received the long-awaited vacation and you travel, we rarely think about what could spoil our holiday.A list of all possible risks is enormous: from small flight delays to the implementation of unscrupulous travel company of its obligations.A lot of trouble can be avoided by taking care of everything in advance.One of the biggest hassles that can wait decided to rest abroad tourist, could be denied a visa.Embassy of the country has the right to deny a visa for Russian tourists, even with an impeccable biography.The reason for the refusal, as a rule, is often a lack of experience in foreign travel and initial visa.Customers travel companies often ask, "Will my money refunded for the ticket in case of refusal to issue a visa?", "Will I be able to return a full refund in the event of force majeure?".Insurance on his own recognizance came to this country from Europe recently.It is a civilized and very simple way of solving the problem of money back in case of failure of the trip.
The concept of "insurance on his own recognizance" includes the following risks:
- hospitalization or death of a tourist or his close relatives (a circle of relatives specified in the Agreement, or Family Code).
- refusal of a visa;
- conscription or subpoena as a witness, victim, accused;
- an emergency in the apartment tourist (burglary, fire, flood, etc.);
- early return of tourists traveling in case of illness;
Insurance on his own recognizance abroad is made on a voluntary basis at the request of tourists during their tour booking agency, or within three days of purchase vouchers.Typically, such insurance can be obtained in the agency in which the tour is purchased.In some companies, its design is a prerequisite for acquiring tickets.
cancellation expenses insurance covers the following expenses:
- of the canceled ticket (in case it can not be handed over to the cashier of the airport);
- by reservation at the hotel;
- costs associated with the early return of the insured person from the trip;
All charges payable under the insurance must be documented.This type of insurance provides the citizens not unconditional payments when the insured event.Before you pay the cost of the canceled for any reason, the tour, the insurance company is required to find out the causes of this situation and then make a decision about compensation insurance, or refuse it.
insured event does not recognize the following circumstances: adverse weather conditions or natural disasters in the destination country, the suicide of the insured person, pregnancy, presence of chronic diseases.
In case of refusal to issue visas to foreign embassy insurance on his own recognizance is the only way to return spent on the purchase of travel money.The main problem of this type of insurance is often the embassy do not explain the reason for his refusal of a visa.If the insurance company during the proceedings can not accurately determine the cause for which it was decided to refuse it therefore can not take a positive decision on the payment of insurance.The only possible way to make the payment in this case is a personal appeal to the embassy of the country to explain the reasons for the refusal of a visa.
Despite the fact that the insurance market in the field of tourism is poor, the insurance on his own recognizance is an excellent opportunity to save money in case of emergencies during the holiday abroad.To avoid problems with getting money for it, you should carefully examine the contract that you sign at the time of registration.Legal literacy will not only avoid going to court, but also significantly accelerate the process of receiving payments.
