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Do I need insurance against my refusal to travel abroad?

After receiving a long-awaited vacation and going on a trip, we rarely think about what can spoil our vacation. The list of all possible risks is huge: from small delays of flight to unfair performance by the travel company of its obligations. Many troubles can be avoided if you take care of everything in advance. One of the biggest troubles that can be expected by a tourist who has decided to relax abroad may be a refusal to obtain a visa. The embassy of the country has the right to refuse to receive a visa to a Russian tourist, even with an impeccable biography. The reason for the refusal, as a rule, most often is the lack of experience of traveling abroad and the initial receipt of a visa. Clients of travel companies often ask questions: "Will I be refunded for a ticket in case of refusal to issue a visa?", "Will I be able to refund the full cost of the ticket in case of force majeure?". The insurance against leaving home has come to our country from Europe quite recently. It is a civilized and very simple way to solve the problem of repayment of money in case of inability to travel.

The very concept of "travel insurance" provides for the following risks:

  • Hospitalization, or the death of a tourist or his close relatives (the circle of relatives is established by an agreement or the Family Code of the Russian Federation).
  • Refusal to issue a visa;
  • Conscription or summons to the court as a witness, victim, accused;
  • An emergency situation in a tourist's apartment (robbery, fire, flooding, etc.);
  • Early return of a tourist from a journey in case of illness;

The insurance against travel abroad is issued in a voluntary manner at the request of the tourist during the booking of a tour in the agency, or within three days after the purchase of the permit. Usually such insurance can be obtained at the agency where the tour is purchased. In some companies, its registration is a prerequisite for the purchase of a voucher.

Accident insurance covers the following types of expenses:

  • From the canceled ticket (in the event that it can not be handed over to the airport cashier);
  • From the reserved room in the hotel;
  • Expenses related to the early return of the insured person from the trip;

All expenses payable under insurance must be documented. This type of insurance of citizens does not provide unconditional payments in the event of an insured event. Before paying the cost of a tour that failed for any reason, the insurance company is obliged to find out the reasons for this state of affairs and only then decide whether to refund insurance, or to refuse it.

The insured event does not recognize the following circumstances: adverse weather conditions or natural disasters in the country of destination, suicide of the insured person, pregnancy, the presence of chronic diseases.

In case of refusal to issue a visa by a foreign embassy, the insurance against theft is the only way to return the money spent for the purchase of the tour. The main problem of this type of insurance is that often the embassy does not explain the reason for its refusal in the visa. If the insurance company can not determine in due course the reason for the decision to refuse, it can not accordingly take a positive decision on the payment of insurance. The only possible way to obtain payment in this case is a personal appeal to the embassy of the country to explain the reason for refusal of the visa.

Despite the fact that the insurance market in the field of tourism leaves much to be desired, the insurance against banishment represents an excellent opportunity to save money in case of unforeseen situations during a holiday abroad. In order to avoid problems with obtaining money on it, you should carefully study the contract that you sign at the time of its registration. Legal literacy will not only avoid appealing to the court, but will also significantly speed up the process of receiving payments.

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