8 when you useful travel insurance

1. You get sick during the trip time

Whether picked up a virus, or poisoned with unusual food, and as a result spend your vacation in a hotel room and you regret that you did not stay home. Not only that the holiday is broken, so also it is necessary to look for a doctor and to spread a round sum for the reception and treatment.

How will insurance

Through travel insurance you can avoid unexpected expenses related to outpatient or inpatient treatment. This includes medical services, diagnostics and medicines. Insurance "Rosgosstrakh" for traveling abroad applies to emergency care dentist.

Before you go to the hospital or call the doctor, call the non-stop dispatching center - his number is specified in the insurance policy. Experts will give detailed instructions on what to do next.

If for some reason, after a call to the dispatcher you pay for services in medical facility on their own, be sure to Take in the clinic documents confirming these expenses, x-rays and discharge, and then transfer them to the insurance company.

2. You ride a bike and broke his leg

Or injury ended skiing, fishing or hiking in the water park. No one to blame, but it still hurt. The situation is complicated by the fact that the standard insurance does not usually cover such cases.

How will insurance

When making policy, add to it an additional condition of "Active Life". If you are planning a vacation to go fishing, diving and walking, this option allows you to get help for instances when the holiday ended treatment to the doctor. Collect all the medical documents confirming the fact of injury, including X-rays.

Please note that the option "Active Life" does not extend to all kinds of activities. This does not include paragliding, mountain hiking, mountaineering, rock climbing, ice climbing and deep-sea diving.

Remember that insurance is worth buying in advance: the term of its validity shall begin from the day when you arrive in the country specified in the contract. If at the time of conclusion of the contract you are already on the territory of insurance for the trip and the condition does not apply the policy to purchase impossible.

3. Your child is ill with chickenpox just before the trip

It seems to be okay, but to drag him by the end of the world do not want to. We have to cancel the hotel reservation, take tickets, and convince yourself that lost money on it - is nonsense, because health is more expensive.

How will insurance

When you execute the policy, adding to the risk of "Trip cancellation". As soon as a situation arises that prevents a visit to another country, report it to the insurer.

This condition works in cases where, for example, the insured or a close relative have picked up an infection (particularly dangerous or baby - rubella, whooping cough, etc.) requiring quarantine. This includes fractures, if they require outpatient treatment, and accompanying medical contraindications for the trip and sudden acute disease with need hospital treatment during more than two days.

4. Your luggage is lost

The situation: you come to rest in hot countries and found that a suitcase with things on the way gone. As a result, you need to buy just about anything from a toothbrush to at least some clothing, so as not to walk on the beach in a feather bed.

How will insurance

In travel insurance, you can specify the additional risk of "Baggage". It gives protection against total loss (destruction) or the destruction of things, officially handed to the carrier. If suddenly your suitcase is stolen, you can get compensation.

One person can insure this risk, one or two of luggage space. The loss of personal items carried in hand luggage, not an insurance event. During the trip, keep the ticket or boarding pass and luggage tags - they will need to show the insurer.

5. You missed the plane

It is clear that in an amicable way to the airport should go ahead, but stuff happens. Along the way, your car or taxi can break or get into an accident. If you are already on the flight did not have time, we have good news: the policy applies to such situations.

How will insurance

In the event that the delay was not your fault, but a result of a road accident or a vehicle breakdown, there is reason to hope for an insurance payment. To this end, the policy is issued you need to add the risk of "Trip cancellation". Late - immediately call in the contact center and tell what happened.

6. You lost documents

The problem that is guaranteed to spoil the holiday. First have to look for the Russian consulate, and then think about where to find money for new tickets if too old lost or stolen. Without an insurance policy will be a long, difficult and nervous.

How will insurance

If the design of the policy from "Rosgosstrakh"You have chosen the program" Premium ", feel free to call in the clock contact center. In the event of theft or loss of the passport service company that represents the insurer in the country where you are, will contact the consulate and the authorities. In case of theft of tickets or other extraordinary circumstances, the same organization will assist in the replacement ticket.

7. You accidentally spoil other people's property

For example, came to the restaurant and inadvertently broke doroguschy vase adorning the room. I do not want to pay, but the administration requires you to reimburse the damage. The aid will come again insurance policy.

How will insurance

Tourist policy to compensate for the costs in a situation where the insured person is obliged by virtue of court decision to compensate a third party damage caused to their lives or health, or damage property.

If you impose property claims or threatened by the court, not in a hurry to admit guilt or accept compensation. Contact your insurance company, it will tell you how to act.

The condition does not apply to the use of any means of transport, as well as the leased property, so that if the picks rental skis, ride carefully.

8. You went to rest in the position, but something went wrong

If there are any complications or premature birth occurred, medical help may be costly. For example, in 2018 the Russian tourist to go on holiday to Italy, where she gave birth earlier than you expect. Standard insurance for such cases are not spread, so the clinic brought women account for 18 000 euro for assistance in childbirth and the baby stay in the hospital.

How will insurance

If you are expecting a baby, in the description of the policy, it is desirable to include the cost in case of sudden complications of pregnancy and preterm labor. On the date of the alleged events gestational age should be up to 31 weeks, inclusive, so the last couple of months before delivery still better to spend at home.

Calculate the cost of insurance

PJSC Insurance Company "Rosgosstrakh", the Bank of Russia license to conduct insurance number SL 0001 and SI number 0001, issued 06/06/2018, undated.