Travel Insurance

Travel Insurance is a must when planning a trip abroad. It ensures that you and your loved ones receive medical treatment in case of an emergency while traveling overseas whether for business or leisure. 

Vitae Group represents insurers that offer the best Travel Insurance policies so that you and your family can rest assured knowing that you will get medical assistance, amongst other benefits, while away.

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Why do I need Travel Insurance?

International Travel Insurance is intended for you and your family to use in case of a medical emergency while traveling outside of your country of residence. It ensures that you have assistance in many situations, as follows:

  • accidents
  • illness (whether or not preexisting)*
  • unaccompanied minors service
  • emergency dental care
  • reimbursement for delayed, loss, or stolen baggage
  • reimbursement for damaged luggage
  • support in case of lost documents or luggage
  • medical repatriation
  • telemedicine
  • prescription drugs
  • funds transfer
  • travel for one family member if the insured person is hospitalized
  • trip curtailment due to serious illness or accident to the insured person
  • trip curtailment due to a serious claim related to the insured’s house or death of an immediate family member

 

In addition, the travel insurance policies offered by Vitae Group provide further guarantees that go beyond emergency medical coverage during your stay abroad, such as:

  • trip cancelation (due to medical reasons)
  • repatriation of remains
  • attorney’s fees related to car accidents
  • compensation for lost or stolen baggage
  • return trip due to a severe claim

 

* Reduced coverage for preexisting conditions may apply. Read the conditions of your policy coverage carefully.

 

What should I do if I need to use Travel Insurance?

Upon taking out Travel Insurance, the policyholder and his or her family receive the appropriate documentation containing various information – including, importantly, the phone number of the assistance team.

 

If the person insured in the policy has a medical emergency, you or someone close to you should call the assistance team immediately and ask to which medical facility the insured should be taken to obtain medical assistance.

 

 

“Can I go straight to the hospital to get treatment paid by the Travel Insurance?”

We advise against this practice, but there are no impediments to this. One should pay careful attention to bureaucratic details and the amounts covered when receiving care.

 

Should one of the people insured in the Travel Insurance policy receive treatment without notifying and getting prior authorization from the insurance company, the insured must pay the full rate charged by the hospital, before filing a claim for reimbursement.

 

After receiving medical care, the insured should submit the required documentation to the Travel Insurance company to request reimbursement. Under these circumstances, it is strongly recommended that the insured person keeps all receipts, medical reports, and other documents related to the treatment at hand, as they may be requested during the process.

 

When to buy Travel Insurance

You and your family should take out Travel Insurance as soon as you have the important dates on your itinerary confirmed (departure, return, transfer between cities or countries, if applicable, etc.) and book the tickets.

 

These are some of the details requested when you take out Travel Insurance. Typically, the insurance is in effect during your travel dates, as per the provisions of each contract.

 

 

“Is Travel Insurance mandatory when traveling abroad?”

It depends on the destination. We recommend that you always check if Travel Insurance is mandatory where you and your family plan to visit or if there are specific travel insurance requirements.

 

Travel Insurance is not required if you are traveling to the United States, for example, but it is highly recommended, in case there is an emergency.

 

Places like Cuba, the United Arab Emirates, Qatar, and Turkey require Travel Insurance for foreign tourists to enter the country.

 

In Europe, 26 countries have signed the Schengen Agreement, which, among other things, requires foreign travelers to have Travel Insurance with a minimum coverage of 30,000 euros. These are the following:

 

  • Germany
  • Austria
  • Belgium
  • Denmark
  • Slovakia
  • Slovenia
  • Spain
  • Estonia
  • Finland
  • France
  • Greece
  • Netherlands
  • Hungary
  • Italy
  • Iceland
  • Latvia
  • Lithuania
  • Luxemburg
  • Malta
  • Norway
  • Poland
  • Portugal
  • Czech Republic
  • Romania
  • Sweden
  • Switzerland

 

 

“Are pregnant women and the elderly insured in Travel Insurance policies?”

The companies represented by Vitae Group offer insurance policies that have terms with a particular emphasis on the elderly, pregnant women, and people with preexisting health conditions and constraints that might prevent individuals in certain situations from taking out insurance.

 

Since each of these companies have very different policies oriented to the groups mentioned above, we recommend that you talk directly to one of our consultants and explain in detail your situation. We at Vitae Group are happy to discuss with you and recommend the best policies from the companies represented by us to meet your needs.

Still not sure how to take out Travel Insurance in the U.S.?

Please contact us for more information. Our experts are ready to answer your questions, hear about your situation, and offer the solution best suited to your circumstances.

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