Five countries where travel insurance is mandatory
Unlike car insurance, travel insurance is not mandatory. Except in five countries where a certificate of insurance covering medical expenses and repatriation will be systematically required at the airport and, therefore, strongly recommended when purchasing a plane ticket or a stay. It comes to China, Mongolia, Russia, Algeria and Cuba.
For the first three, this can be explained by an insufficiency of medical personnel and the large size of the territory. Cuba, be careful because the insurance company chosen must be certified by the embassy or consulate of cuba.
read more : travel Insurance : all of our practical information In other countries, the medical costs are high, E united States in the lead
outside of these exceptions, travel insurance remains optional in the majority of countries in the world. However, some of them deserve particular attention for two reasons: the medical expenses are particularly high and the maximums stipulated by the insurance of bank cards are rarely sufficient.
” It is necessary to pay attention to the ceiling and to the deductible of medical costs for emergency care (hospitalization, dental care or optical care emergency). This ceiling must be high in countries where the medical costs are very expensive. However, the ceilings of the bank cards even top of the range are insufficient in these countries, ” explains David Dumont, CEO of the comparator Insurly.
Among the destinations more expensive in terms of health-care costs place it at the forefront of the United States. “This country shows that medical costs up to five times higher than in France : it takes $ 80 for a consultation with a gp, nearly $ 100 for a cream after a burn and, sometimes, several tens of thousands of dollars in the event of hospitalization,” recalls Amina Walter, chief executive officer of the site Lelynx.fr.
topical Example : a hospital Covid-19 is billed on average $ 70,000 for six days. Not surprising in these conditions that the rates proposed by the insurers, travel specify often the reference to “outside USA” or ” USA ” and because the financial stakes are not the same !
read also : Coronavirus, travel and cancellation insurance : are you really covered ? In countries where medical expenses are high, it is better to compare travel insurance
Are also affected by rates health care cost-prohibitive in countries such as Japan, Canada, the United Kingdom, Switzerland, Qatar, hong Kong and New Zealand.
If you go to one of these destinations, please do not hesitate to assure you correctly, by comparing the contracts of the market, as a simple sprain or a toothache can quickly lead to billing shocks. It must be said that some countries are very tourist does not want to do any more support for their health system consequences of mass tourism.
” There is a drift significant in the average cost of medical expenses abroad. Before, the United States were singled out for their medical bills exorbitant. Now, it is necessary to count also with the dominican Republic, Turkey, Australia… ” adds Quentin Poizat, director of commercial Tourism and Recreation among Allianz Partners France.
read more : travel Insurance: why it is crucial to take the time to compare Canyoning, diving… for these activities, avoid bill shocks
Finally, there is also the country with the specificities risky in terms of health, such as Thailand, where the scooter rental is very easy and the headphone port is not required. “Accidents are many and can quickly encrypt” confirms Amina Walter of the Lynx.fr.
, Or the popular destinations for their diving sites or canyoning, accidents are statistically more numerous. It can also be from countries where systems of public health are weaker or non-existent, and where the western traveller will be systematically referred to a private clinic, to prohibitive prices.
Overall, as soon as one plans a trip a little “roots” which is off the beaten path, it is better to subscribe to a complementary insurance. In fact, only the repatriation is still supported ” the real costs “, including guarantees of bank cards. For all other expenditures, it will be necessary to fix anything that exceeds the ceiling provided for in the contract…
Coronavirus and cancelled trips: assets, reimbursement, insurance, etc. that apply to your stay
insurers (sometimes) supportive
Fortunately, for travelers who have a insurance before going to a country expensive or at-risk, the insurers (and their support) will show the supportive. “I remember the tragic example of a young girl who was hit by a car in the United States. The medical expenses amounted to 680 000€ while our ceiling was 500 000€. We would have been able to request the refund of the overflow to the insured. But we have been able to support 180 000€ remaining by a guarantee of assistance included in another contract of the family, then there was an appeal against the hit, ” says a sales director of a platform. Another case, “sometimes, if the insured did not have the means to pay, our teams “cost efficiency” can negotiate medical fees with hospitals in place.”
The editorial team conseille12 trips few and far anticiperCoronavirus and cancelled trips: assets, reimbursement, insurance, etc. that apply to your séjourAssurance cancellation of trip, mode of emploiSujetsTourismeTourisme and santéPratiqueassurance voyageAucun comment
there are currently no comments on this article.
Be the first to give your opinion !
I write a comment
