Imagine that the departure of its long-awaited and much-needed vacation. Glowing with excitement, you can anticipate the lazy days on the beach absorbing the sun and a gentle evening dining and drinking cocktails on the pool terrace. Never occurs to you that you should buy travel insurance.
Imagine that the departure of its long-awaited and much-needed vacation. Glowing with excitement, you can anticipate the lazy days on the beach absorbing the sun and a gentle evening dining and drinking cocktails on the pool terrace. Never occurs to you that you should buy travel insurance.
...Two days into your vacation you have currently lost in concentration at the turn of the road and forget how to look. You can get it wrong, you step outside, and ...
BAM!
There are, lying prostrate on the hot asphalt with one of your feet facing the wrong direction. Shock sets in. Strangers rush over to help. You hear someone yell:
Someone call an ambulance!
You are transported to the hospital for x-rays, and later the doctor gives you the sobering news: compound fracture required extensive surgery and long recovery. They ask for your insurance details. Then, and only then, it dawn on you that you should have purchased travel insurance. You stammer an apology and justification: you think you've been on so many journeys, so many holidays, for crazy things, but nothing went wrong before
.And now what?
treatment going to cost a packet. You can make panic calls to family and friends at home. Someone suggested to buy travel insurance and get covered.
Yes, of course! This is the answer. Why . You can buy a policy online, and then contact the claims department to report your accident.
At this point, receivables department nobody the wiser. They have a policy number and all information and tell me not to worry. They have it in hand.
the next day you get the word to travel insurance claims people are urgently trying to contact you. You can call the help line and listen to news, then feel faint as the world is crumbling around you.
"Sorry, but we checked the dates of your policy and it seems that you purchase insurance until the day of the accident. Our security requires a purchase before they leave their country of origin. In fact, during the purchase indicates that the policy was purchased after recorded the time of the accident. Unfortunately, we are really sorry that I must inform you, but the policy is invalid and can not process your request ."
What? Retry?
You hang up, dumbstruck. furious! How dare you not accept your request! You paid a premium for a policy of travel insurance and they should cover you! Hospital Bill will run into tens of thousands, and you just do not have that kind of money available.
In desperation, you call your embassy and tell them what happened. You ask them to intervene and that the insurer pay. They let you know you are sorry, but there is nothing you can do to help the insurer to pay. You are bound by the terms of the policy.
How can this be? Are you a citizen?
What a tough lesson. If you have any travel insurance without you May feel relieved that it never happened. Have you ever left yourself wide open to the risk of financial disaster of this magnitude? How many times have you (or someone you know) went on a vacation or a weekend without travel insurance?
is still in disbelief, and kicking themselves (or would if not for a broken leg) and try everything you can imagine. You might consider contacting the financial ombudsman, television stations, radio stations, newspapers and guards. You must discover what dogodilo.Tvrtka must be wrong. They must pay! But it was all to no avail.
You are becoming more frantic as the hospital bills continue to rack up. Your loved ones try to comfort him, but nobody has the courage to tell you that it is entirely their fault. They know that nobody else will pick up the bills for the accident.
Slowly, the reality dawns on you. People have explained to you more and more that you can not wait until disaster strikes, and then buy insurance - and this includes insurance of any kind - and expect the insurer to pay a
.It varies from company to company, but in most cases you need to purchase travel insurance before you leave your home country. Even then, no insurer will cover the demand for something that has not happened before you purchased the policy!
I could buy a car and drive without insurance, have an accident, and then buy auto insurance, and expect the insurer to cover you. Travel insurance is no different. Seasoned travelers who regularly buy the insurance will probably roll your eyes at this point, as should be obvious.
above scenario may be fictional, but similar incidents are occurred. It could happen to you or someone you care about. Do not be a victim. Travel insurance can cover any disasters that might occur, but a good comprehensive policy should cover the most common problems on the trip.
In this case, after being discharged from the hospital to honor a patient is likely to be returned by air ambulance, or commercial aircraft require the purchase of additional seats, and perhaps the medical pratnjom.Trošak goes on and on.
Not only do you need insurance, but you need a comprehensive policy that will ensure an appropriate level of medical cover - as a cover for air ambulance and medical repatriation. When you consider the potential cost of catastrophes such as this - running into tens of thousands - a modest cost of a robust travel insurance policy is something that simply can not afford to leave home without
.
