Travelers Insurance

Travelers insurance, travel insurance is one of the most important types of insurance that many people may not need unless they forced by the country to which they go, despite its role in preserving the traveler's property and luggage, and even protecting him from any danger that may be exposed to him. As it protects the traveler from suffering any loss of his property or luggage.

 Let's get to know the most important types of travel insurance

Travelers insurance and the most important types of travel insurance

Health insurance: includes coverage for medical expenses, especially during emergencies or personal emergencies accidents

Insurance against a group of accidents, including: cancellation or shortening of the flight duration, missed flight departure time or delayed arrival in time, loss of bags in travel and transport of the body

Liability towards third parties according to the conditions and exceptions described in the insurance policy and means the rights of others

Ways to obtain documents for travel insurance

Some companies and some airline associations sell travel insurance directly to travelers

This policy can also purchased through tour companies, including airlines, cruise lines, and tour operators, who provide optional insurance directly to consumers

Sometimes this document is mandatory, as certain countries require that it be obtained before traveling to it

The cost of the travel insurance policy

Travel insurance obtained even today before you travel from some insurance companies

The earlier the policy purchased than the date of travel, the better

Travel insurance usually costs between 4% and 8% of the non-refundable prepaid trip cost

The policy may become more expensive if the insured is older or engaged in a risky activity that makes the claim more in this case

Duration of documents travel insurance

Insurance companies contract with travelers for a period ranging between 8 and 90 days in exchange for an agreed upon insurance premium

This service is only valid for a period of 90 days, and if this deadline is missed, the policy  owner will not enjoy these services

Some insurance companies conclude special contracts for a period that exceeds 90 days

Services covered by travel insurance policy around the world

Baggage delay, loss or theft	Flight delayed
Personal funds	Covering home care expenses while traveling
Cover against looting	Loss of travel documents
Missing coverage of an event	Cover missed trip unbroken
Fraud using credit cards	Legal aid coverage
Lost or stolen personal computer	Personal responsibility

 

The companies providing assistance services also determine the net insurance premium, in view of the number of travelers,

If it concerns a group of people traveling on the same flight and heading to the same country 

Family coverage that includes husband and wife, all family members, and an unlimited number of children

  Within the framework of tourism groups such as (Umrah, Hajj, and organized trips), where the insurance subscriber pays the premium for the beneficiaries of the assistance contract guarantees within the framework of a group contract that provides differential prices compared to individual insurances 

For this purpose, the insurance subscriber is completely free to choose the insurance agency that provides him with immediate assistance during his travel and to pay for that the insurance and an appropriate premium with the insured risk reality

Is there a law that allows companies to keep the aforementioned sums in case of canceling travel for any compelling reason such as not obtaining a visa

Most insurance institutions are keen to return the insurance premium paid by the insured after deducting the contract expenses from the value of the premium in the event that the insured does not obtain the required visa or for some other compelling reason.

 As for the insurance bodies that do not enable their insurers to return, this is due to the fact that the contract The one that you entered into with the assistance service providers expressly states that the insured is not entitled to demand the return of the insurance premium, whatever the reasons for refraining from travel 

With the many benefits provided by the international travel insurance policy, we should not assured of the statements of the representatives or marketers of travel insurance policies. Rather, we should read very carefully all the terms of the insurance policy before we conclude it to know the scope of coverage, the amounts of compensation, exclusions and conditions that the company has set in its insurance policy

Also the duties that dictated by the insurance policy  

Most banks in many countries provide their customers with free multi-trip international travel insurance for every member of the family as well for a very small amount. International travel insurance can added with the annual car insurance contract

What are the most important advantages of travel insurance

Travel insurance gives peace of mind while traveling abroad through several integrated insurance programs that meet personal needs

 The insurance coverage comes with everything the insured expects, in addition to many special benefits.

 The benefits provided by this policy begin even before boarding the plane in the event of canceling the flight, as the insured is entitled to an amount of money in compensation for canceling or missing the flight as a result of an emergency situation or shortening the flight duration

The most important and famous company for travel insurance in Egypt

AMIG Arab Misr Insurance

Arab Orient Takaful Insurance Egypt

AROPE Insurance Egypt

Egyptian Saudi Insurance House

Egyptian Takaful Insurance

Iskan Insurance - an Egyptian joint stock insurance company, Iskan Insurance

Mohandes Insurance

Suez Canal Insurance

Wethaq Takaful Insurance

Chartis Egypt, the insurance company

Allianz Egypt

BUPA Egypt Insurance

Delta Insurance

Gras Savoye Egypt

Chartis HSBC Premier Card

Tokyo Marine Egypt Nile General Takaful Company

The Egyptian Association for Cooperative Insurance CIS Egypt Co. Operative Insurance Society Egypt

This was an overview of the definition of travel insurance, its importance, types causes, and risks, the prices of its document, the services provided by this document, the cost of this document, and the most important and most famous companies that provide travel insurance. We wish you good readers