Which travel insurance to choose for a world tour?
Traveling around the world is probably one of the most exciting adventures you can undertake. However, before embarking on this extraordinary experience, it is essential to take into account your travel insurance. Indeed, choosing the right insurance can make all the difference in the event of health problems, repatriation or other unforeseen events. To help you make the right choice, we have gathered the most relevant information on the different insurance options available.
The importance of travel insurance for a world tour
Going to the other side of the world is an exciting adventure, but it is not without risks. Illness, accidents or legal problems can end your trip prematurely or cost you money. This is where travel insurance comes in.
Travel insurance provides financial protection in the event of health problems abroad. It can cover medical expenses, the cost of repatriation, lost luggage and much more. Good travel insurance can therefore give you invaluable peace of mind throughout your world tour.
The essential guarantees in travel insurance
When selecting your travel insurance, it is important to understand the guarantees offered. Certain guarantees are essential for a world tour.
Among these guarantees, we find medical expenses abroad. This guarantee covers costs incurred in the event of illness or accident during your trip. It may include the cost of medical consultations, medications, hospitalizations or surgical procedures.
Medical repatriation is another essential guarantee. In the event of serious injury or serious illness, this benefit covers the cost of transportation to your home country or the nearest hospital.
The assistance guarantee is also important. It offers you practical help in case of problems during your trip, such as losing your identity documents or legal problems.
How to choose the duration of your travel insurance?
The duration of your travel insurance depends on the duration of your world tour. Travel insurance generally offers daily, monthly or annual contracts.
If your trip lasts less than a year, annual travel insurance may be a good choice. It gives you continuous coverage for an entire year, no matter how many trips you take.
If your trip lasts more than a year, you will probably need to consider long-term travel insurance. These contracts provide coverage for a specific period of time, usually two years or more.
It is important to note that the duration of your travel insurance should correspond to the length of your stay abroad. If your travel insurance expires before the end of your trip, you could be left without coverage.
The different travel insurance for a world tour
There are several travel insurance options for a world tour. Each insurance has its own advantages and disadvantages, and the choice depends on your needs and your budget.
Popular options include Chapka travel insurance. Known for its contracts suitable for long stays abroad, Chapka offers a wide range of guarantees, including medical expenses abroad, medical repatriation and assistance.
The bank card is another option to consider. Some bank cards offer travel insurance guarantees, including medical expenses and repatriation. However, these guarantees are often limited and may not be sufficient for a world tour.
The price of travel insurance for a world tour
The price of travel insurance for a world tour depends on several factors. First of all, the cost varies depending on the guarantees offered. The more guarantees the insurance offers, the higher the price.
The length of the trip is another factor that influences the price. The longer your trip, the more expensive the insurance.
Finally, your age, health and destination country can also affect the price. Insurance companies consider these factors as potential risks and adjust their rates accordingly.
It is important to note that price should not be the only criterion for choosing your travel insurance. It is essential to choose insurance that offers the guarantees you need, even if it costs a little more.
Exclusions in travel insurance for a world tour
Before taking out travel insurance for your world tour, it is crucial to take into account the exclusions. These are specific situations which are not covered by insurance and for which you will therefore not be compensated in the event of a problem.
Certain exclusions are common to most insurances. For example, they generally do not include incidents related to alcohol or drug use, risks related to certain high-risk sporting activities or problems occurring in countries for which the Ministry of Foreign Affairs has issued an advisory of non-travel.
Chronic or pre-existing illness insurance is also generally excluded, unless you have purchased specific additional coverage. Additionally, some travel insurance plans do not offer coverage for the United States and Canada, due to the high costs of healthcare in these countries. If your world tour includes these destinations, you may need to take out a specific contract for the USA and Canada.
Finally, attention must also be paid to civil liability. Although some travel insurance includes this guarantee, it is generally not sufficient for a world tour. You may therefore need additional liability insurance to be completely covered.
Social security and travel insurance for a world tour
When you go touring the world, it is fundamental to understand how the social Security works in conjunction with your travel insurance. Indeed, your usual social protection may not be enough to cover medical costs abroad, especially if you leave the European Union.
In most cases, social security only partially reimburses medical expenses incurred abroad, and only upon presentation of supporting documents. Additionally, if you are hospitalized in a country where medical costs are high, such as the United States, Social Security reimbursement will be largely insufficient.
This is where travel insurance comes in. It supplements social security coverage and can cover all remaining costs. This is particularly the case for travel insurance such as Globe Partner or Cap Aventure, which offer comprehensive coverage in addition to social security.
Conclusion
Going on a world tour is a unique experience that requires careful preparation. Travel insurance is an essential aspect of this preparation. It offers you protection against unforeseen events and allows you to travel with complete peace of mind.
It is important to choose insurance that meets your specific needs and which offers the essential guarantees for a world tour: medical expenses abroad, medical repatriation, assistance and duration adapted to your trip. Also pay attention to exclusions and how the insurance supplements Social Security coverage.
Remember that choosing travel insurance should not be based on price alone. The peace of mind that good coverage provides is often worth much more than its initial cost. So, before setting off on your adventure, take the time to choose your travel insurance carefully. Have a good trip !
