Which travel insurance is the right one?

A trip cancellation insurance is expensive, but at least for essential travel it is highly recommended! But choosing the right policy is not always easy. Cases, the default protection on the go, some insurers cover only starting. So know we betray what in between all the choices of insurance you should look out for. 

Especially for expensive long-distance travel you should have a holiday insurance.

Who in these days are already booked his summer holidays should be adapted to consider travel insurance - especially for expensive tours, it will necessarily recommended. Indeed, until the commencement of the voyage may happen a lot: Parents, partner or child are sick, an accident crossing the flight plans, the insured loses his job or will take place shortly before a new job.

A trip cancellation insurance should also protect threatened unemployment, Bianca Boss recommended by the Confederation of the insured. "For the exact protection cases can be the best holiday-related clauses in the documents show." People should be especially careful with a chronic illness who because of complaints related to travel must cancel, it can usually not insured. The insurance contribution is primarily the holiday, says Drobkewitz. "The more expensive the trip, the higher the contribution." During a tour of 500 euros were usually about 25 to 30 euros. For Euro 1500 would be the top offers for 50 euros. Especially for long and expensive journeys worthwhile conclusion. A trip cancellation insurance include vacationers best not directly through a travel agent when booking the trip, advises Michael Berg of word Verbraucherzentrale Rheinland-Pfalz in Mainz. Travel agencies often work with certain insurers and tried the same, a whole package of insurance to sell adds Drobkewitz added. However, it is better to protect his individual match to select: "Holidaymakers are turning to the best travel directly to an insurer." In this case it would be important, however, the two-week period to observe, says Wortmann. Because a separate policy should generally not later than 14 days after booking the trip organizer should be provided. The price should be measured not less than he really is - a claim otherwise is a heavy discount by the insurance company can be expected, according to the Stiftung Warentest. A basic selection criterion is the deductible. It is a question of whether the insured damage basically a small part of itself to pay or not. Drobkewitz advises a fare without their own participation, "are the minimal price difference, but in any case worthwhile." If it could in the event especially for expensive trips to the fast money. Usually the excess lump sum at 25 euros, said the Confederation of the insured. Is illness the reason for the cancellation, however, bear any customers at all companies have a deductible of 20 percent. The later the trip is canceled, the higher are the costs of reversal, says Boss. Two days before departure, for example, could easily be 80 percent of his tour. Especially for expensive travel, the cancellation price even higher, depending modest short-term travel needs. For families worth a family contract, explains Drobkewitz. "Individual insurance is in direct comparison much more expensive." Those who travel several times a year, could also be one years contract. Thus, the traveler must not be any time to worry about cancellation policy. For annual contracts for the entire family could then even each separate stay. Even unmarried couples who live together, just need a policy.