Today there is probably no tourist agency which does not include insurance policy in their full documentation package. However it is not commonly known that in most cases “reduced” insurance programs are offered in order to attract clients with promptness and lower prices. That implies minimal set of services in case of illness or injury. The services include covering the expenses for medical treatment, medical transportation services, and repatriation in case of death. Some programs differ from the others by additional urgent dental services.
In reality insurance possibilities are much broader. In addition to the standard minimal set of services insurance policy may include organizing relatives’ visit and early return back home in state of emergency. If children are travelling insurance policy may include organizing their early return; it also may provide necessary assistance in case your luggage is lost or documents are stolen.
You may buy the insurance policy you need in an insurance company after you buy your tour – you will have to produce your tour documents. However it will take time to visit the insurance office. All possible situations are in fact provided for; the most important is learning to use the offered possibilities correctly in your interests.
If you do not inform the insurance agent of your intention to do diving, mountain skiing, or extreme sports during your tour and if you will not pay extra fee, you will not be able to benefit from your insurance in case you suffer injuries while doing those activities. As you expose yourself to more risk you should keep in mind the need to increase your insurance policy, otherwise your insurance claim may be rejected.
World Travel offers its tourist clients insurance with the broadest possibilities.