The advantage of annual insurance is that it includes many risks that are not covered by temporary travel insurance. For this, it must be canceled in good time, you no longer need the annual insurance. Here are a few tips on how you can enjoy your vacation without worries:
- Should you consider the item? Theft abroad? have not insured, you should insure your luggage separately. It is lost too quickly, but is then not covered by regular travel insurance. Unfortunately, many insurers only offer luggage insurance at an additional cost and are not included in the insurance package. Compare the possibility of extending the household insurance and taking out luggage insurance with one another and decide on the variant that is cheaper in terms of the premium.
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- Would you like to go on vacation by car? Then you should definitely cover the breakdown assistance (vehicle assistance). This means you are on the safe side if a tire blowout or an accident occurs on vacation. The insurance covers the costs for the breakdown service, the towing service and the return of the vehicle to Switzerland. In addition, the delivery costs for spare parts are paid for, but not the spare parts themselves. You would also have to pay for them yourself in Germany, so there is no insurance for them when you travel. In addition, vehicle assistance ensures the onward journey, even if this involves additional costs. Important: Protection is often limited to Europe.
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- If you are traveling to so-called problem countries, it may make sense to take out legal protection abroad. This is especially true if you will be traveling there with a rental car, because private liability does not apply there.
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- Medical expenses insurance does not cover all costs, but only covers the differential costs between the services that are provided by law and those that are effectively incurred. Accident insurance that also applies abroad can make sense.
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- Many insurers require a certain distance from the holiday destination to their home town; Most of the time, 50 km can be seen as a border. Important: Make sure that the policy really applies where you want to go! This is especially true for annual insurance that is tacitly extended and may not apply worldwide. In the worst case, you pay the premium every year and then travel to a country where insurance cover does not apply.
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- If you want to avoid double insurance and thus unnecessary costs, you should definitely compare the existing insurance protection with the protection offered by travel insurance. Many tariff components become superfluous if you are already well insured and you only have to cover individual modules.
If you want to go on vacation relaxed, you should now compare the travel insurance, Find a provider with whom you can really enjoy your vacation!
