Medical insurance for tourists on tours from Anex Tour. Why do you need insurance against travel abroad? Non-departure insurance anex tour

(archive) / Türkiye

The trip must be cancelled. I’m crying(((and I’m having trouble thinking due to frustration...I paid insurance from not leaving. Where should I go now: a travel agency, a tour operator or an insurance company? On the insurance company’s website, in the list of documents there is an insurance policy, but they didn’t give it to me, only the receipt lists, among other things, that insurance from non-flight 24$.

irina126... Quote: Paid insurance from not leaving. Quote: On the insurance company’s website, in the list of documents, there is an insurance policy, and they... were given to me, there is a medical policy. In addition to the column - insurance By honey.help, there is a column- insurance from not leaving. This document is the main one, together with the CONTRACT and the voucher + cash receipt. With the documents in your TA. Also look at the name of the insurance company from which honey.insurance(from her also insurance...before the trip the loss is no more than $30. Tez also has no problem canceling the tour. U Anexa 100% fine, in Belarus. But read the contract.

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Last modified: 04/10/2018

Attention! Since December 28, 2015 Changes in the system of voluntary insurance of property interests of citizens came into force Russian Federation when traveling abroad, related to payment of emergency and emergency medical care(approved by Federal Law No. 155-FZ dated June 29, 2015 “On Amendments to Certain Legislative Acts of the Russian Federation”). Please note that insurance will be included in the cost of the full package of services. To refuse insurance, you must sign an Application for Refusal to Conclude a Voluntary Insurance Agreement.

Insurance at VSK

Last modified: 09/11/2019

Sum insured for each insured person - 35,000 EUR.

On ski resorts In this area, the insurance program includes risks associated with winter sports.

What services does your insurance policy include?

Policy BUSINESS-CLASS includes:

• medical expenses;
• medical transportation costs;
• repatriation of the body in the event of the death of the Insured;
• the need for early return of the Insured in an emergency;
• the need to evacuate children accompanying the Insured;
• provision of administrative assistance: transmission of emergency messages in case of an insured event;
• the need to obtain medical information;
• emergency dental care costs
• expenses incurred in case of loss of luggage

What to do if you get sick while traveling

If during your trip you need to see a doctor (i.e. an insured event has occurred)

I. Contact the service company:

MedAssist International

• 24-hour help center (Moscow) +7 495 956 0907 (call costs are reimbursed according to the invoices provided)
• additional contacts (ONLY for sending documents):
  email mail: [email protected] ; What'sApp/Viber: +7 916 760 0992

From March 20, 2019 inclusive, all VSK insurance policies are issued with contacts of the service company MedAssist International instead of Odevick Services Ltd.
Odevik Services Ltd. will continue to function as before. All policies with Odevick Services Ltd contacts. will be serviced by Odevik.

II. Please provide the following information:

1. Your last name, first name, policy number and policy validity period
2. What are you insured by VSK?
3. Reason for seeking help
4. Your location (country, city)
5. Code and telephone number where the coordinators of the 24-hour help center can contact you.

If the call is a toll, keep proof of payment for the telephone call to the 24-hour help center - the insurance company will pay for it upon return.

If you paid for your medical expenses yourself, To reimburse them, you need to return from a trip to one of the VSK branches located in the city of your residence (addresses and telephone numbers of company branches can be found on the website www.vsk.ru) and provide the following documents:

1. A written statement (attached) containing full information about the insured event.
2. A copy of the applicant's identity document
3. Insurance policy
4. Medical report, extract from the medical history or other medical document indicating the patient’s name, date and place of application to the medical institution, diagnosis and list of services provided
5. Invoices from the doctor and/or medical institution, with confirmation of payment.
6. Invoices and receipts from the pharmacy, prescriptions written by a doctor on the letterhead of a doctor or medical institution with a signature and seal.

Important! Insurance cases requiring outpatient care (one-time visits to a doctor) can be paid at the request of the doctor/clinic by the insured person independently (they will be reimbursed to you upon return upon presentation of the necessary documents).

In cases of hospitalization, DO NOT pay clinic bills yourself without prior approval from the Service Company to avoid the provision and payment of services that are not covered and not subject to reimbursement.

Travel cancellation insurance

Travel cancellation insurance is a STRICTLY mandatory service when booking tours at special price offers, where this service is included in the tourist product. Its cost is paid in addition to the cost of the package tour.

Attention! In the event of termination of the insurance contract at the initiative of the policyholder, the paid premium is not refundable.

According to these Rules, insured events for the risks “Expenses incurred by the Insured in the event of impossibility to complete a pre-paid trip” and “Expenses incurred by the Insured in the event of early interruption of the trip” are the following events that occurred during the validity period of the Insurance Agreement, after the Insured paid the cost of the tour:

Inability to make a pre-paid trip in the following cases:

1. acute illness of the Insured or a close relative requiring hospitalization or, in the opinion of the Insured's attending physician, preventing the completion of a pre-paid trip;
2. injury received by the Insured as a result of an accident and, according to the decision of the clinical expert commission or in the opinion of the Insured's attending physician, preventing the completion of a pre-paid trip;
3. death of the Insured, a close relative of the Insured or a close relative of the spouse of the Insured;
4. the need to care for a close relative of the Insured or a close relative of the spouse of the Insured in connection with an acute illness or injury that occurred during the insurance period, confirmed by a certificate of incapacity for work or a conclusion from the attending physician;
5. a trial appointed after payment of the cost of the tour, in which the Insured must take part by court decision as a plaintiff, defendant, or 3rd party;
6. a criminal case or an administrative offense case initiated against the insured after payment of the cost of the tour;
7. damage that makes it impossible to further operate or destroy the real estate or car of the Insured or the spouse of the Insured, due to:

• harm caused by third parties,

provided that the investigation and elimination of consequences are carried out during the period of validity of the insurance contract;

conscription of the Insured or the Insured's spouse for compulsory military service or military training;

refusal/delay in issuing an entry visa upon timely submission of all properly executed and unfalsified documents required by the consular department of the embassy of the country of temporary residence;

failure of the Insured's spouse and/or their minor children to go on a planned joint trip with the Insured due to the Insured's receipt of a refusal/delay of an entry visa

events provided for in paragraphs a), b), c), d), e), f), g), i), j) that occurred with one or more persons included in the application for accommodation in the same room with the Insured.

Early interruption of a trip in the following cases:

• evacuation of the Insured before the end of the trip stipulated by the contract for travel services, according to a medical prescription to the place of permanent residence, organized and/or agreed upon by the Service Company or a representative of the Insurer;
• early return from a trip due to the death of a close relative of the insured or a close relative of the spouse of the insured;
• damage that makes further operation impossible, or destruction of real estate or a car belonging to the Insured or the spouse of the Insured, due to:
• fire (fire means the occurrence of a fire outside the places intended for starting and maintaining it);
• flooding with water from water supply, sewer and heating systems;
• harm caused by third parties;
• summoning the Insured to court as a witness or juror, official notification of which was received after the start of the Insured's trip.

What to do if you cannot go on a planned trip

If you cannot carry out your planned trip for one of the above reasons, you must report the insured event to VSK in writing.

VSK will reimburse you for the actual expenses incurred for the purchased tour in accordance with the contract for tourist services, minus the amounts returned by the travel organization.

To pay insurance compensation you must provide:

• a written statement containing complete information about the Insured Event;
• original Insurance policy;
• a receipt for the receipt order for payment of services under the contract for the provision of tourist services or another document confirming full payment for the tour;
• a receipt for payment of the consular fee if it was not included in the agreement with tourism organization;
• contract for the provision of tourist services;
• written confirmation from the tourist organization of the amount of penalties withheld in accordance with the contract (requested from the travel agency);
• and
  • if it is impossible to make a trip due to an acute illness or injury of the Insured - an extract from the medical history (in the case of inpatient treatment), the conclusion of a clinical expert commission on the period during which the planned trip is contraindicated for the Insured, indicating the timing;
  • if it is impossible to make a trip due to the death of the Insured or his/her close relative - a notarized copy of the death certificate; documents confirming the relationship of the Insured with the deceased;
  • if it is impossible to make a trip due to the need to care for close relatives of the Insured - a notarized copy of the certificate of incapacity for work or the conclusion of the attending physician on how long the relative of the Insured needs unqualified care, as well as documents confirming the relationship of the Insured with the sick person;
  • if it is impossible to make a trip due to a trial or the initiation of a criminal case or reported an administrative offense - a copy of the court summons certified by the court or a resolution to be brought as an accused;
  • if an entry visa is refused, the original passport; an official refusal from the consular service of the embassy (if one was issued) and/or another official document confirming receipt of a refusal to issue a visa;
  • in case of delay in obtaining an entry visa, the insured person’s passport containing information about the date of receipt of the visa.
  • in case of loss or damage to real estate or the car of the insured: acts or certificates from internal affairs bodies, fire supervision or operational and emergency services confirming the fact, time and place of the event and the need for the insured to participate in the investigation and elimination of the consequences;

When applying for reimbursement of expenses incurred in connection with the early interruption of a trip, the Insured provides:

• a written statement containing complete information about the insured event;
• original Insurance Policy, document confirming payment of the insurance premium;
• a receipt for the receipt order for payment of services under a contract for tourist services or another document confirming payment for the tour;
• agreement with a tourist organization, booking sheet;
• documents confirming the occurrence of an insured event:
  • in case of medical evacuation of the insured: a doctor’s opinion on the reasons and timing of evacuation;
  • in the event of the death of a close relative: a notarized copy of the death certificate, documents confirming the relationship of the Insured with the deceased;
  • in case of loss or damage to real estate or the insured's car: acts or certificates from internal affairs bodies, fire inspection or operational and emergency services confirming the fact, time and place of the event;
  • in case of a summons to court: a copy of the summons certified by the court;
• other documents at the request of the Insurer, allowing to objectively establish the fact of the occurrence of an insured event and determine the amount of expenses incurred;

Insurance for expenses associated with cancellation of a trip abroad is paid separately:

Good afternoon Please advise on taking out travel insurance.
We are going to Turkey with a small child in a month and a half. I immediately decided to take out travel insurance. When purchasing a tour (through Anex), the agency manager said that insurance would cost 5% of the tour cost. Since it was still in January, I didn’t delve into it then and decided to take out insurance later. Now I found out that my friends got insurance for only $30 per person when the cost of the tour was 2 times higher. As they explained to me, this is standard insurance from Anex. I asked my manager why she offered insurance for 5% of the tour, which is not cheap, and did not say about the insurance for $30. To which she began to explain that she offered me more expensive insurance from ERV, that there was more coverage there, and that in this case the agency itself would forward the documents to the insurance company. At the same time, she said that insurance for $30 should have been purchased immediately when purchasing the tour, but I didn’t know that!
Please tell me,
- How do these insurances differ? On the Anex website in the insurance section I found a description of the conditions, but there is no Turkey in the list of countries.
- does it make sense to overpay?
- Is it true that it is no longer possible to obtain standard insurance?
- What is the deadline for obtaining insurance before departure?

Unfortunately, I don’t really like the way the manager provides information, this is not the first time.

Insurance against failure to leave for maintenance is issued only immediately when purchasing a voucher. Last year, such insurance cost us about 2 thousand rubles, for 2+2 for 2 weeks, from Sanmar.

Later, you can arrange insurance yourself from insurance companies, and it will cost a percentage of the cost of the tour. Not profitable.

Friends don't confuse me. It’s a shame that the manager didn’t tell me about this right away! I called local insurance companies, almost no one does this, or only together with agencies. The insurance costs more than 3 thousand rubles, for 10 days for 2 adults.

The insurance costs more than 3 thousand rubles, for 10 days for 2 adults.

Depends on the cost of the tour. One insurance company that year calculated me about 8 thousand for travel insurance. That’s why I took it along with the tour from the maintenance department.
This year we decided not to take travel insurance. We didn’t take it right away, now it’s too late. And it will work mainly for the period BEFORE THE TOUR. That is. for a period less than 16 days before departure. If you cancel the tour more than 16 days in advance for various reasons, then the fine is $30, you can do without insurance.
In case of unforeseen circumstances, while you are already on vacation, the return plane ticket is still taken at your own expense.

Well, I’m saying that now you’ll have to pay 5% of the tour, but it would be 60 bucks for two.
Can anyone tell me how many days in advance is the DEADLINE to apply for insurance?

And why, if the trip is interrupted, is the ticket at your own expense? I think I read in the terms and conditions that expenses are reimbursed?

But all the same, if I had a choice right away, I would think about what to take.

get away from this...

There the coverage is more like that, there is no deductible and it includes not only inpatient illness, but also outpatient treatment and childhood infections.

Well, it’s good that such extensive insurance, leave everything as it is...

Eh, yes, I already realized that I made a mistake with the choice of manager and TA (((If only there were no problems with the trip!
And then tell me - when registering the tour, the tourists did not yet have passports, so only the full name is indicated in the contract. Now we have passports. Do you need to renew the contract?

Thank you.
Can the case of closure of the Russian border be covered in insurance? (closures for security forces due to recent events in Ukraine)

MOSCOW, April 24 - RIA Novosti. Russian drug police officers were not prohibited from traveling abroad, but were only advised not to visit countries that have signed an extradition agreement with the United States, FSKN director Viktor Ivanov explained to reporters on Thursday.

Information that all employees of Russian law enforcement agencies were prohibited from traveling abroad appeared in the media on Tuesday. Until now, such restrictions could apply to those employees who had access to secret documents.

However, already at the beginning of this week, representatives of the Federal Drug Control Service, the Federal Penitentiary Service and the Federal Migration Service assured that this was only a recommendation to refrain from traveling abroad.

RIA Novosti does not have a comment from the Russian Ministry of Internal Affairs, but sources in some regional departments confirmed that police officers were also advised not to travel abroad for the time being.

“The Federal Drug Control Service did not issue regulations banning employees from traveling abroad. But they advised us to adhere to the recommendations of the Ministry of Foreign Affairs,” Ivanov said.

Back in September last year, the Russian Foreign Ministry recommended that Russians refrain from traveling abroad if “there are reasonable suspicions that American law enforcement agencies have any claims against them.”

The Foreign Ministry took such a step against the backdrop of increasing cases of detention of Russians in various countries with the aim of their extradition and prosecution in the United States. Among such cases are the arrests of Russians in Lithuania, Spain, Costa Rica and the Dominican Republic.

Dozens of countries have signed a mutual extradition treaty with the United States, including Great Britain, Turkey, Thailand, Spain, Poland, Portugal, Latvia, Lithuania, Israel, Greece, Germany, the Czech Republic, South Korea and others.

According to the law “On the Fundamentals of Tourism Activities in the Russian Federation,” insurance is voluntary, but in practice, tourism operators are required to insure their tourists traveling abroad of the Russian Federation. To any tour purchased in Anex Tour A travel agency in Yekaterinburg will definitely include medical insurance. But we can offer other additional types of insurance:

Extended health insurance:

As a rule, this is a policy that includes a maximum set of risks, including exacerbation of chronic diseases, risks associated with pregnancy, early return from the country of travel, baggage insurance and legal assistance, depending on the set of risks will cost an average of 7-10 % more expensive than standard insurance.
And taking out extended insurance may be of interest to those tourists who anticipate the occurrence of the cases described above or are traveling for activities active sports, for example, skiing.

Using standard programs will take very little time to complete:

• Extended medical insurance with coverage up to 100 thousand EURO,
• Insurance against injuries (including those related to sports),
• Insurance against lost luggage,
• Civil liability insurance will help if you accidentally cause any harm to third parties during your trip.

Cancellation insurance:

Our more than 10 years of experience shows that buying a tour is not enough. Life is full of surprises and sometimes they happen at the most inopportune time. Injuries that prevent you from traveling, the death of loved ones, refusal to issue a visa - this is not a complete list of reasons that may prevent you from going to a vacation destination. And according to the terms of booking tours, it is not always possible to cancel a tour without deducting actual costs from the operator. To reduce such risks, our managers will offer you the use of non-departure insurance, which covers the above cases.
This may be especially interesting for those tourists who are planning to travel to visa countries heterogeneous composition of tourists (grandparents, parents, children, etc.).

We offer a selection of the best offers for tours from Yekaterinburg:

Prices for all tours without extra charges (direct contracts with leading tour operators in Russia),
promotional tours included" early booking for 2017" and hot tours:

Search for tours from leading tour operators in Russia,
100% relevance of favorable prices for tours:

Save a link to your search results, share it with friends or add your favorite offers to the cart.
Fill out a request for a tour - this does not impose any obligations on you, but will allow the manager to quickly understand what you want.

We care about you and anticipate your desires:

For motorists FREE parking (1 hour),

The popularity of travel insurance is growing every year. This practice is widespread in the West and is gaining momentum in Russia. Often, along with the design health insurance, insurance organizations offer tourists traveling abroad to purchase insurance against not traveling abroad. What this policy includes, in what cases it is valid and who will benefit from it are the main questions for travelers.

Before traveling abroad, tourists fully or partially pay in advance the cost of hotel accommodation, plane or train tickets. Thereby, you agree with all specified conditions and travel dates. If a vacation is canceled at the last minute, the airline, hotel and travel agency will not refund all funds spent. Travel agencies the percentage of refund in case of refusal is prescribed in the travel contract, depending on the number of days remaining before departure. The organizers do not care about the problems of the tourist, they pay in full charter flights, hotel stay and preparation of excursion programs.

It is worth considering all possible unplanned situations. To protect yourself from financial losses in case of failure to travel, you can purchase special insurance. It will be useful for those who think that circumstances may change. Useful if the tour is purchased in advance. If the trip and tickets are very expensive (for example, to Southern and North America, with long-haul flights to Asia), it is better to insure your trip against forced disruption. Tourists who once had to cancel a trip and were unable to recoup the money spent on organizing the trip will probably voluntarily find out the terms of travel insurance. The insurance is not related to your stay in a foreign country and ends at the moment of landing.

What is the price

The price of a travel cancellation insurance policy depends on the presence of prerequisites for the occurrence of an insured event, the cost of a trip, and tickets. Typically, the insurance rate does not exceed 6% of the tour price. The insurance contract must be concluded no later than two weeks before departure. The country of intended travel, the availability of visas and refusals of a foreign passport also influence. There is an opinion that with a clean passport it is more difficult to obtain a Schengen visa.

Calculations of the insured amount for non-departure insurance, rub.

That is, if the cost of a tourist tour is paid at 50,000 rubles, the policyholder will receive 46,600 rubles after the occurrence of the insured event. Part of the expenses that are not reimbursed tour operator, compensated by the insurer, minus the deductible. Policy price (3% of the tour) – 1500 rubles. is not comparable to the losses that a tourist would suffer if there was no insurance.

What does it include and cover?

Non-departure insurance begins to operate only when a person was unable to go abroad for reasons beyond his control. An insured event is considered to be circumstances that arose before departure and were unknown at the time of registration of insurance.

The insurance company covers the costs of a failed trip for the following reasons:

• sudden deterioration in health, sudden illness, unexpected admission to hospital
• death of the insured person or close family members
• calling men liable for military service to perform their military duties
• subpoena, mandatory presence at a court hearing where the client is a juror or witness
• unforeseen force majeure resulting in material damage (fire, robbery, flooding)
• failure to obtain a visa from the destination country.

Visa insurance is sometimes distinguished as a separate type. Refusal by the consulate becomes an insured event if the documents are submitted by the insured on time, without errors in filling out, if there were no previous violations of the visa regime, or rejected visa requests. The consular fee paid for insurance is not refundable.

In what cases is payment refusal possible?

Before paying for the policy, read the terms and conditions in detail. When paying, all trip cancellation factors are taken into account; exceptions written in fine print are important. Travel expenses are not reimbursed to a tourist if it is documented that the insured is aware of the factors of non-travel.

The insurance company refuses to pay insurance in the following cases:

• there is no need for inpatient treatment of a patient traveling abroad or his family members
• intentional infliction of injury to oneself, by conspiracy, by third parties
• suicide attempt
• childbirth, termination of pregnancy
• injuries sustained while under the influence of alcohol or drugs
• criminal activity
• recall from vacation due to production needs
• rescheduling of departure dates by the trip organizer or airline
• civil unrest, terrorist attacks, strikes
• outbreaks of infectious disease epidemics.

The case is not covered by insurance if the client was prohibited for health reasons, due to exacerbations of chronic and mental illnesses, or the consequences of previous operations. Being late for a flight is not considered a valid reason.

Documents for receiving payment

To receive compensation, you must have an insurance policy, an agreement with the tour operator, a check or receipt of payment, unused travel tickets. The insurance contract must include a list of documents required to confirm the reasons for canceling the trip.

The following documents will help confirm the occurrence of an insured event:

• a report from the hospital confirming the need for hospitalization
• death certificate
• document confirming relationship with the injured family member
• a copy of the passport page showing the refusal to issue a visa
• a copy of the summons to the military registration and enlistment office, court, prosecutor's office
• certificate of accident, road traffic accident
• police report with a statement of theft of property.

Where can I buy

You can apply for an insurance policy against travel abroad at almost any insurance company. Many large companies offer this type of insurance. It is possible to include it in the travel insurance contract as a separate option, with the total sum insured. In this case, the insurance rate will not increase much. SK EVR, Liberty, Alliance, VTB offer to issue a separate policy - the price will be much higher. You can buy insurance either at the company’s office or independently via the Internet. Search sites offer to compare the insurance conditions of different insurers, calculate the preliminary cost of the policy, enter the necessary personal data, pay and receive the finished document by email.

Advice, save the policy on your phone, this will allow you to have the insurer’s hotline numbers at hand, ask for help in time, and quickly receive qualified advice. Specialists will coordinate your actions and help you navigate an unforeseen situation.