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20 Mär. 2024


How to choose the right insurance policy for a trip abroad?



How to choose the right insurance policy for a trip abroad?

When choosing an insurance policy for travel, it is important to consider several key aspects: the type of coverage, its scope, the amount of insurance, etc. Find out more about what other important details you should consider when choosing insurance for traveling abroad

An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine
An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine

Travel insurance not only ensures safety and comfort while traveling, but can also be a requirement for entry into most countries of the world.

Here are the types of insurance, their advantages and disadvantages, as well as tips on choosing a policy and where to buy travel insurance.

Read more about obtaining insurance to enter Ukraine during martial law here.

Do I need insurance for traveling abroad?

Usually, travel insurance for traveling abroad is mandatory for traveling, in particular to countries with a visa regime. But do you need insurance for traveling abroad without a visa? Our answer is yes, because in any country in the world, a tourist may need to visit a medical facility. And, as you know, the cost of diagnosis and treatment in case of illness, injury or accident abroad is extremely high. Moreover, travel insurance usually has a much broader coverage and compensates, for example, for the costs of lost luggage or flight delays. Read more about cases other than illness in which you can get compensation from an insurance company here.

What insurance do I need to travel abroad and how do I choose the right policy?

One of the most common questions is what kind of insurance you need to travel abroad. And the answer depends on several aspects. When choosing insurance, it is important to consider each of these points:

1. Country of destination. Depending on the country you are traveling to, you may need different amounts of insurance coverage and conditions. For example:

– For EU or Schengen countries, it is recommended to take out medical insurance for traveling abroad in the amount of at least 30,000 euros for the entire period of stay.

– For countries where the cost of medical care is high, such as the United States, Canada, or Australia, it is recommended to take out insurance for at least $50,000.

– For traveling to Asia or Africa, where there are climate features and a significantly different diet, you should get insurance in the amount of at least $30,000-50,000.

Where can I get insurance for traveling abroad? Appropriate insurance policies are available in a few clicks on the Visit Ukraine website.

2. The duration of the trip. Depending on the duration of your trip, you may need a single or multiple policy. A single policy is valid only for one trip, while a multiple policy (usually a yearly travel insurance) can cover several trips during the year.

3. Type of leisure. Taking into account your plans during the vacation, choose the necessary policy package. For example, there is a sports insurance for traveling abroad that covers injuries and illnesses related to participation in competitions or accidents related to skiing. The following packages are available on the Visit Ukraine website:  All World Classic or All World Safe. Depending on the chosen insurance package, which covers the whole world, you can choose the necessary options for your trip. 

The cost of travel insurance: how is it formed and what does it depend on?

Another common question among tourists is how much does travel insurance cost. And the answer to this question also depends on several aspects. Therefore, after choosing the type of policy that meets all your needs, it is important to pay attention to the following criteria, which will determine the level of protection of the insured person and, of course, the price of travel insurance will depend on them:

1. The amount of insurance: This is the maximum amount that the insurance company will pay in the event of an insured event. It is recommended to take out insurance for traveling abroad with a higher sum insured (for example, 50 thousand euros or more) for broader coverage. And the additional costs of an extended policy should be considered as an investment in your own safety. 

2. Deductible: This is the amount that a tourist must pay on their own in the event of an insured event. The higher the deductible, the less compensation you will receive, but the policy will be cheaper. It is important to balance the amount of the deductible with your needs and financial capabilities so that the travel insurance covers most of the risks.

3. Coverage: Consider the list of risks and situations covered by the policy. Medical assistance, trip cancellation, baggage, and third-party liability - the more coverage, the higher the level of protection. However, to avoid making the price of travel insurance too high, choose only the coverage that is really necessary for your plans.

4. Terms and conditions: Read the policy's terms and conditions carefully to make sure they match your plans. After all, often the cheapest insurance for traveling abroad has very limited coverage and a high deductible. In addition, you need to take into account the age of the insured person, because often insurance for a child traveling abroad or an elderly person has significant differences and coverage.

Car insurance for traveling abroad: when and where to get it?

Another common question among travelers is where to get insurance for traveling abroad by car. And the answer to it is simple: if you plan to travel to one of the 50 member countries of the international Green card system (which includes all European countries, Azerbaijan, Turkey, Iran, Israel, Morocco and Tunisia), you need to get a Green card. In other cases, you will have to apply for a local car insurance policy.

Green Card is a mandatory insurance policy for traveling abroad in a car with a foreign (in our case, Ukrainian) international registration. Without such an insurance policy, you will not be allowed to travel abroad, and if the insurance expires before you return to your country of permanent residence, the driver will face not only a high fine but also deportation from the country with a subsequent entry ban.

The main advantage of the unified international system is that car insurance for traveling abroad can be arranged in a few clicks from any gadget for the required period. And the price of car insurance is constant and depends on the period of its validity. Read here how much car insurance for traveling abroad costs in 2024.

How does travel insurance work?

In case of problems, the tourist should contact the phone number specified in the policy. The operator of the assistance company will provide the necessary information and assistance, organize treatment and other procedures. 

In case of emergencies, such as a heart attack, the tourist should contact the hotel staff or call an ambulance, and then inform the assistance company about the insured event. 

It is important to keep all documents and invoices for filing an insurance claim.

There are two ways to claim insurance compensation:

1. Direct payment for medical services:

The company directly pays for the medical services provided. The tourist receives assistance free of charge within the policy coverage.

2. Reimbursement upon return:

– The traveler pays for medical services during the trip.

– Upon returning home, the tourist submits receipts and other documents to the insurance company.

– The tourist receives reimbursement from the company for the costs within the policy coverage.

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Insurance from Visit Ukraine 

You can buy travel insurance online with a guaranteed payment for traveling to the EU or other countries of the world on the Visit Ukraine website. We offer insurance policies with different levels of coverage and an insurance program starting from 3 days. Take out travelmedical accident or car insurance for traveling abroad and feel safe outside your home! 

Remember that reliable insurance for traveling abroad is the key to your confidence while traveling. Don't risk your finances and health, choose insurance with a guaranteed payout and let your travels leave only pleasant memories.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

© 2018-2023, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.

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