1. Ikhampani ye-Intshumo ye-Travel Best for Travel-afe
I-inshurensi ye-TravelSafe inamazinga okukhuphisana ne- Basic , Classic okanye i- Classic Plus icebo lokufanisa uhlahlo lwabiwo-mali kunye neemfuno zokufikelela.
Ubungakanani bufumaneka kubemi baseMelika naseKhanada. Inkampani ine "A-" Isilinganiselo esihle kakhulu nge-AM Best. Ukufihla okukhethiweyo kufumaneka ekufeni kwendiza yokufa kwengozi kunye nokuqhawulwa, umonakalo wemoto yokuqashisa kunye nepropati eyongezelelekileyo yepropati yezinto ezixabisekileyo ezifana nee-laptops, iifowuni okanye izinto zokusebenza zokuqeshisa ezemidlalo. Uhambo lwe-TravelSafe aluhambelanga kuphela kwixabiso kodwa lukwavunywa kakhulu kwezinye iindawo kuquka ukuhamba ngamazwe ngamazwe kunye nezokwelapha. Okongeziweyo ukuhamba nge-inshurensi yokuhamba, i-Travel Safe ibuye ihlinzeke ngezohambo zonyango ukuhamba kwexesha elide kunye ne-inshurensi yokuhamba yeqela.
2. I-inshurensi yokuhamba phambili yeCandelo leZonyango- i-TripAssure
Uhambo lwe-TripAssure (owayekade u-MH Ross) luphawu lwe-Trip Mate (i-Trip Mate) kunye neendlela ezintathu zokuhamba nge-inshurensi: I- Asset , iBridge , kunye neGqibeleleyo ejongene neemfuno ezahlukeneyo ze-inshurensi yokuhamba. Ngaphambi kokuba ube nguhambo oluhambahambayo, uMH Ross wayebonelela ngeenkqubo zomshuwalense yokuhamba ukususela ngo-1952 waza wamkela i-AM Best "A +".
Uhlelo olupheleleyo lwe-inshurensi yokuhamba nge-TripAssure inikeza ama-$ 250,000 kwingozi kunye nokugula, i-$ 500,000 yamayeza angxamisekileyo, i-$ 500,000 yokukhutshwa kwonyango oluphuthumayo, i-25,000 zamawaka kwi-non-medical emergency evacuation kunye ne-25,000 yee-inshorensi ekufeni nasekuhlaselweni kwinshorensi.
3. I-inshurensi yokuhamba phambili yeeNkxaso zokuBangena-iNkcazo yeZizwe eziPhezulu
I-International Insured Insure yenza kakuhle kwiindawo zokuphathwa kwamabango kwaye inokuba nevidiyo yokufundisa eyahlukeneyo kwiwebhusayithi yayo ukuncedisa kwinkqubo yamabango kwaye ibe neengqinisiso zabathengi ezibonisa ukwaneliswa ngamabango kunye nenkonzo yabathengi.
Izicwangciso zee-inshurensi zokuhamba ezintathu zinikezwa nge-International Travel Insured; Uhambo lomhlaba wonke uMkhuseli we-Worldwide Trip, uMkhuseli woMkhosi kunye noMdudu woMkhuseli uLite . Kukho isicwangciso esikhethekileyo, uMkhuseli weTikiti . I-Assurance International International ine-"A-" Ukulinganiswa kweemali ezigqwesileyo ezivela kwi-AM Best. Iinkalo ezikhethiweyo kunye neenkonzo ziquka ukuhanjiswa kweendlela zokukhansela, iinkonzo zenkxaso yokuhamba kunye nokukhutshwa kwemoto yerenti.
4. I-inshorensi yokuhamba ngeyona ndlela ihamba phambili kwi-International Travelers- Travelex
I-Travelex iyaziwa njengekampani ye-inshurensi yamazwe ngamazwe kunye neofisi eLondon, eToronto, eWashington, eNew York nase-Omaha. Le nkampani ineenkonzo zerhwebo lwangaphandle kwamanye amazwe, kwiivenkile, kwiindawo zeenqwelo-moya nakwezinye iindawo kulo lonke elaseNyakatho Melika, e-Asia, eMiddle East, e-UK nase-Afrika. Iinkonzo zokuncedisa uhambo lweTravelex ziye zasebenziswa ngokubanzi ngamaziko okuhamba ngeenqanawa kunye neendlela zokuhamba kwiindawo zasemakhaya nakumazwe ngamazwe. I-Travelex kunye ne "A" Imilinganiselo yokuqina kwemali kwaye inika iiphakheji ezininzi zokuhamba ngee-inshurensi ezibandakanya: Uhambo oluSiseko , uhambo oluhambayo , uMhambi woShishino , uhambo lokuhamba ngeMivili kunye nokuFizela ukuVikeleka ngakumbi .
5. I-inshurensi yokuhamba phambili yeeNtsapho zokuhamba kunye nabantwana- i-Allianz
I-Allianz Global Assistance inegama elihle kwi-inshurensi yenkampani ye-inshurensi yokuhamba kwaye ine-"A +" kwi-Business Business Bureau.
I-Allianz inomncinci wokunikezela kuwo wonke umntu aneeplani ezininzi zeepakethi, izicwangciso zezohambo zonyango kunye nezicwangciso ezizodwa. IsiCwangciso seClassic sinika i-free coverage yabantwana abayi-17 nangaphantsi xa behamba nomzali okanye nootatomkhulu. Phantse nabani na onokuyifumana icebo elizifanisayo nezicwangciso ezininzi zokuhamba, kunye necebo lokukhusela umonakalo wemoto.
Ngaba ufuna i-inshurensi yohambo?
Akuyena wonke umntu ohambayo ufuna i-inshurensi yokuhamba. Ngokomzekelo, usenokuba sele ufumane i-couverture ekhoyo ekhoyo malunga nelahleko ezihambelana nomgaqo-nkqubo we-inshurensi okanye umninimzi we-inshurensi. Unokuba nohambo olusuka kwikharityhulam yekredithi, isivumelwano sokuqasha imoto okanye njengenxalenye yekhefu lokuhamba ngeeholide.
Ukuba uhamba ngekhaya okanye kwilizwe lonke kumgama weekhilomitha ezili-100 okanye ngaphezulu kwaye unomdla ongenakukhuseleka ukukhusela, i-inshurensi yokuhamba ingaba luncedo kuwe.
Nangona kunjalo, ngokuqinisekileyo uqiniseke ukuba yeyiphi i-postage ekhoyo ekhoyo kakade ngaphambi kokuthenga i-inshurensi yokuhamba eyongezelelweyo.
Yiyiphi iBhajethi yakho?
Unokulindela ukuhlawula nayiphi na indawo ukusuka kwi-5-10 iphesenti yeendleko zakho zokuhamba iindleko ze-inshurensi yokuhamba. Kukho izinto ezimbalwa onokuzenza ukuze ugcine imali kwi-inshurensi yokuhamba njengendlela yokukhetha i-deductible ephakamileyo okanye ukhethile umgaqo-nkqubo we-inshurensi yokuhamba "ngaphandle" ngaphandle kwayo yonke i-add-ons policy, umonakalo wokunakekelwa kwenkcitho, ukuxhaswa kweemeko zonyango ezangekho ngaphambili, inzuzo yeqabane lokuhamba, ukuhanjiswa kwemithwalo yempahla okanye ukuhanjiswa kohambo lokukhansela ngesizathu nasiphi na isizathu nje ukubiza ezimbalwa.
Yamazwe ngamazwe ngokuHamba kweNdlu
Indawo oya kuyo iya kugqiba ukuba ngaba ukhetha i-inshurensi yamazwe ngamazwe okanye kwi-inshurensi yokuhamba. Ayikho yonke imigaqo-nkqubo yomshuwalense yokuhamba ihamba emhlabeni wonke kwaye ihamba kumazwe athile athi "ngamagama" angabandakanywa kwi-coverage. Enye into ekufuneka uyiqwalasele ngokuhamba ngekhaya nakwamanye amazwe yindleko zonyango. Ukuba kufuneka unonophelo lokhathalelo ekuhambeni kwakho, unokufuna ukuba unonophelo olunikezwa ngumboneleli wezempilo "ngaphandle". Ukuba i-inshorensi yakho yezempilo ayifaki yonke iindleko ze-out-of-pocket, icebo lakho le-inshurensi yokuhamba lingenza umehluko.
Izixhobo zokuthelekisa
Iindawo zokuthelekisa ezifana ne-TravelInsurance.com zikuvumela ukuba uqhathanise iindlela zokuhamba ngee-inshorensi zokuhamba ezivela kwizinto eziphambili ezifana neendleko zokuhamba, indawo yokuhlala, indawo yokuhlala, ubuhlali besizwe, imihla yokubuyisela / yokubuyisela kunye nokunye. Unokubona ixabiso kunye neenketho ngeenxa zonke kwaye wenze ukhetho olungcono ngokusekelwe kwiimfuno zakho zokuhamba. Unokuqhathanisa kwaye-ke xa ukhetha ukwenza njalo-ungathengela ipolisi kwi-intanethi. Iindawo zokuhamba ngokuthelekisa zixhobo eziwusizo xa ungenaso ixesha elide lokuchitha ukuthelekisa zonke iinkqubo ze-inshorensi zokuhamba kwikarhwebo.