Your next exploration is coming up and you’re considering getting travel insurance? Maybe you’re even wondering whether you should get one, also based on the country you’re traveling to and the length of your stay. How do you know when you need a policy that covers you in case of unexpected events and when you don’t?
If there is one thing that all our explorations have in common, absolutely all of them, it is travel insurance, as we never travel without it . Why? We will explain it to you below, together with a practical overview that will also help you in your evaluation.
This is the reality we rely on , and below we explain not only why we chose it but also how to navigate between:
- temporary insurance ;
- annual insurance ;
- long stay insurance ;
- cancellation insurance ;
- covid insurance ;
Travel Insurance? Is It Really Helpful?
In our opinion the issue is very simple, precisely because the journey represents the moment of exploration, relaxation, freedom and lightheartedness in its purest form, not having insurance coverage could be a total contradiction .
Being covered for difficulties and unforeseen events by a valid travel insurance is often the key to traveling more peacefully . Obviously we always hope that everything goes well, especially while we try to enjoy a well-deserved vacation, but you know, life is a continuous surprise and among all the beautiful ones sometimes even the less pleasant ones are hidden.
And not having someone behind you, depending on the country you are in, can be a real headache. Medicine works differently in each country and the costs can also be unpredictable ; from the most trivial things – like removing a thorn gained on a nature trail – to the most serious things, you could find yourself not only in the difficulty of not knowing where to go, of having to communicate a problem in a language that is not your own, as well as making unexpected and rather unpleasant expenses .
After all, nowadays insurance policies are becoming increasingly cheaper and more comprehensive, and below we will also tell you about the one we use on our trips just to give you a strictly personal point of view.
“How do I know which travel insurance is right for me?”
If you find yourself in the “jungle” of offers that can be found online (and offline) in the panorama of travel insurance, don’t worry, we have been there too and have signed several with the most varied companies, from the most renowned to the lesser known.
So how do you figure out which one is best for your needs? Is it just a question of price ? Is it wise to blindly choose the cheapest one ?
The answer in this case is NO: do not go for the cheapest one just because it costs less, perhaps because the price is lower than others the coverage will also be more limited than what other companies offer.
“ What if I choose the most expensive one? Aren’t I guaranteed to have everything included and not have to worry about anything? ” Again, NO, just because you pay more doesn’t mean you get more.
The only real way to understand which travel insurance is best suited to your needs is to carefully look at the policy’s technical sheet , what it includes and what the maximum limits are.
Because we understand that evaluating without knowing where to look can be stressful, below we help you understand what matters most and the differences between the various policies.
What travel insurance parameters should you look at when choosing?
First of all, to understand which policy is best for you, you need to understand how long you are away and where you are going : the destination can make a difference as some countries have their own health regulations , and if you are staying longer there are coverages that could help you save money by having the most suitable protection.
In fact, the policies are divided into:
- temporary insurance , suitable for pleasure, study or work trips;
- annual travel insurance , up to 60 days each, taken in one year;
- long-term insurance , valid up to 90 days, easily renewable even from abroad;
- cancellation insurance ;
When and which temporary insurance to choose
Are you planning a weekend in a European city ? Do you want to go on a 15-day road trip to the States? Do you dream of taking a trip to the most beautiful islands in Indonesia ? In all these cases, what you need is temporary travel insurance , i.e. a policy that covers only the trip for which you sign it.
What does a policy of this type include?
- medical expenses (including, for example, emergency dental expenses);
- pharmaceutical expenses
- expenses for treatment upon return
- medical transport and repatriation
- movement of a family member or partner
- Legal assistance
- Civil Liability, for physical or material damages that you involuntarily cause to third parties
In this type of policy you can also optionally choose to add:
- Baggage Coverage
- delays and loss of transport-related services
- Trip cancellation and interruption
- the coverage on the electronic equipment
- specific coverage for adventure sports
- Additional compensation for injury
- the cancellation of the franchise
Furthermore, with Heymondo for example, the company we rely on, you have a free assistance call and incident management service active 24/7 via the smartphone app, very convenient for helping you deal with any potential problem that may arise, as well as the possibility of managing complaints directly from your phone and having the policy documents and contact details always at hand.
