Holidays abroad - Tips for the right travel insurance

Sick on vacation - that`s something you really don`t want to think about. But, however, you should because in case of emergency it could be - without the right insurance - quite expensive. And therefore, its extremely important to study the contract details of your insurance.

The search for the right doctor is not easy - certainly not abroad, if you have an emergency and prompt medical assistance needs. Since helps a good health insurance abroad, which, ideally, Organizational, and especially all the costs incurred for medication, treatment, hospitalization and repatriation takes over. The whole thing is just six euros for one person or 12 euros for the whole family. At the end, but you should make sure what kind of service the insurance offers.

Limited protection is included

The European health insurance card, you have the statutory still have a certain amount of travel in other European countries and some other countries such as Turkey, Norway and Iceland. This replaces the medical treatment fund in the amount of German phrases - if you precise documents with lists of medical services authority. The difference at higher cost, for example through private treatment, but it must be paid.

An additional travel insurance in your luggage should be also. It is worth also find out whether you already have a credit or membership card travel protection.

Attention on long trips

Many travel health insurance with a maturity of one year. They often apply only for stays up to six weeks at a time. So if you are a particularly long trip plans should have a separate contract for insurance.

Hannelore Egger had for their trip to Greece a cheap additional travel medical insurance. Then the accident happened: They fell and injured is difficult. In the hospital in Athens it was five days - unwashed, UNTRIMMED teeth, completely neglected. She had only one wish - back to Germany.

Problems with Repatriation

In the horizontal plane, she had to be transported. Only in Germany was a correct diagnosis instead: pelvic fractures. Despite her condition, there were problems with the reimbursement of the flight through the travel insurance. The thought that their injuries in Greece would continue to be treated. And so she had to return from his own pocket to pay: 8,200 euros.

No medical necessity

The reasoning: The return was not medically necessary. This clause allows the insurance, not to pay. Many insurance companies have better conditions this year: The return will be refunded if it is sensible and reasonable, which in the case of Mrs. Egger would have applied.

Also: If a hospital stay abroad longer than the planned trip, it is crucial that the contract is not limited, but that for reasons of insurance, the insured person has no further runs.

Travel cancellation insurance

Incidentally, the separate complementary travel insurance reimbursed them to travel only if they are soon all clearances and documents that are fundamental to prove the resignation. Otherwise: Have a good trip!

Cancellation insurance - don`t wait too long to cancel your holidays

Soon, the holiday season begins again. And for those who are currently facing a serious illness, hopes to be fit again at the beginning of the well-deserved holidays. However, you shouldn`t wait too long.

This is shown by a recent decision of a regional court in Coburg, 27 March 2009 (AZ: 32 S 7 / 09), which is indicated by the Insurance Association of the German Bar Association (DAV).

In that case a man had his trip until a week before the start of which cancellation amounting to about Euro 1150 have suffered. Has replaced his trip cancellation insurance, but only 200 euros, in the event of a cancellation until 30 days before departure would have.

The court has the right insurance, and the long wait of the man rated as grossly negligent. According to lawyer Arno Schubach by the Insurance Association of the DAV, but it does not mean that early stage may be canceled if not yet predict whether the journey can be: "To suggest that in such cases, his physician time to assess to ask.

Following is a policyholder rating of his doctor, so he will not be accused of gross negligence may be. "Wool of policyholders on the safe side, he should also advance with his trip cancellation insurance in touch and action with their vote.

Holidays: In case of severe disease, cancel quickly!

Even with a completed trip cancellation insurance, ill tourists can be threatened with high costs.

Because those who have the knowledge of their illness, cancel too late and thus increased reversal costs, may have lost their claim against the insurance partially. This was the district of a court on Friday that the claim of a holiday to the full reimbursement of the cancellation costs declined. The man had barely even pay 1000 euros.

The man had four months before beginning a long holiday booked toes have been amputated. Although it is in the healing of severe complications and had a second operation was necessary, the man said the trip just a week before the scheduled start from. Of the cancellation fees in the amount of 1150 euros, the insurance then just 200 euros. Their reasoning: This amount would be incurred, the plaintiff would have to travel at least 30 days before canceled.

The judges plead for the insurance company. The plaintiff had the contractual obligation, upon the occurrence of the insured event to travel immediately to cancel to the cancellation costs will be minimized. This he had "grossly negligent" violated, they argued. At least two months before the holidays start had him because of the complications, "must be imposed that the hardships of a trip without the care provided by nurses would be unable to cope."

Trip cancellation insurance: How much should it cost?

The amount of payment for a trip cancellation insurance should depend on the tour. For a trip worth 1500 euros, for example, it is a "good" rate to pay a price around 50 to 60 euros to be insured.

If you do several trips per anno, a one years Police may be useful for a price 45 to 60 euros per year, where all trips of the year are coverd by the insurance.

But always keep in mind: For a trip cancellation, even customers with a cancellation insurance have to bear 20 percent of the cancellation costs by themselves - which is policy according to most providers.

Trip cancellation via credit card is often insufficient

A trip cancellation insurance should be essential especially on more expensive trips and should be ordered directly after the booking is completed. However, credit card providers advertise that this protection is included for their clients.

Who is on such a package solution leaves, however, can not be attributed to a build-round protection. "Frequently insurance uses only if the trip even with the credit card was paid," the experts say. If you travel, for example, will pay cash, gets in the insurance case, the reversal costs often not returned.

The benefits of the insurer should not be affected by the terms of payment of travel. Crucial is also that the journey is covered. A Policy of the credit card provider should therefore also the cost of a taxi bear the insured in a premature termination of the journey back to the airport. Such trips, however, pay the lowest number of travelers with their credit card: "In such a case will often not paid." For consumers include both the insured and causes damage sum. "I would ask directly at the bank, whether these services are covered."

Consumers, according to the consumer protection therefore not a detailed comparison around. The terms and conditions for cancellation and termination insurance cover times more, sometimes less assured reasons. It is in fact, offers traditional policies with those of the credit card provider to compare and contrast the points clearer responsible for their own travel are important. The conditions for each credit card could be different, another expert said. "Travelers should always read the terms closely."

The insurers put in their contracts, each with different reasons for resignation, and thus determine eligibility. Go to basic catalog include the cancellation due to illness, death, accident, a result of burglary, pregnancy, job losses or job changes.

A separate policy usually provides more protection than the inclusive solution for the credit card. In case of doubt, travelers should therefore be an additional trip cancellation insurance is recommended. Again, true but tourists must be made before the conclusion of the policy with an accurate glimpse into the general insurance conditions of the supplier throw.