Insurance

How to Choose Insurance When Traveling Abroad

Insure yourself with reliable companies to avoid unnecessary problems in case of an insurance event. When choosing an insurer, check its place in the "Narodniy top" project. Review the rating of insurance companies and read customer reviews. Evaluate the amount of insurance coverage you need depending on the country you are traveling to and the type of vacation. In any case, prefer policies with coverage of at least $30,000.

If you intend to engage in extreme sports abroad, buy insurance specifically for this purpose (it costs 1.5-3 times more). Do not try to use a regular insurance policy for such activities - it still won't work, and you will waste your money. Before purchasing a policy, carefully study the list of risks covered and exclusions from insurance coverage. Pay special attention to issues related to pregnancy and dental services.

What to Do in Case of an Insurance Event

 

  1. Call the service center at the number provided on the policy. Inform them of the situation and provide your last name, first name, patronymic, contact phone number, and departure location. Answer other questions from the dispatcher.
  2. After your call, the service center organizes the provision of necessary medical, medical-transport, and other services provided by the policy, as well as ensures their payment.
  3. Collect and check the documents confirming your visits to the doctor and treatment. These documents include:
    • original invoices from medical institutions;
    • original prescriptions issued by a doctor for the condition;
    • original referral from a doctor for laboratory tests and invoices from the laboratory with dates, names, and costs of the services provided;
    • evidence of payment for treatment, medicines, and other services;
    • payment stamp;