Top 10 travel insurance

Insurance for traveling abroad is necessary for obtaining most visas, as well as for the peace of the traveler. Depending on the services chosen, it may cover the doctor’s calls, hospital treatment, recovery from injury, and much more. It is not recommended to take the first available insurance. Only by including everything that is useful during the trip, the tourist will be guaranteed full treatment and support.

This rating represents the best insurance companies and their services. The basic conditions are taken as a basis, additional possibilities are discussed. The list of the best includes organizations with high ratings and stable forecasts, reviews and tourist stories. They are all suitable for obtaining visas and traveling to most countries of the world.

Top 10 best travel insurance

Basic insurance only includes treatment and transportation for a certain amount. It is supplemented with the necessary services: support during pregnancy and chronic diseases, riding bikes, playing active sports and much more. Most companies offer to insure luggage and flight in case of flight delays. All options are added to the main contract. In compiling the table, we made the same parameters for each company: one-time insurance for 30 days in the Schengen countries for an adult from 18 to 64 years old with a coverage of 30 thousand euros without paid additional services.

Company name	Insurance name	Cost per month	Number of free additional services
Alpha Insurance	Economy (B)	2 213 rub.	3
Allianz	Happy trip	2 532 rub.	11
ERV	Standard Plus	3 529 rub.	12
Tripinsurance	Base	3 757 rub.	2
Ingosstrakh	Travel Insurance +	1 727 rub.	2
Liberty	Economy Single	1 319 rub.	5
Consent	Base	1 697 rub.	6
Zetta	Quiet rest	2 100 rub.	-
Tinkoff	Base	1 853 rub.	-
Renaissance	Standard	1 736 rub.	-

10 Renaissance

Opens the ranking of the best Renaissance, which caught our attention with convenient and fast communication with customers. Only they have the SafeTrip application that allows you to call the operator with one touch. The program knows all the information about the policy and monitors its action. Renaissance insurance is best suited for young people who value a relaxing holiday. Active entertainment is not included in the basic program, they are purchased separately. For many southern countries, an unconditional deductible of $ 50 has been established; this amount will not be refunded. The company works with young children, but does not issue insurance to citizens of 65 years.

Clients warn that the Renaissance does not cover the costs of treatment that began before the trip. In the travel insurance is described in detail what is considered an active vacation, so most of the injuries are not paid without purchasing additional options. The company has two assistances: Global Voyager Assistance and AP Companies. The first one has a bad reputation, but you cannot choose an organization when you make an online policy.Representatives of the company say that the assistance depends on the place of receipt of the voucher, agents and travel agencies always put Global Voyager Assistance.

9 Tinkoff

Tinkoff caught our attention by the lack of paperwork and operational work. For example, if the tourist has already paid for the hospital services, it is enough to send a photo of the bill and receive compensation. The company offers one of the cheapest policies in Europe, and almost the most expensive in Thailand and Vietnam. The cost of the document in Spain, Bulgaria and Cyprus coincides with the price of competitors. One of the main advantages of the insurer is the coverage of emergency dentistry in full, many reimburse only 200-300 dollars. Standard insurance includes a doctor’s call, home and hospital treatment, transportation.

According to customer reviews, it is clear that many people like the company's fulfillment of obligations even after the expiration of the policy. If the accident occurred on the insured days, Tinkoff will continue to support the client. However, the assistance of Europ Assistance raises questions about a lot of bad reviews. The firm does not cover many of the costs that competitors include in basic insurance. For example, it does not compensate for the costs of allergies, food reactions, bites, burns, complications during pregnancy. Insurance for children up to 12 years is 1.5 times more expensive than adults, and pensioners will have to spend 2.5 times more on the insurance policy.

8 Zetta

Zetta, formerly known as Zurich, has been insuring customers since 1993. In the travel of tourists serves the assistance of AP Companies, one of the best in the world. She is one of the few that includes riding a bike in insurance (mandatory for Thailand and Vietnam). A unique feature of the company is cooperation with the largest clinics and hospitals in large cities. For example, in Phuket, the victim will be sent to Bangkok Hospital Phuket - the most prestigious institution with Russian-speaking translators. Insurance covers transportation, and for an additional fee, other problems, including luggage and flight delays.

Visitors in the reviews note the advantageous hotel payment service in case of a delay in the plane. The company reimburses the amount that can not be received from the transporter. This is where the insurer's advantages end, there are a few caveats. The transportation contract states that Zetta pays for one-way travel. The client travels to the hospital free of charge, back at his own expense. Branches of the company are located in many countries, but they only sell policies, without giving advice. The reviews said that for insurance you need to go to Moscow or send the original documents by mail.

7 Consent

Consent offers standard insurance at affordable prices, thanks to which the company has become one of the best. She works with three assistants: AP Companies, Balt Assistance and Savitar Group, but the choice is available only on the official website. When buying through an aggregator (for example, Turtle) AP Companies are automatically placed. Among the additional services can be noted insurance against non-delivery, the company fully reimburses the costs of the permit (issued only in the office). Here, favorable conditions for pregnant women up to 28 weeks, coverage is 5 thousand dollars. The price includes treatment of complications.

Clients in the reviews say that the staff maintain contact by all means: telephone, instant messenger, skype and mail. Representatives are in most popular countries, including Thailand and Vietnam. It is recommended to contact tourists with chronic diseases, the standard coverage is $ 5,000 (in other companies - $ 1,000). 7 place is well deserved, because the policy can not be issued abroad. The company is obliged to get insurance at home. Consent denies reimbursement of treatment, which is considered optional for the patient.No sunburn protection.

6 Liberty

Liberty is part of a large group of Liberty Mutual, working since 1912. Expert RA rating agency rated the company at ruAA + (the highest figure) and gave a positive outlook. The customer service abroad is handled by Class Assistance, which owns 8,000 institutions in many countries. The standard policy covers medical insurance (including treatment in hospital and at home), emergency dentistry, transportation and repatriation (return of the body to the motherland). The contract includes the payment of the necessary telephone connection and the flight of children, if the parents need to stay for recovery.

One of the advantageous differences between Liberty is the addition of services to the base policy, for which you usually have to pay. They depend on the country, best insure in Spain, Italy and other European countries. The reviews often mention the possibility of returning the insured at the expense of the company due to illness. Free to the traveler will send a relative for help. There are many advantages, but there are also weighty drawbacks: the insurance pays for only 1 visit to the doctor and 2 dressings. In the contract there are many sub-clauses restricting payments. For example, excursion cancellation insurance works only if they were purchased with insurance.

5 Ingosstrakh

In the middle of the ranking is Ingosstrakh, which covers the deterioration of health during the trip, including emergency intervention, medical assistance for injuries and accidents. The company cooperates with 3 assistants: Remed Assistance, Asiser Assistance, Smile Assistance. Ingosstrakh has several profitable additional services: protection of baggage for 5-10 euros and insurance against not leaving for 10% of the cost of the permit or tickets. Covers not only the cost of flights, but also hotel accommodation. Of course, the contract stipulates that for compensation on any item requires a good reason. For example, failure to issue a visa or a serious illness.

If during the trip the adult will have to stay in the hospital and continue treatment, the company will pay for the return of the children to their home and their relatives for visiting the victim. A convenient opportunity is to renew the policy for another term without penalties. When traveling to Thailand, you must remember about the obligatory franchise of $ 50, the company does not refund this amount. Above, we did not put Ingosstrakh because of several drawbacks. The policy cannot be bought on the day of the trip; it must remain 5 days before traveling abroad. The stay can not be less than 7 days. The cost of the policy is higher than that of competitors.

4 Tripinsurance

Tripinsurance ranked in the list of the best thanks to the addition of unique options to the basic insurance. For example, riding a bike is useful to all visitors of Vietnam and other Asian countries. The company has a very profitable contract: even if the insured event occurred on the last day of the policy, the company will pay for the treatment in the next 28 days. Judging by the reviews, the search for the clinic takes up to an hour, and assistance is provided by a guarantee letter. This means that the tourist will not have to first pay for services and then demand insurance compensation from him. When traveling to Europe and popular Asian countries, you can call a doctor to the house for a child.

Tripinsurance attracts tourists by adding to the basic insurance protection against injuries during outdoor activities, including riding on animals, cycling, playing volleyball, etc. It is one of the few companies where it is allowed to draw up policies on a journey; it begins to operate after 5 days. Some suspicions can cause a site that does not buy insurance online. To solve the problem, just write in support. It is better for pregnant and people with chronic diseases to choose ERV, because Tripinsurance does not have insurance for these cases.

3 ERV

ERV, which is part of the European Travel Insurance group, took a worthy third place. The latter is the largest European network of insurers. Travelers are monitored by Euro-Center Holding assistance with representative offices in most countries of the world. ERV medical insurance is distinguished by a decent amount of additional services in a standard package. The policy includes emergency care for chronic diseases and allergies, rescue work, treatment of burns, support in case of a natural disaster. The company pays the return of the tourist to his homeland, if he was in the hospital and missed the plane.

ERV is great for people with chronic illnesses because of the bargain price. There is a good offer for wintering, the policy includes all diseases. There is no multiplying factor for children and age limits for adults. There is a unique Telemedecin service for getting online help from Russian doctors. However, it should be said about insurance to Thailand, Vietnam and other Asian countries. The amount of coverage is 100 thousand dollars, it does not change, so the policy is expensive. ERV refers these countries to high risks and adds all kinds of services to insurance. In addition, not all Asian countries, the company has a highly specialized doctor.

2 Allianz

The second place among the best was taken by Allianz, which was formed in 2012 through the merger of several large insurers. In 2018, it is owned by the German giant Allianz SE. The positive reputation of the company is due to the competent assistance of Mondial Assistance with their quick response, polite attitude and knowledge of the matter. The company's obligations are limited to the amount specified in the tourist policy, which ranges from 30 to 100 thousand dollars or euros (at the option of the client). When traveling to Turkey, a mandatory deductible in the amount of $ 25 is applied, this part is not returned to the victim when you go to the doctor. Additionally, you can include in your insurance baggage protection and a citizen’s liability to others.

The basic policy covers emergency medical care, transportation costs, acute pain (including dental pain) and exacerbations. Allergies are paid when there is a threat to health (confirmed by a doctor's certificate). In 2017, Allianz received a high rating from ruAA from Expert RA rating agency. By reliability, it is included in the 12 best Russian companies. The only thing to remember is the restriction of visits to the clinic. The insurer only pays the first two visits. We also can not recommend this company for children and customers from 64 years of age because of the expensive policy. ERV or Tripinsurance are more profitable for them.

1 Alpha Insurance

The leader among the best was Alpha Insurance with a standard package, additional services and ready-made programs. According to the RA Expert Rating Agency, the company has earned the highest A ++ reliability indicator. Service for insured persons in other countries is provided by the International Assistance Group. A separate telephone line with an employee on duty is available to customers. There are Russian-speaking operators in Thailand, Finland, Italy, Spain, Egypt and 10 other countries.

With a basic travel policy, the company covers sudden illnesses, physical injuries and accidents. Also paid for the return of minor children after the death of a relative. The program is suitable for citizens of Russia who travel to Europe and Asia, except Thailand, Japan and Vietnam. Alpha Insurance has average prices and good service.I would just like to note the terms of compensation for damage: judging by the reviews, they delay payments and ask for a lot of supporting papers.

Popular vote - which company has the best travel insurance?
We vote!

Alpha Insurance

Allianz

ERV

Tripinsurance

Ingosstrakh

Liberty

Consent

Zetta

Tinkoff

Renaissance

Total votes: 12

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