What are the benefits of international travel insurance that you can enjoy?” and “What are the rights of international travel insurance?” are questions that many people are concerned about when choosing an insurance provider. This type of insurance is tailored for your travel, work, study, or visiting relatives abroad. They assist with various unexpected issues such as loss of documents, delayed trips, accidents, and more.
What is International Travel Insurance?
International travel insurance is a service designed for residents in Vietnam (including both Vietnamese and foreigners living in Vietnam) to meet the needs of traveling, visiting relatives, working, or studying abroad.
Moreover, some countries and territories require insurance as a prerequisite for obtaining a Visa (permit) such as Japan, Australia, Schengen countries, the United States, Canada, etc.
International travel medical insurance helps protect you and your family against risks or unexpected incidents during trips such as:
- Unexpected accidents while traveling
- Illness or medical conditions due to weather changes
- Flight disruptions (delayed/canceled flights)
- Loss of personal belongings, documents, passports
- Troubles with rented vehicles abroad
Participants Eligible for International Travel Insurance
The age limit for individuals wanting to participate in international travel insurance is from 6 weeks to 75 years.
Children under 7 years old must be accompanied by an adult purchasing the insurance under the same contract.
Benefits of International Travel Insurance
1. Compensation for Personal Accidents
The primary benefit of international travel insurance is reimbursing expenses for accidents during the trip.
In the event of permanent disability or death due to accidents during the trip, the insurance company will compensate according to the coverage of the insurance package you selected.
2. Reimbursement of Medical Expenses
This is one of the most practical benefits of international travel insurance. The insurance company will reimburse medical expenses if you are injured due to unexpected accidents or fall ill and need treatment as defined in the policy.
In case of illness or severe disability during the trip requiring transportation to another location for treatment or return to Vietnam, the emergency relief company will arrange transportation by any suitable means based on the illness condition.
The insurance company will directly reimburse the emergency transportation costs up to the limit of the chosen insurance program.
3. Rights of International Travel Insurance – Repatriation of Remains
In the unfortunate event of an accident leading to death during the trip, the insurance company will assist with reasonable costs for burial or cremation.
This insurance benefit also includes repatriation of remains to the registered address in Vietnam.
4. Compensation for Baggage and Personal Effects
International travel insurance packages compensate you according to the chosen program for losses or damages to your baggage, personal belongings, sent in advance, or purchased during the trip.
In cases where luggage is lost for at least 6 hours due to delays or incorrect transfer of luggage, the insurance company also covers the costs for essential items you need to buy.
5. Compensation for Property and Identity Documents
The insurance company will reimburse a reasonable amount as specified to take responsibility for lost documents or property due to theft or robbery during the trip. The compensation includes hotel and additional transportation expenses.
The loss of money and documents must be reported to the competent authorities where the incident occurred immediately, within 24 hours of the loss or discovery of the loss. All compensation claims must be accompanied by a confirmation document from the police.
6. Other Rights of International Travel Insurance
When purchasing international travel insurance, you may receive additional support policies such as compensation for delayed trips, emergency evacuations, repatriation in cases of serious medical emergencies, etc.
The maximum compensation amount and the rights you enjoy with international travel insurance depend on the company and the travel insurance package you choose.
Many companies offer travel insurance policies by trip or by year to suit customer needs. You should carefully consider and evaluate before selecting the appropriate insurance packages.
It is hoped that this article has helped you understand why it is necessary to purchase international travel insurance. Travel insurance packages are considered indispensable luggage for any trip. However, you need to prepare a quality “luggage package” to ensure a smooth journey in a new land.
Conclusion
The above information covers the benefits and rights of international travel insurance from Pacific Cross. It is hoped that through this, you have gained a better understanding of the rights you will receive when purchasing insurance for foreign trips.
Cre: Harry/tuneprotect.co
