When is a travel insurance included in the home insurance? you must contact your insurance company.
When you go on a trip, you need to be sure that you are protected if something should happen, and that is where a home insurance with travel insurance comes into the picture! Many travel companies offer their customers to book separate travel insurance in connection with making their booking, but it is often a much more expensive deal. Instead, seeing what protection you have in your home insurance provides security for most trips you make each year.
When is a travel insurance included in the home insurance?
To find out if you have travel insurance in your home insurance, you must contact your insurance company. In some home insurances, the travel insurance is included automatically, while in others it is a supplement. In general, it can still be said that today it is more common than unusual for it to be part of the insurance package. If you do not already have home insurance but are going to take out one, it is therefore worthwhile to see in the terms and conditions whether your travels will be covered before you make a choice.
What does the insurance cover and what is included?
Here, too, it is the insurance companies themselves who set the requirements. The most common is that you get a complete insurance cover for travel that amounts to around 45 days. If you are going to be away longer than that, you may need to take out supplementary insurance to have continued protection. It is also quite common that there is a requirement that the trip must begin within the Nordic region, as this is probably where you also live and have your home insurance.
The travel insurance includes both the one and the other. Some insurance companies have a cancellation policy, others do not. You will also be insured if you become ill during the trip and need emergency medical care, or if your luggage disappears and you need to buy the necessary hygiene items and clothes.
What is the best home insurance with travel insurance?
Saying which insurance company offers the very best home insurance with travel insurance is tricky because it depends so much on you who are going to travel. It is of course important to look at the price of the insurance itself, but you should also not stare blindly at it because your home and your personal belongings are also covered by it. However, it is almost always worthwhile to choose a home insurance that has a travel insurance, not only because it is cheaper than buying an insurance directly from the tour operator but also because you have your insurances gathered in one place.
When choosing a travel insurance, look at:
What types of travel are covered? Are there restrictions on destinations, continents or travel distances?
What insurance amounts do you get out if something should happen?
Does the insurance cover private medical care while traveling?
How big are the deductibles?
Once you have found a home insurance with travel insurance that suits you and will take you on a trip, you should make it a habit to bring an insurance certificate with you. If you have one, most doctor's surgeries can charge the insurance company directly without you having to pay the bill yourself to begin with.