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It protects you against many eventualities during your trip, especially health issues.
Summer is the perfect season to disconnect and explore new destinations, but any trip can face unforeseen events, no matter how well planned. Having the right travel insurance is essential to traveling with peace of mind and safety. At Dylsi, an exclusive AXA Insurance agency, we explore the most important aspects covered by travel insurance and provide tips for choosing the one that best suits your needs.
Essential travel insurance cover
- Theft, breakage, or loss of luggage: One of the main fears when travelling is that your luggage will get lost or damaged. A good travel insurance policy covers these unforeseen events, compensating the traveller for the value of their stolen, damaged, or lost belongings up to the established limit.
- Cancellation of the trip: Unexpected circumstances may force you to cancel your trip. Travel insurance can reimburse cancellation fees for flights, hotels and other pre-paid services if you cannot travel due to illness, accident or other adverse circumstances.
- Civil liability: Travel insurance protects the traveller in the event of damage caused to third parties, covering personal and material injury.
- Health and medical emergencies: Medical cover is crucial in any travel insurance. It includes medical assistance in case of accidents, sudden illnesses, emergencies and, in extreme cases, repatriation if medically necessary. It is important to note that these insurances do not cover pre-existing illnesses or diseases.
Travel without worries – a travel insurance might help.
What to consider when taking out travel insurance
There are many types of travel insurance, and choosing the right one depends on several factors. At Dylsi, we know what questions to ask and will advise you to ensure you get the necessary coverage.
- Risky activities and sports: If you plan to do activities such as climbing, diving or any other dangerous sport, you will need specific insurance to cover possible accidents related to these activities.
- Cruises: Cruise travel may have specific coverage requirements due to the nature of the trip.
- Age of the traveller: Coverage varies according to age. It is essential to check the policy limits for travellers over 60.
- Coverage of expenses at the destination: It is preferable to opt for insurance that covers expenses directly in the country of travel, thus avoiding the need for the client to advance money.
- Travel destination: Some destinations, such as the United States, require special coverage due to high healthcare costs. Always check the specific insurance conditions for the country you are travelling to.
When taking out travel insurance, it is also interesting to know whether you only need coverage for a specific trip or if you are a frequent traveller. It could be beneficial to take out annual insurance. We recommend taking out insurance before you set off on your trip, as there are waiting periods to consider.
Already have travel insurance and don’t know it?
Suppose you plan to travel this summer and want a safe holiday with maximum protection for you and your family. In that case, Dylsi recommends that you check whether you may already have travel insurance coverage through other insurance. Many health insurances include travel assistance, so it is advisable to check your current insurance coverage. The same applies to death insurance. Also, many credit cards offer travel insurance as part of their benefits. It is crucial to find out and check the limits of these insurances in terms of expenses, duration of the trip and destinations covered.
With our professional advice, we want to help you determine whether you need travel insurance and choose the insurance that best suits your needs and the characteristics of your trip. Remember to learn about the coverage and conditions before embarking on your adventure. We wish you a safe trip!
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