It is these dates, it is very common to plan a trip during the summer holidays. When planning a trip, the risks that can occur during it are often forgotten, especially if we go to certain countries abroad.
What risks are there on a trip?
The increased activity, the change in eating habits, and other factors may involve medical emergencies, accidents, allergies, etc. This would entail the need to go to medical centers, the use of emergency services, the purchase of medicines, etc. In the most serious cases, it may be necessary to repatriate ourselves or our family in a medical plane, or in the worst case, the repatriation of the mortal remains.
There may be incidents with luggage, flight cancellations or family needs that involve returning home. This type of unforeseen event would cause added expenses to replace your luggage, purchase new tickets, etc. We may also be compromised by an incident in which we have caused personal or material damage to a third party, and have to face compensation.
What does travel insurance cover?
Travel insurance covers all the emergencies and unforeseen events that we have just discussed, and even more coverage and assumptions. There are certain insurances such as medical insurance, or home insurance, which include some travel insurance coverage, but we may be wrong if we consider that with this we already have our travel risks covered. We advise you to take into account the following:
- La medical assistance abroad, of most medical insurance, does not exceed €12.000, and there are even insurances with lower amounts. Depending on the country, and the severity of the illness or accident, it may be totally insufficient, and cause a real problem. For your peace of mind, we recommend that medical expenses have a minimum capital of €50.000.
- The luggage loss or theft of most home insurance have very low limits, and usually only cover damage that occurs in hotel rooms
- None of these insurances will compensate you for a overbooking your flight or a delay in your means of transport, and these are the two most common reasons for complaints from Spanish travelers
Travel insurance offers you a solution to all the aforementioned circumstances, at more than reasonable prices.