What is and why you need insurance against non-refund?

Often the desired rest breaks for some reason. This may be due to an error in the execution of documents, illness or other factors. Because of this, people do not go to their favorite resort, and they also lose finances. But there is a possibility of compensation of means. The insurance against non-departure will be the best solution. More details about it will be told in the article.

general information

Unlike health insurance, insurance against non-departure is made at will. Often, the service is included in the price of the tour, but often people have to deal with buying a policy on their own. With the onset of difficult circumstances, the agreement allows us to cover expenses, almost 80-90%.

It is not necessary to count especially on the help of the travel agency, because when refusing to travel it pays fines to various partners: tour organizers, hotel owners, carriers. Therefore, with the purchase of a voucher, you must think in advance about possible surprises, as well as insurance against their consequences.

Why is it required?

Insurance against non-refoulement abroad 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 in the event that there is no certainty of whether a visa will be granted.

Insurance completely reimburses costs. You can arrange it for everyone, including in addition to other insurance. But before that you need to familiarize yourself with what this service includes. Do I need insurance against non-refund? To compensate for costs for many risks, it is necessary to formalize this service.

Insurance cases

There are several reasons why you need insurance against non-refund. Insurance cases are as follows:

• Death or illness of relatives;
• Presence of medical contraindications;
• Hospitalization of relatives;
• Refusal to grant a visa;
• Urgent summons to court;
• 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. It should be borne in mind that insurance must be issued not later than 3 days from the date of purchase of the ticket and no later than 2 weeks before departure. Only then it will have legal force.

Features of insurance against confinement

Now the insurance against non-departure to another country is in demand. When making such a service, the insured person is compensated:

• Payment of tickets;
• Reservation of rooms, hotels;
• Permits.

There are several options for obtaining insurance against refraining. The first case presupposes the availability of medical insurance for traveling to another country, but there is no inheritance. 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-departure. Many forms provide the opportunity to include additional functions, but for additional funds.

In the second case, it is assumed that there is no insurance policy. To visit another country, you need to buy a policy, otherwise it will not work there. The reason for this is the effect of the new law of the Russian Federation on lifting the state's obligations for citizens of the Russian Federation, who are in another country. Therefore, with the purchase of the policy it is necessary to provide insurance against non-departure. This will protect your vacation. But you need to take into account 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 insurance against non-refund. Cases in travel are different, and not for each of them is compensation. These include:

• Illness or injury to the insured person and his or her attendants, if only out-patient treatment is needed for treatment;
• Pregnancy and its consequences;
• A suicide attempt or other such act;
• Incorrectly issued documents;
• Delays by law enforcement agencies;
• Natural disasters, wars;
• Injuries sustained during alcohol and drug intoxication.

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

Cost

The price of the service is determined depending on the ticket price. In the event of an insured event, the firm reimburses the costs spent on the trip. Only it is necessary to adhere to the deadlines so that the payments will not be refused.

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

Canceling a tour or refusing a visa: what should I do?

In case of an insured event it is necessary:

• During the day, notify in writing about the reason for the refusal to travel;
• Documents supporting this event are attached to the application;
• Prepare the rest of the documentation - tickets, insurance, passport.

A trip is a responsible event, but there are situations that it breaks down. Then, apart from personal difficulties, expect a material loss. The insurance of air tickets from non-flyback allows you to compensate for costs.

Features of travel insurance

Companies offer insurance against travel. Many people think: why overpay if a difficult situation may not occur? 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 registering the service, you need to check the firm. It takes 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 should be written clearly.

It is advisable to see photos and videos about the company, as well as read reviews. This will make the right choice. It should be borne in mind that a reliable firm will not hide anything from its customers.

Service advantages

Such insurance appeared because of the activities of tourist companies. They are intermediaries between the client and the destination. With the signing of the contract with the tour operator and the performance of calculations, the firm pays for the services of foreign partners, which is stipulated in the ticket. Also, payments are made related to the customer's departure and obtaining a permit.

Payments include:

• Purchase of tickets;
• Registration of permits;
• Services;
• transfer;
• Accommodation for the duration of the trip;
• excursions;
• Additional services.

If the client refuses to travel, the firm not only withdraws the order, but also pays compensation for unfulfilled obligations. Therefore, usually the funds are not returned. In order not to have such cases, insurance is used, on which the return of money is guaranteed when not leaving. Many firms compensate 85-90% of the paid funds.

Actions in case of refusal of payments

In the event of an insurance event, the firm must pay the customer's expenses. Only for this purpose it is necessary to provide documentary confirmation of a difficult situation. But sometimes the agency denies the payment of funds. If the client is sure that he is right, he should apply to the court to get his money.

Usually, with the advent of the insured event, firms are fully paid their funds. Otherwise, during a trial for violations, a license may be revoked, and because of this, it is impossible to continue the work of the firm. Therefore, before making insurance, you need to choose a reliable company that will fulfill its obligations.