Short-term or continuous travel insurance?

What is Travel Insurance?

Travel insurance is a damage insurance, which complements existing insurance such as health insurance and contents insurance. The travel insurance covers only the costs that other insurance did not cover.

 

There are two types of travel insurance: short-term and continuous travel insurance. But for you there is one exit, it is smart to ask yourself whether you have travel insurance needs.

 

Short-term insurance

Short-term travel insurance is also called “descending travel insurance”. With a one-time, short-term travel insurance are insured. So if you go on holiday once a year, which is the cheapest option. You can close this insurance before your departure.

 

Continuous travel insurance

If you often per year on vacation or a weekend away, is comprehensive travel insurance recommended. You are then assured all year round and do not require every trip a new travel insurance. Comprehensive travel insurance is cheaper than quickly.

 

Insurance coverage

Whether you need travel insurance, depending on your destination and how you are insured. If you go on holiday in the country, is travel insurance in principle necessary because certain costs are covered by your current insurance. If you go abroad, you may be wise. Often, however, from travel insurance coverages for which exist through other insurance you already are insured.

 

What is the coverage of travel insurance? Travel insurance covers the costs of loss or damage of your property. But also, for example, the cost of transport in an ambulance or staying at a hospital abroad is compensated.

 

What is a cancellation insurance?

Cancellation insurance refunds the cancellation fee if the trip is canceled or offset a portion of the fare if the trip is canceled. There must be question of an incident that is mentioned in the policy conditions. For example, it then goes to the death of a relative, physical damage of the property of the insured, a medically necessary surgery or unemployment as a result of an involuntary dismissal.