Holidays 2020: Most Tourists Save on Insurance

Holidays 2020: most tourists save on insurance

While three quarters of tourists go with all-inclusive travel agencies, only four out of ten buy insurance from the so-called alcohol clause and with higher medical costs than the standard 10,000 euro. But with a tight vacation budget, good insurance is the first item to be deleted.

And bad luck on vacation means spending tens, if not hundreds of thousands of zlotys. Plain cough and shortness of breath may be the beginning of pneumonia or bronchitis. If this is in Thailand, transport to hospital and hospitalization costs over half a million zlotys. Transport and treatment of an injured person in a car accident that resulted in a broken sternum and lung contusion, in Spain means an invoice for over 360,000. zł. But even with a banal sunburn in Italy, medical intervention is over 1000 PLN.

40 percent cautious

Who pays these bills? A tourist who only rely on standard insurance with a low sum of medical expenses. Travelplanet.pl statistics show that about 60 percent trust such standard insurance. travel agency customers.

Only about four out of ten tourists going on vacation extend the scope of insurance. But if you find an interesting trip that exceeds the budget for your vacation somewhat, giving up additional insurance is the first idea to increase the comfort of your vacation at the expense of their safety.

Travelplanet.pl statistics show a large correlation that the higher the average cost of booking, the less often customers provide additional insurance for their holidays.

Hospital in Greece?

What do tourists give up then? Above-standard insurance is primarily a higher amount regarding the cost of treatment - i.e. 100,000. euros instead of 10,000 - and a similar amount of liability insurance.

Meanwhile, according to insurance companies, the average amounts of hospitalization are EURO in Tunisia, EURO 8,500 in Turkey, EURO 11,000 in Egypt and over 17,000 EURO in Greece. But in the case of the most popular medical interventions related to hospital care, the costs usually exceed the sum insured in the "mandatory" option.

250 euros for clothes and cosmetics

The insurance that a tourist receives automatically when buying a trip usually does not cover the costs of treating chronic diseases (and if this applies to small amounts) and injuries resulting from amateur and extreme sports. And it's not just about diving or windsurfing but also swimming on so-called bananas behind a motorboat, very popular entertainment in the Mediterranean. And the cost of treatment resulting from this injury is on average over 25,000 EURO.

Additional insurance bonuses are also 250 euros for expenses when the luggage does not arrive with the tourist on time. One can say: the precautionary agent is always extra-insured, because luggage delays are frequent cases. And in such a situation we have a lot of money for expenses related to the purchase of necessary clothes, cosmetics, etc.

All-inclusive minus insurance

One of the most important fuses for tourists going on holiday with travel agencies and buying an additional policy is the so-called alcohol clause.

The alcohol clause, which maintains the policy, on all inclusive holidays seems to be compulsory insurance.

First of all, the basic insurance does not work when the accident concerns a person under the influence of alcohol. Long-term statistics say that 3 out of 4 tourists book all inclusive holidays in the offices. It's a formula in which alcohol is often available practically from dawn to late night.

We're not going on vacation

Sometimes the disease hits a tourist before he can pack his bags. And there is a problem, because in the standard insurance there is no insurance against resignation from the trip, which is included in the additionally bought policy. it is over 1000 euros in case of resignation from holidays.

The most frequently purchased policies by tourists at the time of booking include a 100% refund. possible travel costs of the travel agency. These amounts are sometimes tens of percent. holiday costs.

There are a lot of random cases - just a sudden illness that does not require a hospital stay, but which according to the doctor will be a contraindication to travel, an event requiring presence in the country or the theft of documents reported to the police . Importantly, this holiday cancellation insurance covers not only the unlucky but also all the people on the same booking.

EHIC is not enough

There is even nothing to think about the European Health Insurance Card not only during exotic trips, but to such popular countries as Turkey or Egypt. And the average cost of a hospital stay in these countries is around 8-11 thousand EURO. But tourists spending their holidays in Italy, Greece, Spain, Bulgaria or Croatia, and therefore in countries belonging to the European Union, believe that the EHIC is sufficient protection.

It's very illusory. Apart from the fact that the so-called benefits baskets, i.e. for treatment that is free in EUROPE, you have to pay in another country, EHIC does not include, which tourists often forget, neither the costs of treatment in private facilities nor insurance against damage to health and property caused to others. It also does not include transport costs to the country.

The most accidental directions

The most unlucky holiday destinations for tourists are Italy and Bulgaria. Here, according to the data of insurers offering travel insurance, policies cover about 6 percent. tourists. In Greece and Spain, the percentage reaches around 4 percent Those who think that the probability is low is to wish that they would not be among those few percent of those on vacation.

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