Continuing the theme about the travel insurance launched in the previous post about health insurance, let's talk about another possible risk for tourists - not to leave the country. What is in these cases can help the travel insurance?
With medical insurance for tourists, like, everything is clear. It is made mandatory, and in some consulates (for example, almost all European) is required at the stage of issuing visas. Surcharge only for expansion options (the list of cases in which insurance coverage is made) or increase the sum insured. A so-called " Insurance on his own recognizance "- It is purely voluntary, and offers agencies often as an additional service. If we take into account that the price of insurance on his own recognizance ranges from 2, 5 to 5% of the tour price, the amount obtained sometimes noticeable. Therefore, tourists just need to know - what he pays for money and what is included in the concept of "house arrest abroad."
Relatively standard insurance on his own recognizance I have divided into two categories, depending on the reasons - "disease and contingencies" and "absenteeism / delay the visa."
In the first case, the insurance covers such risks (cite the most common types of policies from different insurance companies can have different "sets"):
- Hospitalization tourist or family member (only the presence of sick leave, no matter what the diagnosis, the insured event will not occur);
- Death of a tourist or a close relative (a circle of close relatives determined by the contract or the insurance rules, and if it has not been determined - the Family Code of the Russian Federation);
- Summons (assuming that at the moment of the insurance policy was not aware of the call);
- Conscription;
- State of emergency in the house (apartment) tourist - fire, flood, robbery and so on. N. (Insurance contract may contain a clause that the payment is made only if the amount of damage is significant and has a significant impact on the financial position of the tourist).
That is, this insurance will be useful for travelers with children, elderly people, and just for all who plan their holidays in advance and, as any sane person can not foresee what will happen in six months with him or with the nearest environment . And when you consider that on the eve of leaving the actual costs incurred tour operator and travel agent equal to 100% (ie, tickets issued, hotel and paid for your tour is ready for implementation), then get their money back for the ticket is real only if the insurance on his own recognizance . Once again I draw attention to the fact that in all cases it is necessary to have occurred as many documents - medical certificates, certificates of the housing department in the event of accidents to the apartment and t . P . Banal and self runny nose without seeking medical attention insurance case almost never recognized, since you can not prove to the insurance company of the seriousness of the reasons for his own recognizance .
Now consider the second option of insurance on his own recognizance, which in addition to all of the risks "in distress" also included the option " refusal of a visa ".
In this case, the insurance assumes a case where a tourist is issued a visa to enter the country of destination and the refusal to put . The reasons for visa refusals may be many, but not all of them mean unconditional payment . The main problem of this type of insurance can be called that some foreign embassies do not explain the reason for the refusal of a visa, or write it formally . And since the insurance company can not establish the fault of the tourist (eg, illegitimate documents) or at the initiative of the Embassy of the tourist was refused a visa, then, accordingly, it can not take a positive decision on the insurance payment . This problem can be solved or a personal visit to the embassy for a tourist explanation of the reasons for refusal, or by a travel company that can provide proof that all the requirements of its embassies were observed (a set of documents, deadlines) .
It is important to remember that the cost of the visa in most cases, the tourist loses, since under the terms of filing, no visa, consular fees are not refundable and the insurance company would not pay for them.
There is still time in the insurance on his own recognizance - untimely exit visa . That is, you have to fly on Friday, he got a visa on Monday, it happens, especially in the high date holidays . But the visa came, without failure, and for the entire period that you asked! By the time already lost 2-3 nights in a hotel, plane tickets, and almost himself Vacation . So, some insurance companies cover such risks, and - here it is important to immediately read the Terms, or check with your travel agent, if such an option is included in insurance . If only includes the refusal of a visa, and the delay is not regulated, it is possible to stay and no part of the holiday, and incur unnecessary costs, not to mention a refund for a ticket . By the way, the delay in the issuance of visas can occur not only on the initiative of the Consulate, but the fault of the travel company when filing delayed and failed to comply with time allocated for a visa . To avoid then "showdown", when applying for a visa package recommend taking an inventory of the documents handed over by you (this will eliminate an option "and you have not told a piece of paper"), which will be the date of filing and the mark (stamp) on the adoption of travel agencies . And it is better to not tighten visa procedures, collect the documents ahead of time - Travel agencies and tour operator also need time to design a package and introducing it to the consulate.
If an insured event on his own recognizance yet come, we have to act, as in the case of health insurance: call support, which is specified in the policy. There will prompt what documents should be presented in a particular situation. You can also contact the travel agency, which is to issue policies - it can contact the insurance company, plus provide any documents on the tour or visa, if necessary.
* In the next installment of the blog, completing the theme of travel risks, talk about the loss of luggage and traveling insurance.
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