The desired planned trip is not a luxury, but a human need. But plans do not always come true. Unpleasant moments can sometimes spoil the moment of waiting.
You can sweeten the pill if you foresee force majeure a little in advance. There is a rescue parachute that can help you get back almost the full cost of your money. Serious self-respecting firms have long provided for this type of insurance, such as travel cancellation insurance. Discuss all the nuances with the manager who deals with your vacation and you will be helped to choose the best option.
What are the cases of travel cancellation insurance?
Each company provides for different insured events, which are prescribed in the insurance contract. It is common practice to give you a money-back guarantee if:
- Serious discomfort of you and your loved ones, which include: spouse, children, parents, brothers or sisters
- Damage or loss of your property as a result of fire or flooding by neighbors from any communications
- If you are suddenly summoned to court
- Military conscription
- Refusal of the embassy to issue a visa to the country where the trip is planned
- Early return home due to illness or death of close relatives
- A delay in returning due to a sudden deterioration in the health of your family members or you, requiring hospitalization.
Documents for obtaining travel cancellation insurance
In all cases stipulated by the insurance contract, in order to receive back the funds spent on tickets or directly on staying abroad, you must have documents confirming your right.
- Insurance contract, and a service contract concluded with the tour operator.
- Documents confirming the deterioration of the state of health, as a result of which the insured event occurred. This is a medical certificate from the institution where you or your loved ones received or are receiving treatment.
- A statement or subpoena from the institution that brought you into the litigation.
- A summons from the military registration and enlistment office on the very day when the insurance period came.
- Confirmation that your property has fallen into disrepair as a result of fire or flooding.
- A copy of the passport page with a note about the refusal to issue a visa. It is imperative to have documents proving your identity and close relationship with the person who entered the medical institution.
When cancellation insurance is not valid
Every traveler planning his vacation needs to know that this type of insurance is not valid in cases when:
- incorrectly issued passport or other travel documents
- intoxication: narcotic, alcoholic or otherwise
- there was an attempted suicide of the insured person
- natural disasters have occurred
- through no fault of yours, but radioactive or other contamination has occurred
- government authorities have issued an act that violates your rights
- you or your close relatives have committed unlawful acts
- an accident happened during your flights or skydiving
- riots, strikes, acts of terrorism, war
- the insured person serves in any armed forces
- you are involved in any kind of sports involving training or sports
- a person applying for insurance is engaged in activities related to increased danger
- the recipient of insurance at any stage of pregnancy burdened with a disease
Refusal of a visa
A trip planned to a country where a visa is required may not take place due to the refusal to issue this long-awaited document. Insurance payment in this case is provided if your visa history is positive. Any, even the most insignificant, reason for re-denying a visa will not provide an opportunity to recover your losses.
As a rule, travel companies submit a package of documents for obtaining entry visas to the country of your dreams in a collective application in order to avoid additional costs. This is often done just before the start of the tour. If you have once been denied a visa, then it is better to make a request yourself. Otherwise, the trip will not take place and you will not receive insurance. It is your responsibility to notify the tour operator of the previous cancellation.
Read the contract carefully
In an age of speed and people who are always in a hurry, do not be afraid to be attentive. This is about your future. The more carefully you read the insurance contract or any other, the more likely it is that no one will try to cheat you.
