Обычно сложно предусмотреть собственную неосторожность, но вот избежать неприятных последствий, а так же лечения в чужой стране за свой счет можно, заблаговременно оформив качественную страховку от надежной страховой компании перед поездкой (не считая того, что какая-никакая версия туристической страховки при путешествии в Европу должна быть у туриста по умолчанию).
При оформлении медицинской туристической страховки перед путешествием, необходимо учесть территорию(территории), на которую будет распространяться страховое покрытие.
Например: для стран Евросоюза полная сумма страхового покрытия должна быть не менее 30 тысяч евро (или $50 тысяч). При путешетвии в такие страны, как Турция, Египет, Таиланд и ОАЭ турстраховка не обязательна, однако оформление медицинского полиса хотя бы с минимальной страховой премией все же желательно для Важего собственного спокойствия. Так же наличие страхового полиса увеличивает шансы на получение туристической визы в Канаду или Австралию.
Купить стандартный полис страхования выезжающих за рубеж (ВЗР) можно в офисах страховых компаний или практически у любого туристического агентства, а также через интернет на сайтах страховщиков и множественных посредников в режиме онлайн, оплатив покупку банковской картой. Большинство банков-эмитентов карт предлагает туристические страховки от страховых компаний-партнеров держателям своих карт.
Особенно важно, что все посольства европейских стран — в их числе визовые отделы Швейцарии, Австрии, Финляндии и Чехии — имеют списки аккредитованных страховых компаний по туристическому страхованию, которые опубликованы на сайтах консульств соответствующих стран. Эти списки могут носить в основном рекомендательный характер, но в особых случаях оформление медицинского полиса должно происходить только в аккредитованной страховой компании — стоит обратить на это внимание при изучении списка необходимых документов для получения визы.
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