The amounts of coverage should be comprehensive, to inform in advance the cost of living of countries to visit and whether the limits of the amounts you enough cover possible contingencies. The coverages and amounts can be adapted to your requirements, the final price of insurance will depend on the circumstances.
It is important that insurance costs directly assume without you anticipate any amount, but then at the end of the journey will reimburse the amounts advanced by submitting invoices. Always keep the original documents.
Contractual policies with no deductibles, but these are usually a small amount, possibly at that time not have the money you should pass.
Do not duplicate coverage, please note that the major credit cards such as VISA, Mastercard, Ammerican Express ... if you buy RTW tickets with them, giving you a free Travel Insurance which cover basic care of the trip. Search directly where you issue the card.
You must choose the largest insurers worldwide coverage, having a branch nearby to help expedite matters.
Calls to several insurance budget and you will be surprised. The price of insurance is often incomprehensible, depending on who issued the same policy for the price to skyrocket or decreases excessively.
Carefully read the policy. Please note that insurance companies are not responsible for the fulfillment of the contract in areas of armed conflict, civil unrest or affected at the time by natural phenomena like earthquakes, floods or hurricanes. Neither standard travel insurance policies typically cover risky activities like rock climbing, skiing, skydiving ... or driving of motor vehicles.
The cancellation insurance only covers very specific assumptions and unforeseen health related, family, employment, judicial ... to be supported by documentary proof but does not cover cancellations for free will, for example, cancel the trip to find one cheaper.
Travel insurance should be hired for one days before the mishap will include the relocation of your home to the airport on departure day. The cancellation insurance to be valid must be purchased at the same time you buy a ticket or travel. It is recommended that the date of insurance cover for a few days but if problems arise in the return and it must be delayed.
If travel time is large, you may be more profitable to hire annual insurance then you will for other trips but exhausted.
If your English is not good for an insurer who provides care in Spanish, this will prevent communication problems at the time of the incident communicate and receive the necessary assistance.
Finally, hand carried the phone number of insurer and policy number that you called up in case of an incident. The formalities are very simple: Over the phone (reverse charges normally and operational 24 hours) will ask you your personal details, policy number, an account of the accident, where you are and your contact phone number. With these data the insurer begins processing your assistance, often derivándote the delegation nearest the place where you are.
Happy journey and remember: The more money spent on travel insurance is when you have not needed.
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