Insurance of travelers abroad, apply for a policy for visa, travel and outdoor activities!

Life insurance for travellers in the Schengen area is key to ensuring safety and protection against financial risks in the event of illness during travel or accident. This is especially true as insurance is one of the requirements for obtaining a visa to the Schengen countries.

The main reasons why traveler life insurance is an important aspect:

1. Medical expenses: In case of illness, the insurance policy will cover medical expenses, including doctor’s consultations, hospitalization, operations, medicines and even transportation to the country of residence, if necessary.
2. Evacuation: In case of serious illness or injury, the insurance company will provide evacuation and transportation services back to the country of residence.
3. Accident insurance: In the event of death or disability as a result of an accident, insurance or cost compensation will be paid.
4. Responsibility to third parties: Civil liability insurance will compensate damages to third parties in case of damage to other people or their property.

Calculating the cost of travel insurance depends on several factors, such as age, length of stay, amount of insurance coverage and other additional services. The approximate cost for insurance per person can vary from 5 to 20 euros per day depending on the plan chosen.

For example, for a family of four (parents and two children) for a period of two weeks, insurance can cost about 140 to 560 euros, depending on the plan chosen and the insurance company.

It is important to choose an insurance that suits your specific needs and provides the necessary coverage in the event of unforeseen circumstances during your trip.

Inexpensive travel insurance usually includes a limited set of risks and minimum insurance amounts required to apply for a visa. When planning outdoor activities or participating in extreme sports during the trip, it is important to point this out when choosing insurance. It is recommended to include the risk of an accident in the coverage, so that in the event of an injury, the insurance company pays additional monetary compensation.

Basic policies don’t always provide protection against exacerbations of chronic diseases, so it’s important to look closely at what’s included in coverage, especially if you’re traveling with parents or children. Additional services, such as help for allergic reactions, sunburn, alcohol intoxication or pregnancy complications, can be added to insurance for an additional fee, although some risks may already be included in the basic package.

Research the offers of insurance companies and choose the most suitable for your trip. Have a nice trip!

 

In matters of choosing a company and the cost of the policy will help our regular and reliable partner "Insurance Agent" For communication: phone + 79826938563 . WhatsApp WhatsApp. TelegramE-mail: 1005-ins@bk.ru.

 

What is Travel Insurance?

The term "VZR" refers to travel insurance for travel abroad and within Russia. This type of insurance is also known as travel insurance, travel insurance or travel insurance, all of which refer to the same product.

The VZR policy may be issued to obtain a visa when traveling abroad, as well as to provide protection in emergency situations, such as covering the cost of emergency medical care in case of injury.

With us, you have the opportunity to purchase a VZR policy both for traveling abroad and for traveling in Russia. Travel insurance can be issued both for a short period (up to 90 days of general stay in one country) and for a long period of stay abroad (validity in one country is not limited).

A travel policy in Russia will be useful for paying for treatment in private clinics, buying medicines and paying for accommodation after discharge, which is usually not included in compulsory medical insurance (MHI).

 

Why do I need travel insurance?

Travel insurance may be required to obtain a visa and protect you from unexpected expenses while traveling both abroad and within Russia.

To obtain a visa, a medical policy is required, for example, for Schengen countries, the United States or Canada. The cost of medical treatment abroad is high, so foreign consulates require the availability of insurance to ensure the payment of medical care costs.

Even if travel to countries with simplified or visa-free travel insurance is not mandatory, we recommend not to take risks and always conclude an insurance contract before traveling.

In case of an incident, tourists can contact the round-the-clock customer support line of the Insurance Company specified in the policy via chat or by phone. The operator of the insurance company will clarify the details of the incident and transfer the application to the service company (assistance) or organize an online consultation with the doctor.

 

How does the insurance company provide assistance abroad?

Employees of the service company will help to find the nearest clinic, organize hospitalization or outpatient treatment, provide a letter of guarantee to confirm payment and coordinate the actions of the tourist by phone. Without insurance, you will have to search for a clinic and pay all the costs.

If you have the option "Cancel travel" policy allows you to refund the funds for a tourist ticket, tickets and hotel reservation, if the visa was rejected by the Embassy.

Insurance abroad covers medical and transportation costs ranging from 30,000 to 100,000 in euros or dollars. The amount of coverage and currency tourists choose when making the contract. For travel in Russia issued a policy with coverage of 600 000 or 1 000 000 .

 

What does travel insurance include?

The Traveler’s Policy from the Insurance Company provides the following coverage:

1. Emergency outpatient or inpatient care in a private or public clinic.
2. Emergency dental care in case of tooth injury as a result of an accident or acute inflammation of the tooth and surrounding tissues.
3. Medical transportation or evacuation.
4. Prescription drug costs.
5. Accommodation after treatment and before departure.
6. Organizing a visit by a third party in an emergency.
7. Early return of children in case of hospitalization of the insured.
8. Communication costs for sending emergency messages and receiving medical information.
9. Posthumous repatriation costs.

 

In addition, all policies for tourists include payment for emergency medical care in the event of:

1. COVID-19 disease abroad. When traveling in Russia, it is also recommended to issue a compulsory medical insurance policy (MIS), since in Russia, coronavirus treatment is carried out only in state medical institutions.
2. Sunburn.
3. exacerbation of allergic reactions.
4. Exacerbations of chronic diseases.
5. Dengue fever.
6. Natural disasters and terrorist attacks.

Additional options can also be added to the insurance to compensate for forced expenses in case of cancellation of a trip, loss of luggage, damage to other people or the need to receive paid legal assistance.

 

What is assistance?

Assistance is a company that helps clients of the Insurance Company in traveling abroad and in Russia, organizing treatment, hospitalization and solving related issues. This company is also called a service company.

When an insurance event occurs, tourists can contact the operator of the Insurance Company in a chat or by phone, which, depending on the situation, will forward the application to the assistance or provide other assistance.

 

What are the benefits of insurance?

1. Insurance for any case - policies of different types for different types of recreation and activities.
2. Possibility to include baggage, equipment or sports equipment insurance, as well as travel cancellation and other risks.
3. Making a policy online is a convenient process through an application or website.
4. Round-the-clock support – staff are always available to help chat or by phone, and provide online consultations with doctors.
5. Without hidden restrictions – no additional limits on health insurance.
6. Cooperation with the largest service companies that speak Russian and work around the clock.
7. Without secret restrictions, there are no additional restrictions on health insurance. In addition to the costs associated with unexpected illness or injury, the insurance contract also covers the costs of emergency dentistry, exacerbation of chronic diseases and COVID treatment.

 

How does the insurance company support travelers?

We cooperate with several major service companies, such as Best Service Assistance, Eurasia Assistance and Balt Assistance. Employees of these companies speak Russian and operate around the clock.

In case of an insured event, tourists contact the operator of the Insurance Company via chat or phone. The operator clarifies the details of the incident and sends the request to the service company, or organizes an online consultation with a doctor who speaks Russian, if the situation is not critical. What to do if there is a health problem during the trip or another insurance event.

 

Read more about the rules and registration of Schengen visas in the description.

For advice on visa processing for travelers, write to our partners in Whatsapp or Telegram+7 912-052-47-52, E-mail:magtour@66.ru

Quick registration of insurance policy for visa application and travel and other purposes is made by our permanent and reliable partner "Insurance Agent". For communication: phone + 7 982-693-85-63 . WhatsApp WhatsApp. TelegramE-mail: 1005-ins@bk.ru.

• Get the policy online in 15 minutes
• Operational communication and consultation with a specialist
• Have a choice of several leading insurance companies
• You can choose a policy for any situation and budget!