What does travel insurance with world coverage cover?
Many people take a trip every year. Annually for summer vacation, or perhaps a little more often for work. If you travel outside of Europe, you need travel insurance world coverage. You might lose your belongings or even have them stolen. These are things that happen on a regular basis. Travel insurance world coverage then ensures that you can get the value of your belongings back.
What and where are you covered?
The term travel insurance world coverage sounds obvious. Yet there are a few things you should consider.
Destination
Basically, with travel insurance world coverage, you are insured anywhere in the world. However, you are not insured when you travel to a country with a negative travel advice. You can always check in advance if the country you want to travel to has a negative travel advice. Often countries have a negative travel advisory when there is a threat of natural disasters, war or political instability.
Do you still decide to travel to a country with and negative travel advisory? Then you run the risk that your insurance will not pay out.
Activities
What you will do on your vacation is also important. Are you going to do special/dangerous sports? If so, your insurance may not cover it. Are you going on winter sports, for example? Then it is advisable to take out additional insurance for this. The risk of an accident is significantly higher. Your premium will also go up because of this.
Take out continuous travel insurance? Calculate your premium!
Purchase value or daily value?
It is important to know whether you will be refunded the purchase value or the current market value if your belongings are stolen, damaged or lost. Which amount you get back can vary considerably. It is often possible to choose a specific module for this. Getting back the purchase value will result in a higher premium than when you only get back the current value.
Amount
You are probably insured up to a certain amount. You can usually choose the amount you want to be insured up to. Does the damage exceed the insured amount? Then you generally pay the other costs yourself.
When to purchase travel insurance?
Do you already have a travel insurance for within Europe, but are you planning a trip outside Europe? First of all, check which countries are covered under 'Europe'. Perhaps your destination is still covered. In that case you do not need to take out travel insurance world coverage.
Does this not include your destination country? Then it is wise to take out travel insurance world coverage. If you do not, you are automatically uninsured when you travel to a country outside Europe. Your insurance won't cover anything when you make a claim.
Get your travel insurance world coverage at Alpina: simple and affordable
Are you considering travel insurance world coverage? Then take it out now at Alpina! Thanks to our different modules, you always get the right insurance. Do you have any doubts or questions about our travel insurance? Feel free to contact our customer service. They are ready to answer all your questions.
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