Unexpected things hardly ever take place in the imagination of those who are preparing to embark on a pleasant journey. You think of beaches, if that, or the coolness of a place in the mountains; drooling, guessing the taste of certain flavors or beer at the beach bar; Fantasies are formed about the smells of the place to be visited and even expectations are formed before the imminent sight of a monument or a work of art. There is also a certain fear of flying, the skill of the driver, whether traveling in a car or a trailer, or losing luggage. However No sane person leaves their home with the belief that they will get sick or have an accident that will affect their health. and yet this possibility occurs in seven out of ten mishaps covered by travel insurance. This is stated in a report by Spanish insurance employers derived from information gathered from nine organizations in the industry where 170,734 incidents that occurred in the last year were analyzed.
Travel insurance is not the only event covered, as well as protecting the client’s health wherever they may be (medical and hospital assistance, disability compensation…), Protect your assets (search and location of lost luggage, damage or theft, etc.) and your pocket (expenses arising from the cancellation of the trip due to unforeseen reasons such as illness, accident, dismissal, new employment; abroad; claims for damages to other persons…).
The Unespa report shows that after illness, they are on the list of major setbacks paid for by insurance, with 61% of the total. cancellation of the trip (9.3%) and accidents (8.8%). Therefore, seven out of ten incidents are related to the health of passengers. Other incidents relate to luggage lost or misplaced, early return, extension of stay or legal assistance.
A third of the mishaps Spanish insurance companies have dealt with occurred in Spain last year, and the rest, frankly abroad, is in the top five, with the US leading 7.28% of the total. Mexican (4.14%), Andorra (4.06%) -a small country visited primarily for activities related to winter sports and mountaineering-, Italy (3.96%) and France (3.47%). Below are two clear resorts, the Caribbean Dominican Republica (2.39%) and Asian Thailand (2.31%).
Cost
The report also analyzes the cost of health accidents covered by insurance. In this case, the first two positions correspond to two Asian countries. Firstly Cambodia, with an average of 1,187 euros for sine and the second is nepalThe land of the Himalayas and mountaineering, with 975. The three American destinations are: Venezuela (955), the United States (925), and the Dominican Republic (783).
On this scale, Unespa also stops by to indicate for which claims an insurer has to pay a higher cost in the different countries its customers travel to. The USA, Mexico (134,442), Cambodia (115,938) and Thailand (113,56) follow with 175 thousand euros.
Another issue that the report focuses on is the cost of return mishaps. In this case, Guinea takes the first place in the ranking with 15 thousand 212 euros. Second place is French Guiana (12,776) and third place is Mali (10,461). Martinique (9,496) and Puerto Rico (8,806) are next. These are countries that are a long way from Spain, but Unespa reminds us that even one of the geographically closer countries was suddenly brought in in the document in question. Includes a payment of between 1,800 and 2,300 eurosAs in Switzerland, Czech Republic, Netherlands, Belgium, Germany or France.