What are the main guarantees of travel insurance and how do they work?

Traveling medical assistance

If you need health care in Italy or abroad, the first thing you need to do is to contact the company’s 24-hour Assistance Center. If the telephone company allows it, you can make a chargeable call to the recipient and facilitate the data that the company will need to facilitate health care: name of the insured, policy number, contact telephone, brief explanation of the facts and your location. For this reason, during the trip, it is essential to have this information with you at all times, you can find it in the certificate that you will receive by email once you have purchased the insurance policy.

Depending on the type of medical care you need, you will book a visit to the nearest Medical Center or hospital to treat your health problem. Travel medical insurance provides access to the best public and private hospitals in Italy and abroad. In this case, you will not need to advance money to receive health care, because the insurance company, in contact with the hospital staff, will ensure that the latter provides you with the health coverage appropriate to your specific case. In the case of minor health care expenses or small pharmaceutical expenses, they will be reimbursed upon presentation of invoices and receipts to the company.

Travel accidents

The insurance company will provide compensation in the event of accidents occurring during the trip caused by violent and unintentional action. Compensation is provided in the event of an accident, permanent disability or death.

Baggage insurance

Baggage insurance covers and protects against all baggage problems that may arise when you travel and that may be multiple: your luggage is not delivered to you, the airline delays the delivery of your luggage and you are forced to buy items of basic necessity to continue your journey, your luggage is lost by the airline or, during the outward journey, your luggage was stolen.  The travel insurance will help you not only to recover your luggage, but also to be reimbursed for the expenses you had to incur or to receive compensation for the value of your luggage in case it was impossible to find it.  

Liability

Also, for third party liability, commonly known as RCT, it is strongly recommended to take out travel insurance. When traveling, in addition to medical expenses and repatriation, it is very important that the policy includes Civil Liability coverage. If you involuntarily cause damage to a third party during your trip, you can recover your compensation and legal costs with Inter Mundial’s Civil Liability travel insurance. 

Air delay

Usually a delayed flight or cancellation of a flight are some of the major concerns for travelers. Travel insurance is very useful in such cases, helps to speed up the resolution of the problem and offers financial compensation.In addition, this type of policy protects you if, due to your delayed flight or flight cancellation, you lose some previously contracted bookings, such as hotel nights, excursion tickets, etc., and you are unable to pay for them.

For more information, please visit: https://www.schengenvisaitinerary.com/