“Res never uninsured – it can be expensive”
“Right now, planning many a trip abroad. nMen res the right of the insured, sometimes you need travel insurance but don’t be fooled – often enough your home insurance. it can otherwise be expensive if an accident occurs. “
“That traveling abroad can be an expensive affair if you are not correctly insured and will be forced to pay out of your own pocket. Treatment abroad and repatriation by air ambulance in the worst-case cost just over a million dollars. “
“– A daily hospital treatment in Thailand costs 10-15 000 sek and in the united states 50-100 000 dollars depending on which state you are in. Air ambulance home from the US can cost a million dollars. To not be properly insured could be financially disastrous, says Gabriella Hallberg, a lawyer at the Consumers ‘ insurance bureau.”
“But quiet – is often enough to your home insurance for a normal holiday trip. In all home insurance includes travel insurance that is valid in 45 days. Although it sells many travel agents special travel insurance and many are buying them, which often is a completely unnecessary expense.”
“you’ll get sick and bedridden on the trip, you can often get compensation for the ruined vacation days (unused travel costs). Don’t forget to go to the doctor as soon as you become ill with, since the insurance only replaces from the first day with the medical certificate. And save original receipts for medical costs.”
“– With a home insurance policy will get you far. If you should not indulge in any risky activity, to be away longer than 45 days or are pregnant at a late stage for example. Then you may need to supplement, ” says Gabriella Hallberg, and stresses:”
” it is Important in this context is to be observant if you have an ongoing illness. Many rely on their doctor’s medical judgment, but you should find out what your insurance covers. It usually requires you to be was free of symptoms during the specified number of months to be eligible to claim compensation in the event of acute deterioration on the trip.”
“Otherwise sufficient home insurance most of the time. Travel protection provides reimbursement for the main skadehändelserna that can occur, and medical expenses.n– But it is important that you keep an eye on what applies to you and your insurance, ” says Gabriella Hallberg. “
“not many know is that travel protection in the home insurance also applies when travelling in Sweden if you are gone at least in at least two days. “
“Strengthen the country”
“Worth thinking about on a trip abroad in the EUu002FESS or to Switzerland is to travel with your EU-card, which gives the right to medical and dental care on the same terms and conditions as they live in the country. Covers however not the repatriation by air ambulance.”
“Alternative or a complement to your homeowner’s insurance is:”
“• Reinforced ” or ” enhanced home insurance. If you want to have cancellation insurance. If you are gone longer than 45 days, to study, work or engage in ”risky activities”. Extend, or extend the travel protection before you go. Make sure to extend the travel protection before your existing insurance has expired. Otherwise you can suffer of waiting days or be denied extended protection.”
“• Complete home insurance by paying the trip with your credit card or via internet Banking. When included in the rule of the insurance, certain lump sum compensation in the event of delays, etc. Check what the bank asks for any payment and what the insurance covers. Särbo or friends with different addresses should always pay with their own card.”
“• Obtain supplementary travel insurance. “
“– you are Buying additional travel insurance and lack of insurance, ensure that the replacement medical expenses for emergency accident and sickness as well as repatriation by air ambulance out Gabriella Hallberg. “
“• Purchase separate travel insurance.”
“– If you do not have home insurance, you can purchase a separate travel insurance with equivalent protection, ” says Gabriella Hallberg. “
“Insurance for car rental is a jungle, particularly in other countries. “
“– Check it out extra carefully with the insurance company, then it can mean great costs. Is insurance that covers lawsuits if you should accidentally scratch another car in the US and be sued, ” says Lina Eklund PR-specialist at Resia. “
“another tip when renting a car is to have a credit card or extra money on the smart card when the hosts often reserve a large amount on the card. “
“Good to have in mind when you check your insurance coverage are also the following points:”
“• baggage delay: Reimbursement after the two hours is common and included in most.”
“• catch up: to catch up with the sudden and oförutseddnhändelse. Is sometimes included in home insurance.”
“• the Compensation for lost vacation days: Refund of travel expenses if the purpose of your trip will be ruined due to sickness or accident. Included in some home insurance.”
“• New journey: If the purpose of the trip is destroyed more than half the time of an illness or accident will be replaced with new journey.”
“• the Reimbursement of activity costs: If you become ill or injured and the aim of the trip is destroyed, you can get compensation for activity costs – utflyktsavgift, green fees, ski passes. “
“• Självriskskydd: Reimbursement for the deductible if you are hit by the damage on the rental car or if something happens to your home during the trip.”