The
standard insurance package, which you are in need of, reimburse only
medical and travel expenses but not expenses for meal and hotel if
your flight is delayed, no matter where you are going to: to Belize or Europe. But the tourist can protect his rights if he/she takes into
consideration the following facts:
The first one refers to” No departure “. It is useful to protect
yourself in case of inability to precede the planned trip. The agency due
to insurance will return the money spent on the purchase of the tour in
this case. By the way, refusal to travel in less than two weeks before
departure means almost complete loss your money to Belize cheap tickets
without such insurance. However, remember that you must have a really good
reason for the “no departure”. This may be a disease or some
problems with your child, problems with entry visa, etc. That is, if you
decide not to fly to Belize, in this case, the money will not be returned.
Insurance have a big cost - typically 4-10% of the tour price.
The second one is connected with “Lost baggage”. You can insure
your personal baggage during the tour, including the road. The price of
such insurance is set by the insurer individually; depending on the value
of things. You have to document the fact of theft or damage at the same
time. Therefore, keep all the police reports and make sure you to get a
document certifying the fact of loss in a hotel or cafe (for example, your
bag was stolen while you were enjoying your meal). If you are traveling
by plane, your baggage is insured by airline agency.
The third one refers to “Flight delays”. The insurance company
will compensate your expenses for meal, telephone calls, hotel services
while waiting for flight to Belize, a taxi from airport to hotel and back.
True, the compensation is always limited; it depends on the cost of your
insurance.
The forth fact is “Disclaimers”. It means the civil liability
tourists to third parties. The insurer undertakes to compensate for the
harm caused to life, health or property of third parties by the insured
person. Concluding a contract with an insurance company, pay attention
to the point about the franchise. Franchise is the exemption of the insurer
from the obligation to pay damages, not exceeding a certain value. Some
insurance companies wishing to protect themselves from minor medical care
establish a franchise - up to $ 100. It means that you have to pay this
amount yourself, but the insurer will take over it.
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