Best value for money for travel and vacation insurance

Flight Delay Insurance

We all like flights to be on time, but there are unpredictable events, so sometimes flight delays are common.

Now the domestic flight delay insurance is generally included in the accident insurance, usually delay insurance costs $20.

In general, flight landing time delays of more than 2 hours (excluding 2 hours), regardless of any reason, no proof, passengers can obtain flight delay insurance claims.

Flight delay insurance belongs to commercial insurance, different insurance companies on the delay time and claimamount provisions, air delay insurance payment amount is relatively low, most in the range of 200-300.

However, because flight delay insurance is commercial insurance, different insurance companies on the aircraft delay time and claims conditions requirements are different, so before the purchase of flight delay insurance, also depends on the payment terms.

Travel agency liability insurance

Self-planning travel routes and food and shelter arrangements, with the group tour is a good choice, and the national tourism management department will ask travel agencies, for customers to buy travel agency liability insurance, but travel agency to buy travel agency liability insurance and travel accident insurance is still different, travel agency liability insurance is due to travel agency liability caused by personal injury, property damage and related costs compensation.

In other words, if the passenger for their own reasons or other reasons for the loss, the travel agency will not bear the relevant responsibility.

The definition of travel accident insurance refers to the insurance liability of the insured person for death or disability caused by accident during the travel or travel period, or other protection items within the scope of protection.

Therefore, in addition to enjoying the travel agency for its purchase of liability insurance, they can also purchase another travel accident insurance.

Overseas Travel Insurance

The difference between overseas tourism and domestic tourism is that if a tourist has a sudden illness or accident abroad, the medical expenses of emergency treatment shall be borne on its own and cannot be reimbursed through medical insurance and general commercial insurance.

So when choosing to travel abroad, it is best to buy an overseas travel insurance.

Medical expenses compensation, emergency overseas relief, travel delay compensation, checked baggage loss compensation, bank card check theft insurance, family property insurance and other protections are usually provided.

It is worth noting, however, that different countries have different requirements for tourists to purchase overseas travel insurance.

For example, at present, when applying for an outbound tourist visa (e.g. A Schengen visa) in some European countries, the embassy requires visitors to present a certificate of overseas travel insurance as a basic prerequisite for issuing a visa.

Moreover, the Schengen signatory countries, for example, also provide that the overseas travel insurance purchased by tourists shall include the insurance of overseas medical treatment, with a guarantee of not less than 30,000 euros. Many countries also provide for an extension of the insurance coverage date by two days before and after the travel date.

If you buy these insurance, it's certainly best not to use it, but in case something unexpected happens, if you're prepared, you can help you minimize your losses.