Travel Insurance

TRAVEL INSURANCE

Travel Insurance в Україні – це комплекс багатостороннього захисту фізичних осіб під час подорожей та різних поїздок, що стосується не лише health та життя мандрівників, а й інших сфер, що поширюється на громадян України та іноземців, діє всередині країни та за кордоном.

This type of insurance protection is mostly voluntary, but there are circumstances when the availability of such insurance is a mandatory requirement.

Now about everything in order.

Why do you need travel insurance?

Поліс туристичного insurance – це запорука спокою та гарантія фінансової підтримки у світі непередбачуваних ситуацій, пов'язаних із подорожами.

Будь-які поїздки – це підвищений ризик несподіваних ситуацій та збитків, а перебування в незнайомих місцях – додатковий стрес від переживань, як вирішити непередбачувані проблеми. Це вдома «стіни допомагають» і все необхідне поряд: сімейний лікар, довірений юрист і перевірене СТО, а далеко від звичних місць цього немає і коштувати різні послуги можуть не дешево.

A simple and inexpensive solution to problems will be a travel policy that will protect you both on a tourist trip and on a business trip. Buying insurance will save you unnecessary worries and unforeseen expenses in the future.

What can be protected with travel insurance?

Збираючись купити туристичну страховку, більшість думають про страховий захист життя та health – це найпоширеніший туристичний поліс, відомий кожному, хто виїжджав за кордон.

But travel insurance protection also covers liability and property. It is possible to insure both the things that are with you on the trip and the property left without your supervision at the time of departure.

What risks, how and when are insurance contracts covered?

SG TAS programs cover all areas of travel insurance and include not only financial compensation for losses, but also medical, informational and legal assistance (organization of assistance). Namely:

1. Medical expenses insurance (during trips in Ukraine and abroad), which may include:

• emergency medical care;
• outpatient and inpatient treatment;
• dental care;
• transportation and medical evacuation;
• payment for the travel of a medical worker or an accompanying person;
• residence of accompanying person;
• payment for communication services with the Insurer;
• information and consultation support related to the organization of treatment.

Insurance risks under this contract are: sudden illness or accident during the trip of the insured person.

For the period of the COVID-19 pandemic, such a policy, as a rule, additionally includes protection in case of infection with this virus.

The limit of the sum insured per insured person for medical expenses is at least 30,000 euros (for the countries of the European Union, according to the EU Visa Code) or 50,000 USD (for the USA, Australia, Japan, Canada and New Zealand).

Advanced insurance (with additional options) will have higher limits. Insurance for individuals (athletes, pregnant women, the elderly) will cost more.

Get details from consultants online.

2. Accident insurance, which provides for the payment of monetary compensation in case of temporary incapacity, disability or death of the insured person as a result of an accident during travel.

3. Insurance цивільної відповідальності – забезпечення вирішення конфліктних ситуацій у суді, юридична допомога та     відшкодування збитків у разі заподіяння застрахованою особою з необережності шкоди третім особам (за кордоном).

4. Insurance of the property of the insured person (in Ukraine) during his trip. Includes coverage of risks from:

• пожежі;
• lightning strike;
• вибуху;
• fall of manned aerial objects;
• natural disasters and atmospheric phenomena;
• illegal actions of third parties (burglary and theft), collision of ground vehicles;

The program also insures civil liability to neighbors in case of damage to their property due to flooding or occupation of the insured person's property.

5. Baggage insurance against loss or damage. Such an option usually includes an extended version of travel insurance for traveling abroad.

6. Insurance для подорожуючих на автомобілі (обов'язкове та добровільне). Як захистити своє авто в подорожі, дивіться в розділі Car Insurance.

7. Insurance for obtaining a work or study visa, which is a mandatory condition for traveling abroad for the purpose of work or study.

8. Informational support, including the organization of medical assistance to the insured person in the event of an insured event, as well as the organization and payment of the cost of obtaining documents in the event of their loss.

When and who needs travel insurance?

Туристичний поліс це – не тільки страховий захист подорожей, пов'язаних з відпочинком, а й у зв'язку з навчанням, лікуванням, спортом, роботою. Це комплексний захист для різних категорій туристів на території України та за її межами.

Insurance туристів переважно добровільне та договори укладаються на вибір та за бажанням клієнтів. Але в окремих ситуаціях – це обов'язковий документ (умова). Наприклад, для отримання візи на в'їзд до країн, з якими не укладено безвізовий режим відвідування, або для зайняття певними видами діяльності за кордоном (для роботи чи навчання).

How to choose the right conditions and which insurance to take out?

Everyone can make an individual choice of insurance conditions. When ordering a policy, it is possible to choose not only the program, but also individual options (for children or adults who plan active tourism or extreme sports).

You can take out personal (for one) or group (up to 4 people) insurance, for example, a general contract for yourself and a child.

You can buy a policy for one or several trips at once (multi-trip).

Travel insurance can be issued for a period of 4 to 90 days.

Check with our consultants about the design features (available online).

How does travel insurance work?

Throughout Ukraine and abroad, SG TAS has a network of reliable assistance companies that can provide assistance to victims in case of need. Having a travel policy, it is enough to contact our assistant partners using the details specified in the contract, provide your details and explain what happened. Then just follow the recommendations of the assistance representative.

You can also contact us 24/7 by phone or online. Compensation of a certain amount for contact with SG TAS specialists and assisting partners is stipulated in the terms of each contract.

How much does a travel insurance policy cost and what does the price depend on?

The cost of average travel insurance varies from 100 to 1000 UAH. It's quite inexpensive considering the protection and peace of mind you get. At the same time, the price of your policy will be determined only by your wishes:

• travel time (travel duration);
• direction of travel (European countries are usually cheaper than other regions);
• the purpose of the trip (active tourism and extreme sports will be more expensive);
• list of selected risks;
• insurance amount (depends on the program and selected options);
• the number of insured persons;
• вік застрахованої особи (до 70 років – тариф стандартний, для людей похилого віку – підвищений);
• the presence of a franchise.

The policy cost can be calculated on the website using an online calculator.

How and where to buy travel insurance?

Сьогодні для розрахунку та оформлення страхових contractsв, пов'язаних з туризмом, не обов'язково відвідувати туристичну агенцію чи страхову організацію – найпопулярніші поліси можна розрахувати та to issue онлайн.

What do you need to know?

1. Online registration of electronic contracts is provided for the following products: travel insurance, visa insurance, Green card (for tourists traveling abroad by car).
2. An electronic policy has full legal effect and costs the same as a paper counterpart.
3. It is convenient to use the electronic contract, presenting it simply from a smartphone, and if necessary, it can be printed.
4. In some cases, an electronic policy or its printout will not be suitable. If you need a contract with a wet seal, it can be ordered online and received by mail to Kyiv and any populated place in the country.
5. Calculate та to issue поліс через інтернет просто, зробити це можна за 5 хвилин.

How to issue a travel policy online?

1. Get familiar with our travel insurance products in special sections on the website.
2. Select the required program and, if necessary, specify the nuances.
3. Make a preliminary calculation of the cost of the policy using an online calculator.
4. Enter information about yourself and the trip.
5. Check the correctness of the details and pay for the policy online with a bank card.
6. You can receive the contract in electronic form to the e-mail specified in the application or in paper form and with a wet seal by mail.

Чому СГ ТАС – це найкращий вибір туристичного insurance?

СГ ТАС – лідер страхового ринку в Україні та одна з найнадійніших компаній.

Our insurance solutions for tourists:

• The widest range of products that include all areas of travel insurance;
• The largest network of representative offices throughout the country;
• the best price/quality conditions for both standard and advanced programs;
• prompt settlement of payments under contracts (up to 5 days), in particular online;
• quick and high-quality organization of assistance within the country and abroad;
• quick calculation and execution of contracts online 24/7;
• round-the-clock medical, information and legal assistance;
• urgent delivery of the policy (with a wet seal) not only to Kyiv, but to any point in Ukraine.

Travel insurance from SG TAS is affordable and reliable protection for you and your loved ones on any trip.