Every tourist insurance supports a number of situations, however, the number can be limited depending on the type of insurance and its price. Yet, there are several cases which are usually omitted by insurance even if it is pretty costly. In particular situations, it might happen that one could benefit from such points in the document. Fortunately, many insurance companies will add these points to your standard travel insurance for additional payment.
It will be useful for you to know, what exactly can appear handy for particular groups of travellers.
No matter how good a pregnant woman feels right now, it is extremely important to add a point to the insurance regarding possible difficulties related to the pregnancy. First of all, a pregnancy itself is a rather unpredictable condition. Secondly, travelling to another country especially with a different climate, time zone or level of hygiene can cause complications with pregnancy.
The best practice will be purchasing insurance with extended offer for pregnant women. Even if it turns out that one does not need it and the entire trip is absolutely safe, it is better than not purchasing such insurance and getting into severe financial problems coming with a need of getting a treatment abroad for a complete price.
Tourists with children
Adults can successfully live through some health conditions without medical attention, however, it is not the same for young children especially if they are travelling to the country of destination for the first time. For this age group, it will be a good idea to pay extra money for adding such points as allergies and burns to the insurance.
The general rule for the insurance practice is that people younger than 65 years are not in the group of people with higher health risks. People, who have already reached this age group will have to pay more for their tourist insurance depending on their age. The higher it is, the more a person will have to pay for the insurance.
An elder person should take into consideration one’s health condition and add all the necessary point to the insurance. For this group of tourists, a good decision will be adding a point for compensation for a third person’s trip and stay in the place of destination in the case an elder tourist will need help of another person.
People with chronic health conditions
Undeniably, for this group of tourists everything depends on the exact health condition. Think carefully about it and consider adding to your insurance not only an option of medical help in the case of the attack of your disease but also some extra points for example, compensation for the return home after treatment.
People with disabilities
When it comes to people with disabilities, they should be particularly attentive while choosing tourist insurance otherwise they are risking to get into a situation in which no one will return them any money. It is crucial to find an insurance company with transparent policy and rules.
Finally, if you are a person without any chronic diseases who is planning a short trip abroad and you are not afraid of a possibility of losing your luggage, basic insurance might be enough for you. Yet, you might find it handy to add another case for compensation which is receiving medical help while after consuming alcohol. This point is usually excluded from insurance, albeit it can be crucial for different tourists. Even if you are not a heavy-drinker, there is no guarantee you will not be unlucky to have a glass of alcohol of poor quality which is a rather widespread situation in some countries.