurance policy

Method number 2. Acquisition of a policy at a travel agency simultaneously with a ticket

Buying a policy at a travel agency is the easiest and cheapest way. With this design, insurance is bought at the same time as a ticket.

Experts as well as experienced travelers consider this option to purchase an insurance policy ineffective. With standard insurance, the list of insured events is limited. Moreover, the amount of insurance compensation is minimal.

In addition, the terms of the insurance policy often provide franchise agreement. He assumes that losses on insured events within the agreed amount will be reimbursed by the insured.

Travelers should not forget that they have the right to refuse the insurance that they are offered to purchase along with a tour package. This option is suitable for those who prefer to purchase the policy on their own through the selected insurance company.

Method number 3. Employer Insurance

This option is the least popular. However, at the same time it is the most profitable. If the employer provides for its employees the opportunity to issue a voluntary health insurance policy, you can insure yourself as a tourist directly at work.

It is important to keep in mind that insure property or civil liability to third parties NOT will work out.

By means of the employer there is an opportunity to issue only life and health insurance policy. However, through the employer, the traveler can insure the whole family.

4. How much is insurance for traveling abroad and what affects its price

As with any type of insurance, making out a policy when traveling abroad, you should make insurance premium. Despite the fact that each insurance company applies its own pricing principles, there are a number of indicators that have a similar effect on the cost of the policy.

The cost of travel insurance is affected by:

1. travel duration;
2. country visited;
3. circumstances of rest - whether it is planned to engage in extreme sports, attend risky excursions;
4. tour price;
5. type of transport on which the trip to the place of rest will be carried out;
6. personal data of a tourist - age, the presence of diseases, etc.

It is important to note that the older the traveler, the more expensive the insurance will cost him.

The insurance premium is also affected by the amount of the expected reimbursement. They are directly dependent, that is, the growth of one indicator leads to an increase in another.

The policyholder has the right to influence the amount that will be paid upon the occurrence of an insured event. for example, it makes sense to increase reimbursement when traveling to countries with poorly developed infrastructure, as well as to those where the sanitary and epidemiological situation is unfavorable.

Table of the influence of various factors on the cost of insurance for traveling abroad:

The main stages of online travel insurance

5. How to buy travel insurance abroad - 5 stages of obtaining travel insurance online (via the Internet)

Today, Internet technology allows travelers to arrange most of the services without leaving home:

• to buy tickets;
• book a hotel room;
• purchase an insurance policy.

Most popular insurance companies that value their reputation allow you to purchase a policy in online mode. This is convenient for customers, as it allows you to significantly save time. In addition, such a policy is cheaper, because there is no need to pay a commission to an insurance agent.

Making insurance through the Internet is not difficult. However, for those who do this for the first time, it is useful to study the procedure in advance. This will help prevent a number of common mistakes, as well as choose the cheapest and optimal policy.

Below is a step-by-step instruction for obtaining insurance for traveling abroad online.

Stage 1. Search for an insurer

Today, in the financial market, hundreds of insurance companies of various sizes offer travelers to take out insurance. It is the right choice of the insurer that has a significant impact on the timeliness and completeness of compensation in the event of an insured event.

On-site assistance is organized not by the insurer, but assistant company. This company is the representative of the insurer in the country where the traveler goes. Some believe that since this organization provides medical care, it is worth focusing on it, choosing where to conclude an insurance contract.

However, it is important to understand that, despite the most important functions of the assistance company, the insurer pays all the expenses. Therefore, choosing the place of purchase of the policy, you should analyze it.

When choosing an insurance company, it is important to evaluate the following indicators:

1. rating and reputation of the company;
2. how long the insurer has been in the financial market;
3. the number of risks that the insurance company agrees to protect the traveler from (for example, not all organizations insure pregnant women, as well as senior citizens);
4. line of insurance programs.

It will also be useful evaluate the insurer's website. It should be of high quality, work quickly, have convenient navigation. In addition, the support service should be adequate, ideally working around the clock, have a free phone number.

Choosing an insurer is more important than assisting companies, not only because of the importance of financing. An experienced insurance company values ​​its reputation, it will never cooperate with an unknown company.

Self-respecting insurers carefully choose assistance companies. They worry that the insured can comfortably get the medical care and other services they need.

Travelers who do not have time to independently analyze insurance companies and programs should pay attention to Internet services of the choice of the insurer. They allow you to calculate the price of policies in different companies, compare and choose the most suitable program. In addition, here you can immediately buy the selected insurance.

Often on sites offering services of choice of insurers, they offer their customers significant discounts. Very often, savings exceed 5%.

Stage 2. Determination of the period, as well as the optimal insurance program

The next step in acquiring a policy is to choose an insurance program. It all depends solely on the preferences of the traveler.

Example of calculating the price of insurance of travelers traveling abroad

One is enough standard the list of insurance services that is attached to the tour package. Others prefer to choose individual list of risks.

In case of choice individual insurance program you can include in the insurance contract that list of situations that is relevant for a particular tourist, unnecessary risks can be excluded. This helps optimize insurance costs.

So, eg, for those who prefer an extreme vacation with a large number of active activities, it is worthwhile to include various items related to accidents in the policy. If this is not done, the treatment of all sports injuries received during the trip will have to be paid for independently.

Travel insurance pricing on Tinkoff Bank website

Abroad, the cost of medical services of this kind is at a very high level.

Stage 3. Registration of the form on the website of the insurance company

After the insurer and the program are selected, you must fill out the appropriate form. It is important to be extremely careful. Not a single mistake can be made.

Even one misspelled letter will lead to the fact that the policy will be declared invalid. Naturally, it is unlikely to receive a refund on such a document.

Stage 4. Payment for the purchased insurance service.

The more solid the insurance company, the more ways it offers to pay for its services. Most often used for these purposes bank cardsas well as various electronic wallets.

Do not rush with payment - you should deposit funds only after there are no questions left. If at least something remains incomprehensible, you should contact the support service. Some companies offer to ask questions directly on the site.

Step 5. Obtaining and printing out an insurance policy

The last step in obtaining insurance through the Internet is to get a ready-made policy. The document in this case comes in a file by e-mail.

It is important to ensure that in the sent file were:

• insurance policy;
• Receipt of payment;
• list of telephones to be contacted when an insured event occurs.

Thus, it is not difficult to issue a travel insurance policy via the Internet. It is enough to know the sequence of necessary actions.

6. Where is it profitable to get an insurance policy for traveling abroad? A review of the TOP-8 insurance companies

It is not easy for a person without financial education to independently find and choose the best among a large number of insurers. In such a situation, the ideal option is to use ratings made by experts.

Having decided on 3-5 insurance companies, you can compare the prices of travel insurance abroad by going to the official web resources of these "insurance".

1. Renaissance Insurance

Renaissance - One of the largest universal insurance companies. For many years this organization has been included in the top ten of the best insurers in Russia.

The reputation of Renaissance insurance is confirmed by a huge number of prestigious premiums and awards in various nominations. The company, including the owner Golden salamander and Golden site. Since it is possible to carry out insurance of an apartment (real estate), vehicles and other valuable property through the company's web resource.

You can buy directly on the Renaissance insurance website insurance policy. At the same time, the insurer protects against the risks of travelers of any age. In addition, here you can insure yourself for several trips at once.

Depending on the regularity of traveling abroad, you can take out insurance for a different period:

• one-time policy used for insurance for one trip, can be issued for a minimum of 3, a maximum of 180 days;
• multiple policy valid on several trips, a different number of days may be insured during the year;
• one year policy implies insurance for all days during the year, provided that each trip does not exceed sixty days.

Sum insured may be within from 5,000 to 100,000 dollars or Euro.

2. European Travel Insurance (ERV)

Joint-Stock Company European travel insurance is an international organization that operates in many European countries. Since 2006, the company has been operating in the Russian capital. Official website of the company -erv.ru.

Statistical data 2016 years confirm that Erv It is the only insurer in the world whose specialization is protection against the risks of tourists, as well as travelers of absolutely all categories of citizens traveling abroad.

Today European travel insurance is included in the group Etiwhich includes another 20 countries. In addition, branches and representative offices are open in 72 Russian cities.

The main areas of ERV insurance are the following objects:

• Travelers
• diseases
• responsibility of tour operators;
• cancellation of a trip, postponement of departure or arrival;
• property as well as personal interests of those traveling abroad;
• financial risks;
• accidents.

AT 2014 European Travel Insurance assigned A + ratingwhich was confirmed in 2016 year. Thus, the company has a reliable assessment and forecast of stable development.

3. Allianz Global Assistance

Company Allianz Global Assistance around the world is considered a leader among insurers issuing travel policies. In addition, the company successfully provides service assistant. Allianz Global Assistance professionally helps travelers and supports the insured around the clock around the world.

The company has been cooperating with various clients for many years - private individuals, as well as large and small organizations. For Allianz Global Assistance, relations with each client are very important. The insurance programs of this company comply with the highest requirements of international quality standards. Regardless of the term of the policy, the necessary assistance is always provided as soon as possible.

The insurance company in question has vast experience. Since 1950, it has been protecting tourists and travelers around the world. Formal education took place in 1980 in Germany. In Russia, the company began to operate since 2008.

Allianz Global Assistance positions itself as an insurer, for whom the most important is individual attitude to each client. Therefore, absolutely all insurance programs are developed individually, depending on the needs of each client.

Today, Allianz Global Assistance clients are around 85 million people all over the world, as well as a huge number of organizations. Each year, the company receives more than insurance income. 100 billion euros.

Regardless of what type of vacation tourists choose, they can choose the most suitable insurance program for them. To do this, you can use the service Trip insurance. This Internet portal is the official website of Allianz Global Assistance.

It offers a huge selection of the most effective as well as useful insurance programs for travelers. On this site you can both choose the most suitable insurance program and calculate its cost, as well as buy a policy without leaving your computer. The finished agreement will be sent to the email address at pdf format.

4. Alfa Insurance

Alfa Insurance is on the list of the largest insurers in Russia. This company operates in the financial market. since 1992, it refers to the backbone in the Russian insurance industry. The authorized capital of Alfa Insurance is five billion rubles.

The insurer in question offers its customers a universal line of insurance services, which includes more than 100 programs. Alfa Insurance is a leader in servicing private clients. The company is constantly improving and introducing the latest technology into its work. Today, most of the programs can be purchased directly on the insurer's website.

Among the most popular travel insurance programs are the following:

1. Travel insurance for five minutes. Suitable for applying for a Schengen visa. Such insurance protects against diseases, as well as accidents in foreign countries, loss of baggage or documents, cancellation of travel.
2. Travel insurance (for travel) in the Russian Federation includes medical expenses and transportation, dental care, evacuation to the place of residence, notification of relatives and friends in case of accidents, repatriation of the body of the insured in case of death. Additionally, you can include liability insurance, as well as in case of accidents.
3. Passenger Insurance helps protect yourself during a trip from various baggage problems, delayed or canceled flights, as well as various health problems, death and disability.
4. Water Transport Insurance allows you to get compensation in case of breakdown or complete loss of yachts, jet skis, boats and boats. In this case, the only condition is the use of water transport for personal purposes.
5. Green map necessary when traveling abroad by car. Such a policy is an analogue of OSAGO (What is OSAGO, we wrote in the last issue). It operates in 46 states. By purchasing the Green Card, the traveler protects himself from the costs of compensation for harm to the health, life and property of third parties that may occur when driving in foreign countries.

5. Rosgosstrakh

Rosgosstrakh It is considered the oldest Russian insurer. Over the long years of its existence, the company has developed the widest branch network. Today it operates in several hundred cities. Thousands of professional agents help clients choose the best option for insurance.

Rating Agency "Expert" awarded Rosgosstrakh the highest reliability rating - A ++. Moreover, in 2015 the insurer was recognized as the best in Russia protecting travelers.

If desired, travelers can calculate the cost of the policy directly on the site. The choice of tourists taking out medical insurance is offered 4 packages: economy, comfort, standard and premium. The higher the level of insurance chosen, the wider the list of services provided upon the occurrence of an insured event. Naturally, the premium is growing in the same direction.

In addition to medical insurance, travelers can apply for:

• a policy for those who prefer active sports and recreation, including more than 50 types of risks;
• insurance in the presence of chronic diseases allows you to get reimbursement in the event of an exacerbation period;
• the policy for pregnant women is available to expectant mothers whose gestational age does not exceed 31 weeks;
• accident protection;
• baggage insurance;
• civil liability policy;
• refund upon cancellation of the trip.

When traveling by car should be purchased Green Card Policy. And in the case of admission of foreign citizens can be issued policy Guest, which allows you to get medical care for persons temporarily located in Russia.

The company also offers car insurance services online / via the Internet.

6. VTB Insurance

VTB Insurance It is also one of the largest participants in the Russian insurance industry. Company founded in 2000. Today, paid insurance claims exceed ten billion rubles every year. In terms of insurance fees, the insurer is among the ten largest.

All consulates of foreign countries accept the policies received at VTB Insurance for issuing visas. Travel support provided GVA Assistance.

The insured provides:

• free support phone numbers in many countries;
• receiving calls by Russian-speaking operators in the Schengen area;
• in the most popular tourist areas - our own service centers.

In the event of an insured event, it is enough for the VTB Insurance client to make one single call. The required phone number is indicated on the policy. It will be accepted by the dispatcher around the clock seven days a week. After that, all the necessary assistance will be organized in the shortest possible time.

A distinctive feature of VTB Insurance is quality assistance in the event of an insured event, regardless of the age of the traveler. The insurer guarantees lack of franchises, as well as additional payments from personal funds of the tourist. At the same time, the average price of a policy for travelers to European countries does not exceed 250 rubles in Week.

7. RESO-Warranty

RESO-Warranty is a universal insurer that operates in the Russian market since 1991. Today the company is part of Russian Union of Industry, as well as Moscow Association of Travel Agencies.

The insurer has a license that allows you to provide over 100 types of insurance services private citizens, as well as organizations. Today, the number of customers exceeds 10 million, serviced through 850 branches throughout the country.

Insurance policy from RESO-Guarantee round the clock protects travelers in all countries of the world, including in the territory of neighboring countries, as well as in the Baltic states.

Standard policy allows you to get help with an unexpected illness abroad. If the traveler has to spend in a foreign hospital more 10 days, the insurer guarantees the delivery of a close relative to him. In addition, he will be paid for home delivery, as well as hotel accommodation. The only limitation in this case is the amount agreed in the policy.

The insurance policy is developed individually depending on the needs of a particular traveler. In addition to a variety of tariffs, the company has developed discount system, which allows you to save significantly when family or group rest.

For tourists who prefer outdoor activities, it is advisable to include in the insurance the risks of injury, as well as an accident.

8. Tinkoff Insurance

Tinkoff Insurance - A fairly young insurance company that is rapidly growing in popularity. Organization was created in 2013 owner of a large holding company Oleg Tinkov.

Like all other organizations included in the Tinkoff group, the insurer seeks to actively apply in its activities the most advanced online technology.

To become the owner of an insurance policy from the Tinkoff company, it is enough to complete 3 simple steps:

1. choose the right program and calculate the cost of insurance directly on the site;
2. pay for the services of an insurer in any convenient way;
3. Receive and print relevant documents from email.

Depending on the needs of the traveler, you can insure yourself for one trip or apply for a policy immediately for the whole year. It should be borne in mind that in all trips it is necessary to follow the recommendations of the insurer on measures to prevent the occurrence of an insured event.

Thus, in Russia there are a huge number of companies providing insurance services to people traveling abroad. The choice of one of them should be approached as responsibly as possible.

Do not succumb to advertising tricks and buy the cheapest policies. It is better to choose one of the best insurers. This will help to be sure that there will be no problems with obtaining compensation when an insured event occurs.

The algorithm of actions in the event of an insured event for travel insurance - 5 important steps

7. What should a tourist do when an insured event occurs - a step-by-step algorithm of actions from 5 steps

The traveler must understand that it is not enough just to purchase an insurance policy in a popular company. It is also important to know what to do in case of an insured event.

Only with clear personal actions can a tourist be sure that he will receive prompt timely assistance in full. That is why the following is given step-by-step instructions for beginners.

Step number 1. Contact the service center

As with any emergency, when an insured event occurs while traveling, it is important to maintain maximum calm and self-control. First of all you need contact service center dispatchers. Traditionally, telephone numbers for this are indicated in the policy issued by the insurer.

The best solution in advance is to enter the numbers of the service center in the memory of the mobile phone. In case of loss of a cell phone, you can also duplicate contacts on several sheets of paper and put them in documents, a wallet, a suitcase and other places accessible to tourists.

By calling the representative of the insurer, it is important to clearly describe the situation. If necessary, you should be prepared to answer questions, indicate the address of your own location. After that, a medical worker or ambulance will be sent to the tourist.

Step number 2. Waiting and getting help

After a call to the assistance company, you can only wait. Do not take any measures yourself - purchase drugs, hire vehicles for delivery to the hospital. The insurer will compensate for such expenses. NOT will become.

It is important to remember that absolutely all actions should be coordinated with a service center. It should be understood that professionals who know how to act in a particular situation are working in this organization. Therefore, it is best for a traveler to trust specialists and strictly abide by their orders.

Step number 3. Collection of supporting documents

Do not forget that absolutely all actions of services that provide medical and support services must be supported by documents. Should save checks to pay for medical services, as well as the purchase of medicines in pharmacies, documents for payment of tests in laboratories and other payment documents.

The more complete the package of documents confirming the expenses incurred, the easier it will be to cooperate with the insurance company afterwards.

An ideal situation is when absolutely all expenses associated with the payment of medical services will be documented and subsequently paid by the insurer.

Step number 4. Submission of application to the insurer

In the shortest possible time should be prepared and sent statement to an insurance company. All prepared documents should be attached to the application - accounts, checks, references.

On the official form of the insurer should also prepare and file special "input" document. It should indicate all documents submitted for receipt of compensation. It is important to certify the input document with the seal of the insurance company, as well as the signature of the responsible employee.

Step number 5. Reception of insurance payments

When all the necessary papers have been collected, and the input document has been submitted, it remains only to receive a refund. It should be remembered that the insurer does not always make an instant decision on making payments.

In some cases, the insurance company decides to reimburse the amount less than the costs incurred. In such a situation, one should try to challenge the size of the expected payments. To do this, send the appropriate claim to an insurance company or to the appropriate authorities.

By the way, such issues are not always advisable to resolve on their own. It is often much more effective to seek help from professional lawyers. They help to make a claim and track the progress of the case.

The algorithm of actions upon the occurrence of an insured event is presented in the table:

8. What to look for when making out insurance for traveling abroad - TOP-5 important tips for beginners

In order to insure really high quality, it is important to carefully study the conditions of the selected program, as well as the signed contract. It is also important to choose a reliable insurance company with an impeccable reputation.

However, beginners can get lost in the sea of ​​information and lose sight of the really important nuances.Therefore, experts give valuable advice to those travelers who buy a policy for the first time. Following them helps to increase the effectiveness of the purchased product.

Below we consider the advice of specialists for people gathered abroad.

Tip number 1. It is important to carefully select the risks that are relevant for a particular tourist

For those who plan to spend their entire vacation calmly on the beach, usually a policy included in the tour package is enough. It protects against a standard set of risks.

To those who choose leisure with lots of extreme events should be considered additional insurance claims. Such a policy will cost a little more. But the maximum amount of compensation will increase at least 1.5 times.

Tip number 2. It is important to study the contract for the list of insurance claims as closely as possible.

Many travelers are faced with the fact that the insurer refuses to pay reimbursement on completely legal grounds. At the same time, it is often the tourist who turns out to be wrong who demands compensation for damage in cases that were not included in the policy.

In order not to get into such an unpleasant situation, read the contract carefully. This must be done before you sign it. And even more so later to study the agreement after the occurrence of the insured event.

Tip number 3. It is worth notifying the insurer that an insured event has occurred.

The faster the traveler informs the insurance company about the incident, the better. Moreover, a reference to the period by which the notification should be sent is always indicated in the insurance agreement.

Keep in mindthat in case of untimely notification of the insurer about the occurrence of the insured event in the payment of compensation may simply refuse.

In some cases, the insurer may consider insurmountable circumstances. Nevertheless, it is not worth the risk, it is better to report the situation immediately.

Tip number 4. It is important to keep all documents confirming the payment of necessary services

Absolutely all expenses incurred, as well as the services received, must be documented.

Important to keep checks, payment documents, medical certificates and other papers BEFORE reimbursement date. If this is not done, getting back the money spent will be much more difficult.

Tip number 5. It is best to always carry insurance while traveling.

A document confirming the purchase of insurance should always be carried with you. The minimum that a traveler should know is company assistance phone numbers and policy number. If such information is not provided in a medical institution, you will have to pay money for the services provided from your own pocket.

Subsequently, you can certainly get a refund from the insurance company. True, it will be more difficult to do than with presenting the policy before receiving medical services.

9. Conclusion + video on the topic

Every traveler must understand that an insurance policy is not a luxury and an excess. In fact, it has long become a vital necessity. Such a document can protect in many situations.

Moreover, upon the occurrence of an insured event even an experienced traveler may be confused and not realize what measures to take. When making insurance, professionals will help to cope with a difficult situation.

At the end of our article, we recommend that you familiarize yourself with the video on this topic:

Question to readers:

Which way of applying for travel insurance seems most convenient for you: self-registration with an insurance company, purchasing a travel agency policy or insurance for travelers abroad through an employer?

We wish the readers of the online magazine RichPro.ru good luck in everything, and that there will be no troubles while traveling, and emotions are only positive. However, we recommend that you always issue a travel insurance policy to be more confident in any situation.

We will also be very grateful if you share your opinions and comments on the topic of publication in the comments below. See you soon!

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