Do I have to buy insurance when traveling abroad? Please advise

Generally speaking, it is necessary to buy insurance when traveling abroad, after all, traveling abroad is not very familiar with the environment, transportation, language and other aspects of foreign countries, and some accidents may occur in the process of travel.

Of course, not only when traveling abroad, accidents may occur, but also when you are in China, so you also need to configure an accident insurance, after all, we can't control accidents, about the selection of accident insurance, you can refer to this list: In 2023, the most worthwhile accident insurance is here.

And you should note that some countries, such as Schengen, cannot apply for a visa if you don't buy insurance, and some countries also have certain requirements for medical insurance, so you need to understand the relevant regulations and requirements of the country you want to travel to before traveling abroad.

If you buy insurance for traveling abroad, you can choose an overseas travel insurance that covers both accident and emergency rescue medical protection, so that when an accident occurs abroad and emergency rescue is needed, you can also get the corresponding protection.

If you want to understand the basic insurance knowledge, you can take a look at this article: super complete! Everything you need to know about insurance is here.

In addition, it is best to include some additional benefits for traffic accidents, such as death or dismemberment due to accidental injuries to aircraft, death or disability due to accidental injuries to trains, death or dismemberment due to accidental injuries to ships, and death or dismemberment due to accidental injuries to automobiles, which can give us more comprehensive protection.

In fact, whether you travel abroad or not, it is necessary to buy insurance, if you want to know what are the benefits of insurance, then you can take a look at this article: What are the benefits of buying insurance? A lot of people think too much.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Personal wishes, it is recommended to buy in case of accidents.

Insurance is essential <> traveling abroad, but how do you choose the right travel insurance for your trip? Here's how to choose the right international travel insurance.

1.Learn about the types of overseas travel insurance.

There are three main types of overseas travel insurance: travel accident insurance, travel health insurance, and travel comprehensive insurance. Travel accident insurance mainly covers travelers against accidental injuries during travel, such as accidental death, accidental disability and accompanying illness, etc.; Travel health insurance mainly covers travelers against illnesses during travel, such as colds, fevers, etc.; Travel comprehensive insurance combines travel accident insurance and travel health insurance to provide more comprehensive coverage.

2.Find out what your overseas travel insurance covers.

When choosing overseas travel insurance, it is necessary to understand the scope of liability of the insurance, such as whether the insurance covers extreme sports such as diving and skiing, whether it covers violent acts such as robbery and robbery, and whether it covers sudden illness.

3.Find out how much your overseas travel insurance covers.

When choosing overseas travel insurance, you also need to understand the sum insured of the insurance, such as the sum insured for accidental death, accidental disability, medical coverage for illness, etc., and whether the insurance company offers a higher sum insured option.

4.Find out how much travel insurance costs abroad.

When choosing overseas travel insurance, you also need to understand the cost of the insurance, such as the total cost of the insurance, the daily cost, the cost per trip, etc., and whether the insurance company offers discounts.

5.Learn about the claims process for international travel insurance.

When choosing overseas travel insurance, you also need to understand the claim process of the insurance, such as the application conditions for claims, the application process for claims, the review time for claims, etc., and whether the insurance company provides the best claim service.

6.Learn about overseas travel insurance services.

When choosing overseas travel insurance, you also need to understand the services of the insurance, such as whether it provides 24-hour emergency rescue services, whether it provides translation services, whether it provides legal consulting services, etc., and whether the insurance company provides free consulting services.

The above is an introduction on how to choose the right overseas travel insurance, I hope it can help you. When choosing overseas travel insurance, it is important to carefully understand the type of insurance, the scope of liability, the amount insured, the cost, the claim process and the service, so as to choose the most suitable overseas travel insurance.

1. You need to buy insurance when traveling abroad.

2. Especially if you go to a Schengen country, if you don't buy insurance, you can't get a visa, and some countries still have certain requirements for medical insurance.

3. And because if you travel abroad, the risk of accidents is unknown, so it is very necessary to buy an insurance for personal safety. In this case, if you encounter an accident while traveling abroad, you can directly contact the insurance company to apply for rescue.

4. When buying insurance, it is best to choose an overseas travel insurance that includes dual protection for accidents and emergency rescue medical treatment. In this way, you can better deal with sudden risks abroad, whether it is the loss of important property, delayed luggage, or an accident, emergency rescue and medical treatment, you can get protection through the insurance purchased.

Of course, you also need to note that the insurance purchased must cover the entire travel itinerary, so as to ensure that the entire travel process is guaranteed at all times. And it's better to have a few more days.

It is not necessary to purchase travel insurance for traveling abroad, and outbound travel accident insurance is not a mandatory type of insuranceHowever, it is advisable to purchase travel insurance and take responsibility for your own safety.

With the exception of a few countries such as Schengen countries that require visa applicants to purchase travel insurance for a certain amount of coverage, few countries require foreign tourists to purchase travel insurance. In fact, overseas travel insurance is "spending a small amount of money and managing a lot", and it should really buy a guarantee for the safety of travel. All major insurance companies in China can purchase relevant overseas travel insurance, and most travel agencies and visa centers also have windows for selling insurance.

It is best to purchase insurance when traveling abroad, such as overseas travel accident insurance, flight delay insurance, bank card theft insurance, etc.

If you want to know what accident insurance is worth buying, you can pay attention to this article:In 2023, the most worthwhile accident insurance is here

Moreover, generally when applying for a visa to go abroad, some countries clearly require that you must purchase insurance, and some also stipulate that you cannot apply for a visa without insurance.

Buying insurance for traveling abroad is also a protection for yourself, so what should you pay attention to when buying insurance for traveling abroad?

1.Configure outbound travel insurance according to the needs of international travel

When configuring insurance for a trip abroad, you can first figure out where you are going to travel and what you will do during your trip. What can happen? Configure specific insurance based on these situations.

For example, if you are worried about getting sick during the trip, then you can configure a medical insurance, and you need to choose the kind of loose search medical insurance products that can reimburse the expenses incurred in foreign medical institutions, such as high-end medical insurance.

Before buying insurance for your trip abroad, you may want to know a few things about insurance:Ultra-complete! Everything you need to know about insurance is here.

2.Outbound travel insurance is not just for outbound travel

As long as you go abroad, you will be considered to be out of the country, and the outbound travel insurance on the market does not necessarily include all foreign places within the scope of protection. Generally, overseas countries are divided, such as Asia, Europe, etc.

Therefore, when applying for outbound travel insurance, you need to look at the specific coverage area of the corresponding insurance to see if the place you want to go is within the scope of protection.

If it is not covered by the insurance, then the outbound travel insurance you buy is almost like a decoration, and you may not be compensated if you make a claim in the future. Hope.