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Cancellation insurance
Can you please tell me whether it is necessary to take out travel insurance?
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Answers • 14
Not necessary! But in case of force majeure (wars, natural disasters, etc.), you can be compensated for the cost of the tour (compensation conditions must be clearly stated in the insurance contract). Given the tense political situation, I would take out insurance.
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answered 11 years ago
I already paid for the tour and refused insurance. Where can I get travel insurance now?
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answered 11 years ago
in the same agency. This is a separate agreement. Come to the agency again, ask for insurance. You must also have medical insurance on hand (separate contract). It is not an agency or a tour operator that insures, but an insurance company.
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answered 11 years ago
Not necessarily, but I took travel insurance. It does not work in case of non-departure due to force majeure, but in case of non-receipt of a visa, illness of a person, as a result of which he did not leave (flew) overseas, in case of impossibility of departure (departure) due to judicial and investigation actions. That's right! It is not necessary to arrange travel insurance!
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answered 11 years ago
Yes, a certificate from the local doctor that you had SARS and you could not fly out will not work, only if you were in the hospital on the date of departure.
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answered 11 years ago
Alex45, depending on what you are insured against. If the tourist’s departure is canceled due to non-opening of a visa, then the travel agreement, as a rule, states that the entire amount is returned, with the exception of the consular fee. (But can there be a non-opening of a visa in Egypt?) Insurance has nothing to do with it. When concluding an insurance contract against non-departure, it is necessary to carefully read the conditions under which compensation is paid (force majeure, illness of a tourist).
It is up to you to decide what type of insurance to take out: either the bankruptcy of the operator, or force majeure, or illness, or all at once. But formatting is not required.
It is up to you to decide what type of insurance to take out: either the bankruptcy of the operator, or force majeure, or illness, or all at once. But formatting is not required.
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answered 11 years ago
In June, I really regretted that I had not taken out travel insurance. There was a flood in Europe, and until the last day, they did not know if the tour would take place. Naturally, they were very worried. Out of a group of 46 people, 8 people took out insurance. If the tour had not taken place, we would have lost money, and a lot of it.
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answered 11 years ago
insurance against non-departure is mainly issued for visa destinations, but if you are afraid that you may not fly in Egypt, then return to the same agency where you bought the tour and take out insurance against non-departure. Carefully read the insured events, they may vary for different insurances .
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answered 11 years ago
I talked about insurance against non-departure (non-departure) that is issued by insurance agencies, and not what is in maintenance contracts, where there is force majeure, etc. I listed what is in my insurance policy against non-departure, in it medical insurance as a separate item. The TS asked the question - "is it necessary to take out travel insurance." In my concept, travel insurance is not a travel agreement and can also compensate for the cost of air tickets if tickets were purchased separately. I tried to bring this to the TS.
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answered 11 years ago
If force majeure occurs, the tour operator "washes its hands" (according to the contract), and the insurance company covers the tourist's losses.
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answered 11 years ago
Here, I wanted the TS to understand the difference between an insurance policy from an insurance company and an agreement from a tour operator, which stipulates force majeure, etc.
There are only 1200 characters here to quote the provisions of the insurance policy here. The main reasons for which you can receive compensation from not leaving the place, I mentioned, as a rule, there is a so-called franchise, so you will not receive the full amount of money for which you are insured.
The travel agreement is concluded between the tourist and the travel company, and not the insurance company, it specifies the reasons for which the refund is made, and the tourist demands money from the travel company. The insurance company does not return money under travel agreements.
These are two different things - a travel agreement from a travel company and an insurance policy from an insurance company. Do not confuse the vehicle! these are reasons that do not depend on maintenance. If these force majeure reasons are reimbursed in the insurance policy and this is stipulated in the policy, then you will receive compensation, and so - only for the reasons that I wrote about above.
There are only 1200 characters here to quote the provisions of the insurance policy here. The main reasons for which you can receive compensation from not leaving the place, I mentioned, as a rule, there is a so-called franchise, so you will not receive the full amount of money for which you are insured.
The travel agreement is concluded between the tourist and the travel company, and not the insurance company, it specifies the reasons for which the refund is made, and the tourist demands money from the travel company. The insurance company does not return money under travel agreements.
These are two different things - a travel agreement from a travel company and an insurance policy from an insurance company. Do not confuse the vehicle! these are reasons that do not depend on maintenance. If these force majeure reasons are reimbursed in the insurance policy and this is stipulated in the policy, then you will receive compensation, and so - only for the reasons that I wrote about above.
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answered 11 years ago
An example was given here - a flood, this is a FRS major, does not depend on the travel company and I am sure that tourists would not receive any money. They would not have received anything under the insurance policy if this reason was not indicated in the policy. everything is reimbursed if your trip did not work out. Once again, force majeure almost always does not apply to insured events.
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answered 11 years ago
Alex95, you completely duplicate what I wrote. Carefully read what I wrote in several answers. The fact is that "non-opening of a visa" is not, for the most part, an insured event. In the contract between the tourist and the agency there is a clause on the condition of the return of funds, which clearly states that if the visa is not opened, the cost of the tour is refunded, except for the consular fee. But, I want to draw your attention to the fact that not all companies act this way. Some agencies bring this case under insurance and offer to conclude an agreement with the insurance company. I have always been given at least 2 contracts: a tourist-travel agency (for the provision of travel services) and a tourist-insurance company (a health insurance contract, which may contain (as you wrote) travel insurance). Due to force majeure, the travel agency "washes its hands", and the insurance company compensates the tourist's losses.
And here is what you wrote:! Force majeure, by the way, is the reason why the travel company is not obliged to pay compensation, because. these are reasons that do not depend on maintenance. If these force majeure reasons are indemnified in the insurance policy and this is stipulated in the policy, then you will receive compensation "
There is no difference.
And here is what you wrote:! Force majeure, by the way, is the reason why the travel company is not obliged to pay compensation, because. these are reasons that do not depend on maintenance. If these force majeure reasons are indemnified in the insurance policy and this is stipulated in the policy, then you will receive compensation "
There is no difference.
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answered 11 years ago