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Why do you need travel insurance
Like any insurance, travel insurance offers peace of mind in case something unexpected or unforeseen happens. You might need urgent medical assistance during your trip if you get sick or injured, and medical expenses abroad are much higher and can cost you more than the entire vacation. A travel insurance policy will cover the costs of outpatient treatment, medications, and everything needed for your recovery. Travel insurance covers various expenses that may occur during the trip, depending on the package you have chosen.
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Travel insurance prices, packages, and coverage - the most comprehensive offer.
Note
The travel insurance policy is valid if you purchase it while you are on the territory of the Republic of Serbia. If you purchase the policy from abroad, it is not valid.
How to choose the best travel insurance policy?
To choose the best travel insurance policy, it is important to consider your needs and the risks you may face during your trip, and to compare prices and terms.
When purchasing travel health insurance online, it is important to pay attention to the following:
What the policy covers
Not all travel insurance policies are the same, so it is important to carefully read the policy terms and check what it covers.
Coverage amount
Coverage territory Some insurers offer policies that cover travel in all countries of the world, while others offer policies that cover travel only in certain countries or regions.
Coverage territory
Some insurers offer policies that cover travel in all countries of the world, while others offer policies that cover travel only in certain countries or regions.
Policy price
Travel insurance policy prices vary depending on many factors, such as the type of policy, coverage territory, coverage amount, and the age of the insured. It is important to compare prices from different insurers and choose the policy that best suits your needs.
Additional Tips for Purchasing Travel Insurance
- Choose insurance that covers all the activities you plan to do on your trip.
- Familiarize yourself with the insurance terms and exclusions.
- Buy insurance from a reputable insurance company.
- Always carry your insurance policies with you when you travel.
What are travel insurance exclusions?
Travel insurance exclusions are situations where the insurance will not pay out money. Exclusions can vary from one insurance policy to another, but some of the most common exclusions are:
- Illnesses and injuries that occurred before the insurance contract was concluded. For example, if you have a chronic illness and end up in the hospital while traveling, the insurance will most likely not cover the treatment costs.
- Illnesses and injuries that occurred under the influence of alcohol or drugs.
- Illnesses and injuries resulting from extreme sports that were not covered by the insurance contract.
- Self-inflicted injuries and suicide attempts.
- War, terrorism, and civil unrest.
- Strikes and work stoppages.
Buy travel insurance online
Travel insurance prices, packages, and coverage - the most comprehensive offer.
Travel insurance online useful advice and FAQ
Family Travel Insurance – This policy can insure partners who are in a marital or non-marital union and children who may be born in or out of marriage, adopted, stepchildren, and children taken into care. A family policy can be arranged for up to two adults, of whom at least one, as a parent or guardian, must be between 19 and 70 years old, and at least one person as a child must be up to 18 years old.
Group Travel Insurance – This policy can insure a larger number of people regardless of age (adults and children can be included). The insurance policy is accompanied by a list of insured persons, and it is issued in the name of the first person on the list, who must be an adult.
The age of the insured, depending on the policy of the insurance company, can affect the price of the policy. Increased risks for certain groups of travelers who wish to be insured are taken into account. Accordingly, differences can be made in insurance for pregnant women, babies, and retirees, all of whom fall into the category of high-risk insured persons. For more details, you can review the terms and conditions of the desired insurance company’s travel insurance.
The agreed travel insurance policy is valid from the moment of crossing the border of the home country, where the policy was agreed upon (Serbia), and covers all countries in the selected travel area (e.g., Europe) for the duration of the policy, without returning to the home country. In the event that the insured person returns to the home country before the policy expires, the policy ceases to be valid upon crossing the border of the home country, and a new policy must be arranged for the next border crossing.
The price of a travel insurance policy can be influenced by various factors that are considered when choosing a travel insurance policy, such as:
- Age of the insured (one or more individuals)
- Duration of the trip
- Travel destination
- Chosen insured sum
- Type of travel – whether it is individual/family/group
- Agreed additional risks
If not already covered by the selected policy, additional risks you want to insure against can affect the price of the travel insurance policy. These include:
- Covid-19
- Trip cancellation
- Risk of injury from engaging in certain sports (e.g., skiing)
- Compensation in case of luggage theft
- Compensation in case of flight cancellation.
Depending on the policy of the insurance company, it is usually possible to extend the policy from abroad. The conditions under which it can be extended will depend on the insurance company’s policy, and the conditions typically include that the policy has not been activated (i.e., no claim has been made on the policy) and that you contact the insurance company’s call center a few days before the policy expires to submit a request for the policy extension.
A travel insurance policy cannot be arranged and purchased from abroad; it can only be arranged before starting the trip abroad.
In the event of an insured event, it is advisable to contact the call center of your insurance company to obtain more necessary information about the need to report the insured event, the required documentation, and the further steps that need to be taken. It would also be useful, upon receiving the policy and before it comes into effect, to familiarize yourself with all the information listed in the policy and to adhere to all the guidelines described on the back of the policy.