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Stojí cestovní pojištění za náklady nebo za ztrátu peněz?

chřipka
chřipka
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Napsáno editor

Vacations plans are disrupted for all sorts of reasons. Is it worth the extra cost of

Vacations plans are disrupted for all sorts of reasons. Is it worth the extra cost of cestovní pojištění to protect your trip? Snowstorms, hurricanes, missed flights, or a case of the flu may all ruin countless vacations each year. To protect against such unexpected disasters, many travelers have turned to cestovní pojištění. But before you go out and add to the cost of your getaway make sure you understand what is covered and what is not.

Dva hlavní typy cestovní pojištění are very different. The first, called trip cancellation insurance, is aimed at protecting travelers if they miss a flight or cruise or suddenly get ill before heading off to the beach.

Druhé, zdravotní cestovní pojištění, se zaměřuje na zdravotní problémy, které mohou nastat při cestování, většinou v zahraničí, které nepřijímají americké zdravotní pojištění.

“Generally, cestovní pojištění is a broad topic and is very confusing to most travelers,” warned Chris McGinnis, business travel expert for Best Western.

Pojištění zrušení cesty vás chrání, pokud si rezervujete cestu, která vyžaduje zálohu nebo zahrnuje něco nevratného, ​​jako je letenka nebo plavba. McGinnis uvedl, že tyto zásady obvykle zahrnují zrušení z celé řady důvodů „od vašeho osobního zdraví nebo pracovního stavu po přírodní katastrofy“.

"Existuje také pojištění přerušení cesty, pokud se musíte vrátit předčasně a chcete vrátit peníze," řekl.

It is best to buy such insurance as close as possible to booking to ensure that you can collect the benefits. For instance, if you try to buy insurance after a hurricane is forecast for your destination or dates… well, it’s too late.

“The most important thing is that you want to consider cestovní pojištění if you are planning a very expensive, prepaid vacation,” said Jeanne Salvatore, a senior vice president at the Insurance Information Institute, a non-profit education organization funded by the insurance industry. Basically, that would mean you should get insurance for big cruises, ski vacations, or organized tours.