Most insurers provide at least three levels of travel insurance policies, usually labeled bronze, silver and gold. These three products pretty dress budget, standard and premium grades of protection. What usually happens is that insurance providers will advertise a "bronze" price, and then try and encourage you to buy 'gold' politics instead. So, do you really need gold travel insurance?
The answer is probably not. One way of padding out insurance with health insurance coverage. To purchase travel insurance in UK you must be a resident of Great Britain, which means that as long as you wear a EHIC (European Health Insurance Card) is the largest part of their medical expenses should you fall ill in Europe will be covered by the EEA agreement reciprocal. This allows insurers to offer millions of pounds worth of medical cover, knowing well that they will almost never have to pay the full amount. Although medical repatriation may be expensive, running at up to a quarter million pounds, it's nothing for five, ten or fifteen million pounds of medical cover that premium travel insurance offers.
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Another way to add value just Gold policies offer millions of pounds worth of personal liability cover. This logic is very simple, more responsible person you probably have to buy premium policy and it is less likely to cause an accident that injures someone drugi.Broj one cause of personal liability claims are screwed in this situation nevažeće.Isto holiday insurance is valid and if injure. If you need to go to the hospital and his blood test results show high levels of alcohol, then your home insurance and may not cover your medical expenses.
So, if you have travel insurance policy of a gold-filled things you do not need, they are for?
Well, the policy comes with more job losses and reduction of cover than any other class politics. You can get more cargo than any other policy, and more added additional supplements. The most important factor is that if you take expensive vacations, travel cover must cover the cost of your vacation, and this is the domain of gold or premium policies.
What if I do not take really expensive vacation?
then, when the same rule applies to the home costs less than the cancellation or reduction in cover then you can afford to drop any silver or bronze standard / budget policy without significant loss of cover. What are you looking for a policy, you should always make sure that every activity is planned while you are away is covered by the policy you intend to buy. Premium travel insurance policy is not a status symbol, they are a way for the travel insurance industry to match price policy on the level of coverage offered and as such they may prove to be the most cost effective choice.