Consumers often do not check what is included in their travel  agency policy.

When you go on vacation, you wouldn’t want to think of the dangers which may threaten you. And although traditionally travel operators include travel insurance packages in the offer, the users are rarely interested in the specific terms of the contract. Unfortunately, this neglect may come out expensive. Even relatively innocent trouble as influenza captured abroad, seriously threatens your wallet if you do not have adequate insurance coverage.

European health card

It gives you the right to medical care if you suffer as a result of an accident or become ill. These services are free or discounted - the principle is that you will enjoy the same rights as the citizens of the country you are visiting. And even though European health card can save your costs on insurance, it is far from sufficient to guarantee peace in your journey. Cases where  your expenses for medical procedures will be fully covered are rare and private services are almost never covered. If you have your return home, or need a transportation to the place where you can get specialized help, you will need to pay that from your own pocket. In addition, European health card is valid only for the 27 EU countries plus Iceland, Liechtenstein, Norway and Switzerland. Even if you have insurance, however, concluded, that in itself does not mean security. In their hurry to entertainment, most tourist do not bother to learn what is written in the

insurance offered by the travel agency

and do not know what risks are covered and what benefits does it offer . On the other hand, the agencies prefer not to include in your package products with a higher premium contributions in order to keep the price lower of the overall service. And at some point (sometimes too late) you can find out that you have spent unintended portion of the family budget.

What should a good travel insurance cover?

In first place, ask what is the coverage in case of sudden illness or health incident. While some products can not rely on compensation greater than € 2000, with other the minimum starting level is € 5000. Of course, it depends on country you plan to visit, but now everyone has probably heard from friends living abroad, how expensive are health services in Western Europe and especially in the U.S.. Indeed, few people would listen to the advice of the British Foreign Ministry to get an insurance for one or two million pounds, but on the other hand, it wouldn’t be nice to find out that you have an insurance that will cover only pennies when you need it.There are case of insurance contracts where if the expenses that need to be covered are over a specific amount you need to pay it by yourself or larger amount of it to remain on your account.

Except for mere size compensation, it is important whether you can rely on a

24 hour assistance.

If this clause is not included in your contract, this means that you must pay all medical expenses and when you return home, you must notify your insurer at least seven days before the expiry of the policy. Be sure to keep all documents issued in the course of your treatment as Epycrisys, X-ray photographs, invoices or cash marks - they probably will be required before by the insurance company. The use of the assistance company, on the other hand, means that where ever you are abroad, you have a contact in need of help. The assistance company is an international partner of the insurer and its coordinates are usually written on the cover of the policy. If you are ill, get hurt or become a victim of an accident, you can call your 24 international assistant at any time of day and you will be directed to the appropriate treatment facility, where you will not have to pay anything - the costs will be covered directly under your insurance. When you read the terms of your contract, do not forget to check

in which cases you do not get the right to be compensated.

In many cases, for example, you will need an additional guarantee against terrorist attacks. Furthermore, your insurer will not cover the cost of injuries due to excessive use of alcohol - not to mention drugs. If you are an extreme sports lover you may need to buy a separate policy to protect you from the risks related to adrenaline experiences. It is good to know that a duty dentist visit may also be a separate case. Възможност да спестите средства, а и време, има при застраховките за Often the amount of compensation that you can use in such cases is limited to a certain size, regardless of the limit under the policy. Besides medical problems, it will be good if your insurance covers travel and other usual risks, such as lost or stolen baggage and even financial protection if the airline with which you travel bankrupts before you are back from your holiday. An accidental death or permanent loss of work capability is usually not included in conventional packages, and in order to be protected against these risks you will have to pay extra to get this clauses included.

You can save resources and time, when you get a

multiple trips insurance

They are suitable for people who often travel abroad, whether for pleasure or business. Usually they can be for one year period and in this period the customer can travel as much as needed. Most often there is a limit that the insurance is valid if the duration of a journey does not exceed a certain period - for example 31, 62 or 93 days. It is good to know that the way you pay for your journey is also important - if you have a credit card now is the time to use it. Thus, in the payment of the tourist product most of the  banks will grant free medical insurance, and at best conditions. Many companies servicing credit cards  will compensate you in case of a bankruptcy of your airline company. Note, however, these facilities generally do not apply to debit cards. Once you’ve already decided what risks you would like to get an insurance for, you are probably looking for an answer to the question -

how much should you pay and what does it depend on?

Apart from the expected benefit, your premium payment is determined by other factors such as time and destination, the country you are visiting, age and sometimes even your health condition, although in most cases, this criterion is not taken into account and does not require medical examination. If you are traveling with your family or you are with colleagues, you should ask if you get a discount as a group. In general, the value of a the medical insurance can be very diverse. For example, in Europe, the Mediterranean and Middle East the compensation limit starts from 4-5 thousand, and for the rest of the world - from 10 thousand euro. The ceiling of payments does not grow with the same rate as the price. For example, a month insurance will cost around 20 euros for the limit to 10 thousand, but for a twice as large limit, the premium contribution will be € 30. Of course, citing the exact price is impossible, since there is huge difference between the various contracts , depending on the risks covered and the limit of benefits. One thing is certain, however - no matter how much you pay the  investment is worth it.Because, as we do not want to think about it while filling the suitcase - accidents happen. Through various types of insurance, you not only gain support in the case of trouble, but also peace throughout your holiday.