*Review best according to redakciey. About the selection criteria. This material is subjective in nature, is not an advertisement, and does not serve as a guide to purchase. Before buying, you need to consult with a specialist.
Once upon a time, travel insurance was required only when obtaining a visa. Other tourists simply did not think about its necessity and chose the most economical product or refused it altogether. Many people thought that the words “rest” and” danger ” did not fit together. But in reality many people faced with emergency situations and did not know how to solve them.
Travel insurance is a very useful financial service. It covers many risks during a trip abroad, providing emergency qualified medical and dental care, and transporting the victim to their homeland. You can also enable additional options: baggage insurance, personal property insurance for the duration of your absence, legal assistance, and compensation for expenses incurred in case of theft or loss of documents.
Many tourists, after paying for insurance once and avoiding unforeseen situations, are sure that nothing bad can happen on the next trip, and if they go through a travel Agency, they take the most inexpensive package, if they themselves refuse such a service altogether. Meanwhile, according to statistics, accidents with Russians abroad occur several times more often than at home. This is due to a change in climate and diet, the presence of traumatic entertainment. And if, when traveling in Russia, all expenses are covered by a compulsory health insurance policy, then in other countries you will have to pay for services that are quite expensive there.
The cost of insurance depends on the country and on the selected tariff. The minimal program also includes a minimal set of options. This is medical emergency treatment, transportation of the patient to their homeland, in case of a fatal accident-transportation of the body. Experts recommend expanding the programs to include visiting a relative, searching in extreme situations, and returning home early.
To make it easier for travelers to choose, we have selected 12 companies in the rating that offer the best travel insurance conditions, which are characterized by high risk coverage, instantly compensate for losses, and help you get medical care and other services in a foreign country without using your own funds.
Rating of the best travel insurance companies
|Rating of the best travel insurance companies||1||Ingosstrakh insurance company||5.0|
|6||VSK Insurance house||4.5|
Ingosstrakh insurance company
The first in our list is the largest Russian company that provides licensed services in more than 60 insurance areas. The expert rating recognized its high level of reliability and solvency. Customers also rated the company’s performance with the highest score. Advanced programs will protect tourists during both calm and extreme holidays. Policies are suitable for processing all types of visas and are accepted by any foreign representative offices. The contract is concluded in various ways: when visiting the office, by calling the operator, using the mobile app, and online on the site.
The company covers the cost of medical and transportation services. The tourist can choose various options that can be useful during a foreign holiday. This is civil liability, loss of baggage, cancellation of departure. Especially popular is a financial product that helps protect property during the absence of owners.
According to the reviews of tourists, this is really one of the best companies that fulfills its obligations 100%. The site provides a lot of useful information to help you choose insurance. You can consult about the offered programs by calling: 8800100 77 55.
The second nominee of the rating is a member of an international company that has been operating since 1912. Assistance service provides services in more than 8,000 medical centers in many countries around the world. The variety of programs allows you to attract clients who prefer different types of recreation. For a quiet pastime, the Economy rate is suitable. It includes emergency hospitalization, doctor’s examination, diagnostics, surgical care, hospital stay, transportation of the deceased to their homeland.
The Standard package provides for an expanded list of risks and covers at least 2,000,000 million rubles (about 30 thousand EUR). These are complications in early pregnancy, the return of minors home. In case of an accident, you can not only get qualified assistance, but also monetary compensation. Additionally, it is proposed to expand the rates to include insurance against loss of baggage, travel interruption, and civil liability.
For extreme recreation, a policy is issued with a larger amount of coverage and provides for all types of risk associated with a dangerous pastime. According to the reviews, after applying, help is organized in a very short time. There were no controversial issues when calculating insurance amounts and their payments. The company fully fulfills the obligations specified in the contract. Toll-free number: +7800100 2100.
A well-deserved third place is taken by an international company that has been operating in Russia since 1990. Travel insurance is one of the top priorities. According to customer and expert ratings, the company has acquired the status of a high level of reliability and stability. Alliance has its own medical service. Services are provided in more than 400 thousand clinics around the world.
Rates include covering the costs of emergency care, transportation to the hospital and evacuation home, purchase of medicines prescribed by a doctor, early return, arrival of a relative, sending home minors left without parental care. In addition, the options of civil liability, compensation for loss of baggage, as well as compensation for injuries, disability or death as a result of an accident are activated.
The amount of insurance coverage is chosen by the client and varies from 30,000 to 100,000 EUR. Support is provided 24 hours a day by Russian-speaking coordinators who instantly respond to any requests. The company maintains its leading position by constantly monitoring the quality of its services and improving them. Operators answer all your questions around the clock by phone: 8800100 58 00.
The country’s largest insurer ranks fourth in the rating. It is annually ranked among the top ten companies in terms of the number of awards collected, is constantly evolving and offers more advanced and favorable fares for travelers. The highest level of reliability guarantees maximum protection in any difficult situations abroad. The service is provided by the international assistance Group.
These policies are valid for all types of visas. Their purchase takes place in a few minutes through the Alfa-Click online service. You will not need to visit the office, as the document is sent to the client by email. In addition to medical services, the program includes coverage of damages in case of loss of baggage, civil liability, property protection during the absence of the policyholder, and many other useful options.
Russian-speaking operators are located in 15 countries around the world. If an insured event occurs, employees can be contacted not only by phone, but also online. The main advantages of the company are instant and qualified assistance at any time of the day, affordable prices, and a large variety of tariffs. All questions about travel insurance can be asked by phone: +7800333 0999.
The fifth nominee of the rating is part of the network of the largest insurance company in Europe. The representative office in Moscow was opened in August 2006. The international Agency confirmed its “very high level of reliability” and the forecast as “stable”. A variety of fares cover the risks of short-term and multiple trips.
Health insurance, even at the standard rate, includes a large number of additional options. In addition to basic services, tourists will be provided with assistance in case of exacerbation of chronic diseases, compensate for the costs of search and rescue operations and flights after hospitalization. An important advantage: the company is one of the few companies that provides assistance to pregnant women up to 31 weeks, in case of complications, preterm birth, and caring for a newborn before the possibility of transporting the mother and child to their homeland. If you wish, you can extend the fare in case of risks associated with the loss of Luggage, documents, or extreme sports.
Through the mobile app, you can get advice and help from local doctors. According to reviews, the company has many advantages. The contract is concluded regardless of the age of the policyholder without increasing coefficients. Assistance is provided promptly in the best medical centers. Multichannel line: 8800700 63 52.
VSK Insurance house
A company that has been operating in the insurance market for a quarter of a century and has earned a high reliability rating is on the sixth line. Among the 30 licensed services, travelers ‘ insurance occupies a special place. All programs are designed to take into account various possible risks and protect domestic tourists in the most unforeseen situations. Assistance services are provided by the international service company MedAssist.
The cost of policies is quite affordable. It consists of three factors: the selected rate, the policyholder’s age, and the availability of additional options. The Basic package includes providing urgent medical care, transporting the injured or deceased to their homeland, interrupting the trip, sending unsupervised children home, and covering telephone costs. The insurance amount is 30000 EUR.
The recommended fare also includes basic services such as legal aid, dentistry, and reimbursement of expenses in case of flight delays. The coverage amount is 50 thousand EUR. The “Maximum” package is defined as a limit of up to 100,000 Yandex units. here, you can additionally restore lost documents, visit a close relative, and pay for the evacuation of a car if it is available. For more information about the rates, please visit the website or call the phone number: +7800100 00 50.
The seventh place in the rating belongs to a company that specializes in travel insurance. It started working in March 2012, and was the first to offer a program for independent tourists who do not resort to the services of agencies. They immediately appreciated this service, and today it is used by thousands of people who go on vacation to any country in the world. All programs are unique and provide world-class service. Expensive policies are reinsured in an international German company.
In case of illnesses or injuries, tourists receive treatment in the best clinics of the host country. Exclusive limits include not only emergency cases, but also the provision of services for chronic diseases, and extended coverage of expenses in dentistry. The “online doctor” option is created for consultation and immediate help via the mobile app.
Registration of the policy takes only a few minutes. You can do this on the website or via your smartphone. According to statistics, more than 50% of customers applied for services twice or more. Both one-time trips and annual insurance are popular. Tourists confirm the reliability and competence of the company. Consultation phone number: 8800 555 08 14.
A dynamically developing company that provides the highest level of services is on the eighth line of the rating. All operations are performed online. Insurance is issued via an online resource and transmitted to the client via e-mail. You can find out the preliminary cost of the service by filling out the travel parameters in the online calculator on the site. The programs offered are diverse. They are suitable for lovers of quiet, active and extreme recreation. There are both standard and extended rates.
Communication with employees is carried out via instant messengers. Assistance is provided around the clock, 7 days a week. The company works with advanced treatment centers. The policyholder receives all necessary medical care, including dental care. Tinkoff offers an extension of the package to include the necessary additional services. Refunds are subject to risks associated with loss of baggage, theft of documents, or cancellation of travel.
Many advantages were highlighted. Among them, prompt response to requests, low prices for services. Many people pointed out that dental care is provided in full without setting a limit. Toll-free phone number throughout the Russian Federation: 8800755 80 00.
In the ninth place of the rating is a company that offers insurance when traveling to any country in the world at very favorable prices. Policies are issued for tourists of all ages and are accepted by all visa services and foreign embassies. A variety of fares will suit different categories of travelers. The company offers short-term insurance when traveling to the Schengen countries, around the world or in Russia. There is also an annual policy without restrictions or a “Multiple trips”tariff.
The standard package includes emergency care in the best medical and dental clinics, transportation of the patient to their home country, as well as transportation of the body. Additional options include insurance against flight accidents, lost Luggage, travel cancellations, flight delays, calling the next of kin, and returning minors home.
The contract is executed online. The policy contains all the necessary information and contacts for communication with operators who immediately respond to the request. Tourists noted that the “Economy” tariff includes many necessary services that cover risks even during outdoor activities. Reference phone number: 8800707 57 87.
The tenth place goes to a stable financial company that always fulfills its contractual obligations to its clients, which is confirmed by its impeccable reputation and high reliability rating. There are quite a lot of insurance programs for people traveling abroad. There are also long-term ode policies here. Insurance will protect both those who go on a quiet family vacation, and those who are engaged in extreme sports.
Medical services include emergency hospitalization, calling a doctor, diagnosis, treatment, transportation of the sick person to their homeland and repatriation of the deceased. You can also include more advanced risks. Many tourists choose the following additional options: civil liability insurance, flight delay losses, damage or total loss of baggage. The cost of the policy can be calculated in an online calculator and then continue processing on the site. The contract is also concluded via the mobile app or by visiting the company’s office.
All Rosgosstrakh programs are suitable for visa processing. According to reviews, the services correspond to the international level, support is provided around the clock, the standard program provides full health protection and covers many risks. Reference phone number: 8800200 0900.
The company, which is trusted by many Russian policyholders, occupies the eleventh position in our rating. It was founded in 1997 and today can compete with the oldest organizations of this type. Over the past few years, the analytical Agency has assigned an exceptionally high level of reliability to the company. Programs provide for various degrees of risk that are possible when traveling on a trip. By choosing the best rate, you can be sure of maximum protection in an unfamiliar country and the provision of a full range of medical and transport services.
The standard policy includes calling a doctor, outpatient treatment, emergency hospitalization, dentistry, transportation of an accident victim to their homeland, return of minor children home, covering telephone costs, assistance in case of loss of documents. It is accepted by all visa application centers and foreign representative offices.
If you choose an additional risk, the company will support the traveler in case of temporary return, cover losses from damage or loss of Luggage, and provide legal services. Russian-speaking operators accept requests at any time of the day or night. According to reviews, assistance is provided immediately, regardless of the severity of the accident. Phone: 8800775 98 09.
The TOP 12 includes a company with 25 years of experience in the insurance market. A high reliability rating is confirmed by the number of customers, which increases every year, and they move from the category of new ones to permanent ones. A wide range of programs allows each tourist to choose the best one for themselves and their family members. There are economy, standard and extended packages, which are selected depending on the type of vacation and the degree of possible risks.
In case of emergency situations, the maximum insurance will cover the treatment of injuries and illnesses in the hospital and out-patient, emergency dental care, return of minors home, travel and accommodation of a relative, hotel accommodation after hospitalization, transportation of the sick or deceased to their homeland, search and rescue operations, legal services, civil liability, telephone conversations, delayed departure and loss of Luggage.
The company has developed a convenient mobile application that allows you to perform any operations: activate or renew the policy, apply in case of an insured event, and track the status of the application. Most of our clients are satisfied with our cooperation and recommend our company to other travelers. 24-hour toll-free number: 8800755 00 01.
Attention! This rating is subjective in nature, is not an advertisement, and does not serve as a purchase guide. Before buying, you need to consult with a specialist.