Today there is probably no tourist agency which does not include insurance policy in their full documentation package. However it is not commonly known that in most cases “reduced” insurance programs are offered in order to attract clients with promptness and lower prices. That implies minimal set of services in case of illness or injury. The services include covering the expenses for medical treatment, medical transportation services, and repatriation in case of death. Some programs differ from the others by additional urgent dental services.
In reality insurance possibilities are much broader. In addition to the standard minimal set of services insurance policy may include organizing relatives’ visit and early return back home in state of emergency. If children are travelling insurance policy may include organizing their early return; it also may provide necessary assistance in case your luggage is lost or documents are stolen.
You may buy the insurance policy you need in an insurance company after you buy your tour – you will have to produce your tour documents. However it will take time to visit the insurance office. All possible situations are in fact provided for; the most important is learning to use the offered possibilities correctly in your interests.
If you do not inform the insurance agent of your intention to do diving, mountain skiing, or extreme sports during your tour and if you will not pay extra fee, you will not be able to benefit from your insurance in case you suffer injuries while doing those activities. As you expose yourself to more risk you should keep in mind the need to increase your insurance policy, otherwise your insurance claim may be rejected.
Silk Row Travel offers its tourist clients insurance with the broadest possibilities.
- Medical expenses for outpatient and inpatient care, expenses of emergency dental treatment, medical evacuation.
- Private accident.
- Expenses on transportation and repatriation.
- Expenses at passport loss.
- Transmission of urgent information.
- Communication service.
- Hospital allowance for every 12:00 am (every 24 hours) hospital stay.
- Third party civil liability expenses.
How the insurance protection works:
The assistance to our clients worldwide is provided by our partner service company, Specialty Assistance, based in the United Kingdom. Specialty Assistance gives insurees the access to a separate phone line with a very easy set-up. In case of an emergency all you have to do is to call Specialty Assistance at the phone number specified in the policy, and after that the operators will arrange for you all the necessary assistance.