A travel insurance policy is a document that, if necessary, will protect the property interests, health and life of a tourist. Usually travel insurance includes medical insurance and accident insurance. At the request of the tourist, you can insure against such unforeseen circumstances as flight delays or cancellations, loss of luggage or documents, etc.

What should you keep in mind when taking out travel insurance?

Lack of a policy can cost a tourist quite a lot. For example, in Norway, an appointment with a family doctor for uninsured persons will cost from 20 euros, an appointment with a specialist doctor in the Czech Republic - from 30 euros. A day of stay in a hospital in Germany is about 125 euros. And calling an ambulance in Switzerland in the absence of an insurance policy can cost 800 euros.


If you are going to engage in sports or outdoor activities during your trip, you should foresee this in advance and select the appropriate policy. Otherwise, in case of injury or accident during activities, the insurance company may refuse compensation. It should be noted that the type of sport and activity that you will engage in affects the price of insurance. Swimming, for example, will be cheaper than skiing. And extreme activities such as mountaineering or parachuting will cost even more. Read more about it at american-reia.com


From 2020, tourists should also be aware of the risks associated with COVID-19. This may be the need for treatment, additional testing, or even quarantine in the host country. Covid risks must be specified in the policy.

Why is travel insurance recommended for travelers anyway?


It should be remembered that when traveling to countries with a visa regime, it is very likely that one of the conditions for issuing a tourist visa is the presence of travel insurance. For example, Egypt, Thailand, the United Arab Emirates, Israel, Jordan, Singapore, Sri Lanka and other countries make travel insurance a prerequisite for entry.


As for visa-free countries, such as the Schengen area, travel insurance may also be asked at the border with them to confirm the tourist purpose of the visit. Note that the border guards of any country have the right to refuse entry to a person if they consider the purpose of the visit unreasonable.

You should read about twisting in insurance and this will give you the opportunity to increase your knowledge in this area