It is given what is written on the insurance policy. When purchasing travel insurance, it is surprising that most people are only marginally informed about the details of their insurance policy. Either they are fed up with reading lengthy lectures that are “useless” anyway, or they look with interest at the insurance advisor\’s impressive smile and charm and imagine her next to them on a comfortable bed. And if the advisor is skillful, he or she will offer further services in the form of family insurance and annual premiums.
Annual premium
Paid to those who travel abroad regularly, quite often, or for long periods of time; a special service that is subscribed to for one year and includes all trips outside the Czech Republic; includes one-day or a few-hour cross-border trips; includes all travel to the Czech Republic and beyond. There is no need to visit a branch of the insurance company and you are always safe. Typically, this service is also less expensive, as is an annual policy.
Limitations may apply only to a single stay of more than two months, but this depends on the individual proposal of the insurance company. There are also cases where the area covered by the policy is limited. These are usually “European” or “World” type policies. However, there may be special offers for Slovakia or the United States. Insurers also have a list of hazardous areas that are not covered at all, usually conflict zones where endemic diseases are endemic or where the risk of contracting a highly contagious infectious disease is high. Insurance policies may also address this individual solution when going beyond the Arctic Circle or on special expeditions to the Antarctic Continent.
Family Insurance
Young couples with young children can take advantage of family travel insurance policies designed as convenient packages for families of three, four, or more. The basic policy consists of accident and baggage insurance and usually includes an interpreter and legal assistance. For example, if you are traveling by the sea with only your own car, you should at least have some form of coverage in this form. After all, there is a difference between traveling with a travel agent, who takes care of you from A to Z, and traveling across Italy or Austria in a caravan, where you have to deal with every situation yourself.