Which insurance to choose for long trips?
Insurance for long-term trips - Tips
Having a reliable insurance policy is essential for those who want to travel with peace of mind for a long time (3 to 12 months). Indeed, specific clauses for this type of trip offer interesting protection and complement, or even replace, bank card travel insurance, the guarantees of which are sometimes limited and the coverage rarely exceeds a period of more than three months.
Tips and points to check
It is clear that, in some foreign countries, the quality of care is sometimes poor or it is the medical costs which turn out to be exorbitant. To remedy this, an insurance that covers, in addition to routine medical expenses and support in the event of hospitalization, medical transfer and repatriation is an ideal option.
In addition, it may happen that an accident engages your civil liability. It is for this reason that a guarantee containing this clause is an additional guarantee of safety for your trip.
As the world of insurance can sometimes be quite complex, here are some tips to help you see things more clearly and choose the option that is best for you:
It is preferable to give preference to offers from a company specializing in travel insurance.
Among the specialist companies, find the one that has an offer that suits your coverage needs, the length of your trip and your budget.
As for the cover, it must include the reimbursement of current medical expenses as well as the assumption of responsibility in the event of hospitalization. Repatriation and civil liability should also be included.
Ask about the support service. The ideal is to have emergency assistance available 24/7 and accessible by a simple phone call.
Before signing a contract, take the time to read and understand the terms and conditions to avoid any disappointment later. If some of these seem difficult to understand, do not hesitate to ask the insurer for an explanation. In case of delay or lack of response, it is better to choose another company.
It is useful to specify that, for a trip abroad of more than a year, expatriation insurance is more suitable than long-term travel insurance.
Some limits of travel insurance to take into account
The travel insurance clauses are only designed to deal with any incidents occurring during the duration of the trip, it is obvious that the ailments prior to the date of the trip are not covered. Likewise, integrity is mandatory when purchasing insurance, regardless of the coverage chosen. In the event of false declarations, all guarantees can be canceled by the company.
As regards the limitations themselves, the most frequent concerns maternity costs. In most cases they are not covered and in the case where they are guaranteed, a waiting period (period during which you are not covered) is generally indicated in the general conditions of travel insurance.
Depending on the type of insurance chosen, other limitations may appear. This is why it is always useful to stress the importance of not neglecting reading the terms and conditions and asking for clarification on points which seem unclear to you.
In conclusion
Regardless of the destination you choose, the risks of illness and accidents increase during a long stay abroad. It is therefore wise to choose, in full knowledge of the facts, travel insurance that matches your profile, from a reputable company.
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