Travel insurance for overseas travel. Why do you need travel insurance? How much does travel insurance cost?

Recently, the possibility of obtaining insurance against the disruption of travel abroad has become more and more popular. In light of recent conflicts in North Africa, adverse weather events (floods, heavy snowfalls), as well as occasional strikes by air workers, travel insurance is a must. Consider the details and subtleties of this service.

What are the insured events?

The buyer of insurance against non-departure, of course, expects full compensation for losses that may arise due to the disruption of a tourist trip for any reason beyond his control. However, situations related to conflicts, various strikes, bad weather conditions will be classified by the insurance company as "force majeure" and will not be considered as insured events. Accordingly, it is useless to hope for monetary compensation. In the best case, the insurance company will directly compensate for the losses that you or your family suffered for purely personal reasons in Russia, and not where you were going to go.

Consequently, travel insurance covers, as a rule, such insured events: death, illness of the insured person or his relatives, injury, refusal of the insured person (sometimes also persons who travel together) to obtain an entry visa, damage to property as a result of actions of third parties, leaks or fire. A number of insurance companies add to the list also a call of the insured person to the court or military registration and enlistment office.

Sometimes compensation is provided for losses that arise due to changes in the timing of the trip. The concept of "time change" includes:

• postponement of the trip;
• early return from a trip (the reasons are considered);
• late departure;
• delay for purely personal reasons abroad.

But why the list of insurance situations does not include various natural disasters? The insurers explain this fact as follows. Circumstances such as a hurricane, volcanic eruption, tsunami, floods, earthquakes, and so on will result in all tourists who have travel cancellation insurance to be eligible for damages. This can lead to large financial losses, and in the worst case, to the ruin of the entire insurance company. That is why travel cancellation insurance includes random, unforeseen situations that are associated with a specific tourist, and not with everyone. This moment must always be remembered. All insured events will be indicated in the contract, which must be read carefully.

Is travel insurance useless?

It turns out that the registration of insurance against travel abroad is by and large useless? It's not like that at all. Representatives of insurance and travel companies can tell you many stories when the trip was disrupted due to the illness of a tourist, late visa processing by the embassy, ​​problems with biometric passports at the border. So an insurance policy against travel restrictions can really help compensate for the losses that arise due to various, albeit completely unpredictable, troubles.

Basic rules of travel insurance

The rules of insurance for different companies may differ significantly. However, insurance companies have a general principle: if a tourist has a well-founded reason due to which the trip may be disrupted, then he may not count on compensation for losses. For example, if the consulate of the country you are planning to visit has already denied you a visa once, then the probability of being insured against not leaving the country for this reason is very low. Also, cancellation of a trip due to pregnancy (regardless of the term), exacerbation or complication of chronic diseases is excluded from the list of insurance situations.

Concealment of various facts that affect the degree of risk when applying for an insurance policy will be regarded as withholding important information and will lead to a denial of compensation. In order to protect yourself from all sorts of problems, you must carefully study the rules of the insurance company in which you issue the policy. For example, you, along with your friend / girlfriend, are going to travel and insure against not leaving. Let's say someone got sick and couldn't go. In this case, the insurance company can only compensate for the damage to the person who fell ill, because the “soulmate” can go on a trip alone. To avoid such situations, you need to carefully read the insurance contract.

In most cases, travel insurance is issued only if you enter into other types of travel insurance contracts. Most insurance companies work through large travel companies and only with their client base to even more "smear" their own risks due to the group flow of tourists - insurance buyers. If a person individually wants to buy a policy, then it is considered that he is “risky”, that is, a possible problem is assumed.

The cost of the insurance policy

The cost of an insurance policy against travel abroad is calculated in the same way as the cost of other types of insurance. The amount of compensation for damage does not exceed the costs incurred, and the insurance company does not pay moral damages according to the law. A deductible may also be introduced (that is, part of the loss that is not reimbursed) - 10-15% of the insurance amount. For example, if you bought a policy with a deductible of 15%, then compensation due to an insured event will be only 85%. Of course, the cost of such insurance will be lower.

The cost of insurance is calculated based on the total cost of the tour, visa, and other additional services. Some insurance companies take into account only the cost of the tour without other expenses.

Payouts

Please note that only actual expenses will be reimbursed. If the trip was not paid for and failed, then you can forget about compensation.

Payment of damages under the insurance situation will be made only if all the necessary documents are available. For example, medical certificates and documents that confirm hospitalization due to illness. Only sudden illness is taken into account, as noted above. If the insured event is the refusal of the consulate to issue a visa, then you must have a copy of your passport with a mark of refusal; if this is a summons to court or to the military registration and enlistment office, then appropriate subpoenas are needed. It is also necessary to provide documents confirming the payment of the tour and other expenses.

There are several payment options. Some insurance companies will reimburse the tourist for the full amount, and unused money paid for tours will be collected from the travel agency. Other companies compensate for part of the costs that the travel agency has already made, and the travel agency will reimburse the rest of the unused funds.

Situations in which travel insurance really comes in handy

Of course, each insurance company will have its own list of risks covered by insurance. Listed below are the most frequent insured events for which compensation is paid by most insurance companies. This:

• sudden illness or death of the insured or his close relatives;
• refusal to issue a visa or delay in obtaining it;
• summons to court, military registration and enlistment office (provided that this was not known at the time of registration of the insurance policy);
• damage to personal property that caused damage and affected the financial situation of the insured: fire, robbery, flooding, etc.;
• return of the insured from the trip ahead of time due to a sudden illness, death of one of his close relatives.

Often the desired vacation breaks down for whatever reason. This may be due to an error in paperwork, illness or other factors. Because of this, people do not go to their favorite resort, and also lose finances. But there is a possibility of compensation. Cancellation insurance would be the best solution. More about it will be discussed in the article.

general information

Unlike medical, non-departure is issued at will. Often the service is included in the price of the tour, but often people have to deal with buying the policy on their own. With the onset of difficult circumstances, the agreement allows almost completely, by 80-90%, to cover the costs.

You should not particularly count on the help of a travel agency, because if you refuse a ticket, it pays fines to various partners: organizers of excursions, hotel owners, carriers. Therefore, when buying a ticket, you need to think in advance about possible surprises, as well as insurance against their consequences.

Why is it required?

Non-departure travel insurance is a common and convenient option for those who do not want to be deceived and injured when traveling to another country. This service is necessary if there is no certainty that a visa will be granted.

The insurance fully reimburses the costs. Anyone can apply for it, including in addition to other insurances. But before that, you need to familiarize yourself with what this service includes. Do you need travel insurance? To compensate for the costs of many risks, you need to arrange this service.

Insured events

There are several reasons why you need travel cancellation insurance. Insured events are as follows:

• death or illness of relatives;
• the presence of medical contraindications;
• hospitalization of relatives;
• refusal to grant a visa;
• urgent subpoena;
• attraction of a person to military service;
• damage to property preventing travel to another country.

For everything else that is not spelled out in the document, compensation will not be paid. Please note that insurance must be issued no later than 3 days from the date of purchase of the ticket and no later than 2 weeks before departure. Only then will it have legal force.

Features of non-departure insurance

Now demanded insurance against non-flight to another country. When applying for such a service, the insured person is compensated for:

• payment for tickets;
• reservation of rooms, hotels;
• vouchers.

There are several options for obtaining travel insurance. The first case involves the presence of a medical in another country, but there is no recognizance. In this situation, you should not change or reissue the service. It is important to contact the company that provided the policy. There they will add insurance against non-flight. Many forms provide the option to enable additional features, but at an additional cost.

In the second case, it is assumed that there is no insurance policy. To visit another country, you need to buy a policy, otherwise you will not be able to visit there. The reason for this is the operation of the new law of the Russian Federation on the removal of state obligations for citizens of the Russian Federation who are in another country. Therefore, with the purchase of a policy, it is necessary to provide insurance against non-departure. This will keep your holiday safe. But keep in mind that each company has its own conditions, so you need to carefully study the documents before registration.

What risks are not covered?

But not all risks are covered by non-departure insurance. Cases on trips are different, and not all of them are compensated. These include:

• illness or injury of the insured person and his companions, if the treatment requires only outpatient treatment;
• pregnancy and related consequences;
• suicide attempt or other similar act;
• incorrectly executed documents;
• detention by law enforcement;
• natural disasters, wars;
• injuries resulting from alcohol and drug intoxication.

Usually, the risks for which compensation is not reimbursed are stated in the policy. The document includes the validity period, the rights and obligations of the parties, and other important nuances.

Price

The price of the service is determined depending on the cost of the ticket. In the event of an insured event, the company reimburses the expenses spent on the trip. It is only necessary to adhere to the deadlines so that payments are not denied.

Usually insurance against non-flight costs about 10% of the ticket price. For example, insurance for 30,000 euros will cost about 1,870 rubles if the trip is canceled due to a visa denial or in other emergency cases. In many companies, the cost of the service can be calculated using an online calculator.

Cancellation of a tour or refusal of a visa: what to do?

In the event of an insured event, you must:

• notify in writing about the reason for refusal to travel within 24 hours;
• documents confirming this event are attached to the application;
• prepare the rest of the documentation - tickets, insurance, passport.

The trip is a responsible event, but there are situations when it breaks down. Then, in addition to personal difficulties, material losses are also expected. Airfare insurance against non-departure allows you to compensate for the costs.

Features of travel insurance

Companies offer travel insurance. Many people think: why overpay if a difficult situation may not come? But with the advent of problems, people usually regret that they did not overpay the extra 6-10% of the ticket price. After all, then they would be protected from many difficulties.

Buying a policy

Before applying for a service, you need to check the company. It will take a little time, but there will be confidence in the chosen option. To do this, you need to visit the websites of companies, familiarize yourself with the conditions. Everything must be clearly written.

Service Benefits

Such insurance appeared due to the activities of travel companies. They are intermediaries between the client and the destination. With the signing of an agreement with the tour operator and the execution of settlements, the company pays for the services of foreign partners, which is provided for by the voucher. Payments related to the departure of the customer and obtaining permission are also carried out.

Payments include:

• purchase of tickets;
• issuance of permits;
• services;
• transfer;
• accommodation during the trip;
• excursions;
• Additional services.

If the client refuses to travel, the company not only withdraws the order, but also pays compensation for unfulfilled obligations. Therefore, funds are usually not returned. To avoid such cases, insurance is used, which guarantees a refund if you do not leave. Many firms compensate 85-90% of the funds paid.

Actions in case of refusal of payments

In the event of an insured event, the company must pay the costs of the client. Only for this you need to provide documentary evidence of a difficult situation. But sometimes the agency refuses to pay the funds. If the client is sure that he is right, then he must file a lawsuit in court to receive his money.

Usually, with the onset of an insured event, firms fully pay the due funds. Otherwise, in a lawsuit for violations, the license may be revoked, and because of this, it is impossible to continue the work of the company. Therefore, before applying for insurance, you need to choose a reliable company that will fulfill its obligations.

Insurance is a service that modern travelers often underestimate. The well-known expression "the miser pays twice" is confirmed in practice everywhere. In order not to become like this miser, it is worth paying once, but to warn of possible negative consequences from losing money in case of refusal from a previously planned trip.

Usually this service is referred to as "insurance against non-departure". What does it give the traveler? As a rule, the insurance itself has different programs for compensating losses from risk: “Medical risks”, “Impossibility to travel”, “Lost baggage”. It is possible to limit yourself to only one program. With one significant "but". The travel cancellation insurance service cannot be ordered separately, without health insurance. Therefore, we will consider here not only the features of compensation for insurance against travel restrictions, but also compensation for medical risks.

Travel insurance: briefly about the important

Travel cancellation insurance is a product that allows you to return the funds spent on booking services if the trip cannot take place for objective reasons. As a rule, a free interpretation of the concept of "objective reasons" is not a basis for the payment of insurance indemnity. These reasons are strictly regulated and spelled out in the text of the contract; they may differ depending on the specifics of the service.

The issue of non-departure insurance often arises in the case of the purchase of a finished tourist product. This service is included in the package. In fact, a voluntary service often becomes a “pleasant surprise” that is not always possible to refuse.

Tour insurance against non-departure guarantees the return of the certain amount of funds specified at the conclusion of the insurance contract in the event of an insured event. In fact, the amount of funds spent on the trip is insured.

Insured event in case of non-departure abroad

The payment is made on the basis of the recorded fact of the occurrence of the insured event. Their list may vary depending on the terms of the contract. Therefore, you should pay special attention to it if you decide to use insurance.

There are general rules and restrictions on the basis of which a decision is made to reimburse expenses or refuse payments if travel insurance is purchased. Insured events in case of non-departure:

• Death, injury, health disorder of the insured person or relatives, or relatives of the spouse, a person traveling together in the presence of a common reservation.
• Damage to personal property from fire, water damage, damage by third parties during the period of the contract.
• Participation in court proceedings on the basis of a court act.
• Consulate's refusal to issue a visa.
• Call for military service (fees).
• Early return or after the deadline from abroad for medical reasons.

The programs of insurance companies offer different options for travel insurance. Therefore, you need to carefully read the terms of the Insurance Policy in order to decide whether this program is suitable for you, or choose other conditions. Travel cancellation insurance is non-refundable and non-refundable.

Restrictions on recognition of an event as insured

Insurance companies currently impose limits according to the specifics of the program they offer as a service. Ingosstrakh does not recognize an event as an insured event if at the time of the occurrence of the event it is established:

• The presence of alcohol or other (narcotic, toxic) intoxication.
• Natural disaster or force majeure.
• Intentional action of the insured or close relatives, persons traveling with him/her.
• Exacerbation of chronic diseases.
• Presence of pregnancy.
• Classes in various sports (for this, other ways of obtaining insurance with a special multiplying coefficient are provided).
• Commission of unlawful actions that have a causal relationship with the insured event.

Natural disasters, force majeure cannot be an insured event, as they are of a massive nature, and if recognized as an insured event, they could cause significant damage to the company. The purpose of travel cancellation insurance is to cover individual risks.

When is it profitable to insure against non-departure?

To choose or refuse the service is a voluntary decision of the traveler. There are reasons that make this service a uniquely worthwhile solution. If:

• children go on a trip;
• the tour is purchased and paid for in advance, for a long period of time before the trip, and there is a high risk of refusal;
• the trip involves the risk of not obtaining a visa from the consular services;
• planned taking into account a long journey, including the use of water transport;
• travel is organized to exotic countries or countries with an unfavorable epidemiological situation;
• when making a sea cruise - the cost of such voyages is significant, it is acquired long before the start of the trip and is associated with the use of transport of increased danger.

In such cases, it is very important that there is travel insurance. It's very easy to set up and purchase. You should decide in advance on the specifics of your trip and assess your personal risks so that the choice of insurance program best suits your own needs.

How to buy travel insurance

Several design options are possible:

• Insurance Company.
• Insurance intermediary (agent, bank, travel agency).
• The tour operator from which the trip is purchased.

If you have the mood, opportunities, or you have a certain competence in the field of insurance services, you can choose on your own the company whose product will satisfy your request to a greater extent. An insurance intermediary may offer several options for registration with different companies. It is clear that for this he receives his commission. If you believe that a person has a sufficient level of professionalism, and you trust him, discuss all possible options and take out travel insurance.

Separately, it is worth dwelling on the case of purchasing insurance from a tour operator. Today it is the most common way of travel insurance.

For insurance, you must submit personal documents, pay the insurance premium no later than a week before the planned departure. When signing the contract, consent must be given to the processing of your personal data.

Purchasing insurance as part of a tour package

The best option is if you purchase insurance as part of the tour. When registering in agencies, they form a package of documents, which includes: tickets, voucher, insurance, visa. All tour operators insure against non-departure. Since they are directly interested in the quality of your trip and are responsible for it, this option best suits your goals. Especially when organizing trips with a high degree of risk.

The operator "Tez Tour" insurance against non-departure is included in the cost of the tour and is removed from the package at the personal request of the traveler. Many representatives in the field of outbound tourism organizations work according to this rule. If there is a desire to reduce the cost of the tour, and you think that insurance is not needed, discuss this situation when booking services. It won't be possible to do it later.

Often, when buying a tour, you are given the opportunity to choose an insurance product with professional recommendations on the entire composition of the service. As a rule, Ingosstrakh insurance against non-departure is present in the portfolio of many outbound tourism operators, along with other service providers. A significant factor in purchasing insurance from a tour operator is that insurance here takes into account the specifics of the formed tourist product and travel conditions.

How to behave in the event of an insured event

The period of validity of the insurance starts from the moment of signing the Contract and full payment of the insurance premium and until the end of the trip. If the insured event occurred before the start of the trip, you need to take all measures to reduce financial losses. Cancel reservations, tickets, other services included in the package.

Within the period of time specified in the Insurance Policy, an application must be submitted in writing for reimbursement of the cost of risks. Prepare documents confirming actually paid services and information on reimbursed funds from service providers. The Treaty spells out the sequence of preparation and composition of these documents. An agent of the insurer can assist in their preparation.

If the insured event occurred abroad, you should always have data with you in this case in order to quickly use the service. First of all, it is important to know which insurance company you have. Travel insurance contains this information. It is not necessary to carry the entire Insurance Contract with you, which, as a rule, requires a fairly large amount of information. Almost all insurers provide a special customer card that contains product data. It is very convenient when traveling abroad.

In order to competently and effectively use the insurance, in the event of an insured event, you must report the occurrence of the event to the telephone number indicated in the information at the location, or to the central office. After the policy number and surname are reported, an insured event is recorded, your event will be controlled by the insurer, you will be prompted for further actions.

Why insurance won't pay

There is insurance against non-departure, drawn up according to the rules, the case has come, and the insurer refuses to pay insurance compensation. This situation occurs and is actively discussed in the forums about trips and reviews about insurance companies. Why? There are some features that should be considered in order to avoid such incidents. Let's consider them.

The Agreement contains conditions for the execution of documents that are not always taken into account by the insured. For example, some contracts prescribe that the date of booking and the date of signing the insurance contract must match. Either insurance against non-departure is limited to certain periods from the date of purchase of the tour, or other conditions for paperwork are required.

If the insured event occurred on the territory of a foreign state, during the initial examination it is worth documenting that the insured person was not in a state of alcoholic (drug, toxic) intoxication.

Subsequently, it is difficult to prove the opposite. Subsequently, if the medical case is not properly recorded and entails hospitalization and a change in the timing of the completion of the trip, problems may arise in recognizing the case as insured.

In the event of an arbitrary deviation from the travel itinerary, the insurance against non-departure may not work. Pegas, the operator of mass tours, expressly declares that in case of purchasing excursion programs from third parties, the traveler loses the right to insurance compensation.

Large restrictions are provided for by the insurance contract with the Biblio-Globus operator. Travel cancellation insurance does not cover expenses, in particular, for insured events that have arisen in the event of purchasing excursion programs from third parties, operators, while practicing various sports.

double insurance

When traveling, you can ensure your safety through double insurance. For example, if a tour is purchased, but for various reasons it is necessary to deviate from the travel route. Or if the cancellation insurance as part of the tour package does not meet the needs of the traveler, then it is reasonable to provide additional travel insurance.

It is convenient to use the bank's additional services for travel insurance, which are included in the package linked to bank cards. Customers often do not remember the availability of such services, despite the fact that they regularly use these paid packages. It is enough to contact the servicing bank and get comprehensive information.

Cancellation insurance: what is included and what you should pay attention to

First of all, you should carefully read the terms of the contract, information about the company, as well as the restrictions that the travel insurance contains. Insured events that are accepted for reimbursement may be related to health insurance and affect payment decisions.

The service for compensating the risk of not traveling abroad cannot be issued separately, without a medical one.

Specify whether the insurance contract provides for a deductible - the amount of deduction from the insurance payment, and what is its value.

Checking the correctness of the executed documents and the compliance of your personal data with those included in the insurance is a prerequisite.

An error may be a legal basis for refusing to pay insurance compensation. It does not hurt to have on hand the contact of the agent who issued the travel insurance. Insured events in this situation can be discussed immediately upon the occurrence of the event, it is guaranteed to prevent possible erroneous actions.

When planning a trip to the Schengen countries, it is advisable to take out insurance for the period of the trip, plus one day or more. Consular services pay attention to the date when deciding whether to open a visa. The need for additional days is due to the possibility of a delay in the departure of the aircraft and a change in the date of return from the trip.

If you take into account all the subtleties when applying for an insurance service and not be too lazy to analyze the content of the Service Compensation Agreement in the event of an insured event associated with not traveling abroad, you can protect yourself from the risk of losing money by 100%. Agree that the cost of a trip abroad is worth such foresight.

Trips abroad, especially if it is supposed to make a tourist trip, are always expected by travelers with special trepidation and excitement. However, sometimes the anticipation of a pleasant pastime is replaced by serious disappointment and even financial losses. The fact is that situations in which a tourist for some reason cannot enter the country of his choice, or leave Russia, arise quite often.

It is obvious that the full amount paid to the travel agency and the air carrier cannot be returned on its own - some part of it will be withheld in the form of commission fees, fines and compensations. Few travelers know that avoiding such an annoying situation is quite simple - it is enough to purchase the so-called insurance against not leaving the country in advance. What is such insurance, and what is its cost?

When purchasing a tour from a tour operator, in fact the traveler pays for a whole range of services, which includes buying air or train tickets, booking a hotel room, paying consular fees and the work of the host, etc. In the event that the client refuses to travel at the last moment, the tour operator has to terminate the previously concluded contracts, paying the penalties and fines provided for by their provisions.

This means that the tour operator simply will not be able to return the money spent by the traveler - the lion's share of them will go to repay the formed debt obligations. It is in this case that insurance against travel abroad will allow the client to return almost the entire amount of funds spent on paying for the tour without involving the tour operator in solving this problem.

Insured events

The list of insured events, which, as a rule, are included by insurance companies in the package of insurance against non-departure, includes:

• illness of the purchaser of the voucher or his relatives with the need to stay in a hospital;
• the presence of medical contraindications for vaccination required to visit the country chosen by the tourist;
• refusal to issue a visa to the buyer of the tour or persons traveling with him;
• summons to court, the army or urgent military training;
• causing serious damage to the property or personal belongings of the traveler due to flood, fire, robbery and other similar force majeure circumstances;
• the delay of the traveler on the way to the place of departure for the trip, due to his getting into an accident and the need for his presence during the execution of all related documents with the involvement of representatives of state bodies;
• early return of a traveler from a trip due to the death of a close relative, theft of his vehicle, damage to his home, etc.

When is insurance not paid?

When taking out an insurance policy, it is worth remembering that not all reasons why a trip cannot be made can be qualified as insured events. So, Compensation will not be paid if:

• the traveler's illness can be treated on an outpatient basis;
• the health problems of the traveler were caused by pregnancy or other changes in the body that became its consequence;
• the purchaser of the voucher was injured while in a state of intoxication;
• the reason for summoning the insured to court was the commission of an offense by him;
• the trip was canceled or was rescheduled for another time due to the fault of the tour operator;
• the carrier company or tour operator has ceased operations;
• the policyholder's vacation was interrupted due to operational necessity;
• the issuance of a visa was denied due to incorrectly executed documents or the absence of some of them;
• the insured event was caused by a war, a terrorist act or a strike in the territory of the country that was supposed to be visited.

Before signing the contract, you should carefully study the list of cases that are not insurance- it is quite possible that it includes too many force majeure situations, as a result of which it will be almost unrealistic. Before the trip, it is worth studying all the nuances of rest in the chosen place - it is possible that the trip may become unsafe due to unfavorable natural or political circumstances characteristic of a particular country or locality.

Price

As a general rule, travel cancellation insurance must be issued no earlier than 14 days and no later than 3 days until departure. Travel cancellation insurance is voluntary and cannot be imposed on the client by the insurer under any circumstances.

The exact cost of the service varies depending on the tariffs set by the insurance company and the price of the tour purchased by the insured. As a rule, the amount of reimbursement paid to the traveler is approximately equal to the cost of the tour: in this case, you will have to pay for the insurance itself from 1 before 5% from the ticket price.

In some cases, the so-called compensation is deducted from the amount - its size varies from 10 before 15% from the ticket price. The fact of the presence or absence of such a payment is established by the terms of the insurance contract concluded between the traveler and the insurance company. The higher the cost of the tour, the higher the amount that you will need to pay for insurance. This is due to the fact that the greater the amount of insurance coverage, the greater the risks the insurance company bears.

When choosing an insurance company, you should pay attention to whether it has accreditation from foreign consulates. the document can be both at the office of the insurer and on its website (most of the largest organizations provide their customers with such an opportunity). If you purchase the policy online, you will need to pay for it with a bank card and print it on a regular printer - you will not need to additionally certify and sign it.

In the event that the trip was successful, the money spent on paying for the insurance will not be returned to the insured.

Get insurance

How to act in the event of an insured event?

In order to receive compensation established by the provisions of the insurance contract, you must perform the following steps:

• notify the insurer of the occurrence of an insured event within 24 hours from the moment of its occurrence;
• write a statement in which the circumstances of the situation are as detailed as possible;
• collect a package of documents confirming the legitimacy of refusing to travel (a summons to the army or to the court, certificates from a healthcare institution, refusal to issue a visa by the consulate, etc.);
• prepare a calculation of the amount of compensation and attach documents confirming the amount received (airline tickets, receipt for payment for travel agency services, etc.);
• indicate the details of the bank account to which the funds should be transferred, and wait for the transfer of the compensation payment.

The sooner all of the above actions are completed, the more likely it is that compensation will be paid on time and in full. Firstly, a representative of the insurance company can assist the client in preparing an application for receiving funds and indicate the exact composition of the package of documents required for issuing a refund. Secondly, delaying the deadlines for applying may result in a refusal to pay on the basis of the fact that the policyholder deliberately increased the amount of losses incurred by him, subject to compensation.

Insurance against travel abroad is a service that allows the traveler to return the funds spent on the purchase of a tourist voucher in the event that for some reason the trip does not take place. However, when taking out such insurance, it is worth remembering that not all force majeure insurances are included in the list of insured events that allow the insured to get his money back. Before concluding a contract with an insurance company, you should carefully study all its provisions and nuances, as well as situations in which payment of compensation becomes impossible.

Everyone knows that the cheaper the air ticket, the stricter the rules for its return and exchange.

Reference: April 21, 2014 V.V. Putin signed the Federal Law on Amendments to the Air Code of the Russian Federation. "In accordance with the law, it is possible to conclude an air transportation agreement both on the condition of the return of the carriage fee upon its termination, and on the condition of non-refund of the carriage charge upon its termination (the so-called non-refundable tariff) .

It is worth noting that the signed Federal the law applies only to Russian carriers. Foreign airlines operating on the territory of the Russian Federation in accordance with intergovernmental agreements and before the adoption of the law had the opportunity to sell non-refundable plane tickets.

How to find out if a ticket is refundable

As practice shows, 80% of tickets purchased by travelers are non-refundable. Using metasearch services (such as aviasales or skyscanner), future passengers definitely set the purchase of air tickets at the lowest cost as one of the main goals.

As a result, purchased air tickets are often non-refundable according to the rules of the airline.

After the ticket is paid for, the rules of the fare at which it was purchased come into force. If you know in advance that a situation of "non-departure" or "non-departure" is possible and you would like to be able to return the money for the ticket - before paying for the ticket, receive from the airline or air transportation agency written confirmation of the fare rules.

The best option is to contact by phone and request a refundable ticket calculation.

Should I buy non-refundable tickets?

Of course it all depends on the circumstances, but the answer is more yes than no.
Tariffs for air transportation can be conditionally divided into 3 groups:

• non-refundable;
• subject to return with a fine;
• refundable without penalty

The price difference is very significant:

• for Russian air carriers - tickets subject to return with a fine of 30-50% more expensive than non-refundable tickets. Ticket price refundable without penalty - 2-5 times higher (compared to irrevocable);
• for foreign carriers - tickets handed over with a fine more expensive by 50-100%, tickets returned without penalty may be in 10-15 times more expensive(depending on direction).

Indeed, airlines offer the so-called "built-in fare" insurance against non-departure due to the difference between non-refundable and refundable fares, however, the cost of such "insurance" is often too high for the tourist.

An exception to any fare rules is the death of the passenger himself or his next of kin. Most airlines no refund is provided in the following cases:

• denial of a visa to a passenger;
• passenger illness;
• in other cases that did not allow the passenger to fly in accordance with the purchased tickets.

Rules

Compensation rules: depend on the terms of the insurance contract of a particular insurance company.

Receiving an insurance payment: upon the occurrence of an insured event, you must submit a written application to the ticket seller or the airline within 24 hours to cancel unused tickets, then inform the insurance company and provide the necessary documents within 5 working days.

Documents for receiving payment:

• application for insurance payment;
• documents confirming the fact of payment for air tickets;
• documents confirming the return of part of the amount of money by the seller of tickets or the carrier (if part of the amount was returned);
• a copy of the application for the cancellation of unused tickets;
• confirmation of the presence of a loss in connection with the cancellation of air tickets - from the airline;
• official refusal of the consulate (if any);
• original passport.

With comprehensive insurance of air tickets against trip cancellation, you may need to extended package of documents confirming the insured event:

• if it is impossible to travel due to illness, injury or death, death of a spouse or close relatives - a certificate from a medical institution, a notarized copy of the death certificate, documents confirming the relationship;
• if it is impossible to make a trip due to damage to property belonging to the insured - police reports or relevant administrative services confirming the fact of damage;
• if it is impossible to travel due to a summons to court - a court summons certified by the court;
• if it is impossible to make a trip due to a call to the military registration and enlistment office - a summons certified by the military registration and enlistment office;
• in case of forced loss of work - the original or a work book certified by the employer with a record of dismissal.
• in case of an accident - documents confirming the fact of a road traffic accident involving the insured, an extract from the medical record confirming that the insured has bodily injuries (if any).