What is the difference between travel insurance and expatriation insurance?
Difference between travel insurance and expatriation insurance Have you decided to leave your country of origin to go for a trip to other countries? What a good idea ! After all the necessary preparations, comes the question of insurance. If you browse the net a bit, you will surely see that there are two insurance offers for people going abroad, travel insurance and expatriation insurance. If you are not sure which category you belong to and want to know more about the difference between these two products, follow the guide:
Travel insurance
What type of stay?
Travel insurance is an insurance product that covers you during your stays of less than 12 months around the world. You can subscribe to this insurance if you are going on a world tour, a language or au pair stay, your studies or an internship or even a simple vacation.
If you are leaving for less than three months, it is possible to benefit from the travel insurance included in your credit card. However, before you go, be sure to take a look here to make sure this offer meets your needs.
The purpose of travel insurance
The primary purpose of travel insurance is to address minor concerns and major emergencies that may arise during your stay. For example, insurance will cover your flu and even your operation for appendicitis. However, the insurance is not there to cover health costs such as a check-up if the doctor to see if everything is fine, or even changing your glasses if your eyesight has changed.
The guarantees offered
Travel insurance is made up of different guarantees, depending on the offers and the price offered. However, it is absolutely essential that your travel insurance contains at least the following guarantees:
Cover for your current medical expenses as well as your hospitalizations from the first euro
Repatriation to your country of origin in case of serious health concerns
Civil Liability Private Life, in the event of damage caused to a third party
Your contract will certainly offer you other guarantees, which can be useful to you according to your needs, but the preceding points are the pillars of the travel insurance which you should pay particular attention to before subscribing.
Generally, travel insurance is offered to you as a package, with already defined guarantees that you cannot change, apart from one or two options, such as interrupting studies for example.
Duration and price
Travel insurance is a so-called firm-term offer. You subscribe for the total duration of your stay abroad and you pay the entire premium at the time of subscription. The contract ends on the date indicated and is not renewed automatically. If your trip lasts longer than expected, you will need to contact your insurance to see if it is possible to extend the duration of your contract.
The price of travel insurance is fairly straightforward to determine. Most often, it depends on your age, the length of your stay, your country of departure and your country of destination.
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