If you have never had a need to purchase tourist insurance, you might be wondering what the sense in getting such documents is. While the majority of people associate tourist insurance with the possibility of getting medical assistance abroad, there are other functions of such documents too. Check the purposes of tourist insurance in this short guide.
Compensation of the costs of using the healthcare services abroad
Depending on the country you are from and the country you are planning to go, the differences in the costs of the healthcare services can be immense. In some situations one will not just spend too much money on treatment abroad, but can actually go bankrupt because of it. Certainly, you do not want to have such an experience.
In case tourist insurance is chosen properly, you will be able to get significant refund for the money spent on the healthcare service abroad.
Other types of refund
When it comes to travelling, anything can happen. For example, you paid for a trip in advance only to find your personal life change to the extent of not allowing you to go anywhere. Tourist insurance is the service which can help you get refund in such a case.
Another popular situation happening to tourists is getting their baggage lost by the airport stuff or having it damaged. With tourist insurance, you will have a chance to get refund for it as well.
In some cases you can even apply for refund if your plane is late.
A possibility of getting a visa
Actually, there is a large number of countries which will not allow their visitors to come without insurance. Usually, insurance is required at the moment a person is applying for visa.
The list of such countries is truly large and it includes the countries of the Schengen zone as well as a number of other European countries such as Romania, Bulgaria, Montenegro or Croatia. Other popular destinations which can be visited only with health insurance in case you need a visa are Japan, Canada and New Zealand. Note there are many other countries with such a requirement.
It is crucial to understand there are particular demands when it comes to the insurance needed for receiving a visa to a particular country. For example, the residents of the countries who has to purchase Schengen visa, will have to purchase insurance worth of minimum 30 000 euros. Yet, in the majority of cases there are no complex demands for such insurance.