Ranking of the best travel insurance for 2020

Summer is a hot season for travelers and vacationers. On the eve of the vacation, people draw up travel routes, arm themselves with travel guides, and prepare to meet new adventures. It is important not to forget to put one thing in your suitcase - insurance. After all, this is an integral part of any trip.

Why do you need insurance?

In another country, especially if the traveler does not know the local language, it is difficult to solve simple everyday problems. What can we say about emergency situations related to health. For example, appendicitis, an asthma attack, or injury during an excursion. Finding professional help from a doctor can take a lot of time and money. Insurance helps in such situations. Thus, legal problems of civil liability, troubles with luggage and the transport company can be solved.

As a rule, it is drawn up by the tour operator together with the voucher. At the same time, clients do not particularly read the terms of the contract, which leads to difficulties in payments and refusals. Therefore, it is best to purchase a policy from specialized companies. Moreover, it is worth taking not a basic package, but an extended one, which covers the maximum number of insured events.

Insurance selection criteria

When choosing travel insurance, you need to pay attention to the following criteria:

1. No franchise. The most important nuance that you need to pay attention to. In simple words, a franchise is the exemption of the insurance company from payments within a certain amount, which the traveler himself pays for the treatment. For example, the policy has a deductible of $ 30. If you get sick on vacation and pay $ 29 for treatment, the insurance will not cover these costs.
2. Insured events covered by the policy. An insured event is a situation in respect of which the insurance company is obliged to perform certain actions (pay for a doctor's appointment, purchase of medicines, etc.). Each company has its own basic package of insurance claims. It is worth paying special attention to this list. Very often, the basic package does not include transportation (moped, car), as well as various outdoor activities (diving, mountain hiking, sports activities, etc.). If such cases are planned on vacation, it is better to purchase them additionally to your policy.
3. The amount of insurance coverage is the financial framework within which the insurance company will accurately pay the costs of treatment. If the amount for treatment is more than the specified limit, then everything in excess is paid from the traveler's personal pocket. Typically, the standard amount is $ 50,000 (may be less or more). If desired, it can be increased to any amount, even up to a million dollars or euros. Experts recommend choosing a policy with a coverage amount of at least $ 50,000. For example, the minimum cost of the simplest operation to remove appendicitis in a Beijing clinic is $ 17,000.Accordingly, the cost of more complex medical operations will be even higher.
4. Fame and experience of the company. These criteria reduce the likelihood that a company will unexpectedly shut down. And also large companies that have been working for a long time collect more reviews from customers.
5. High reliability rating. It is best to choose agencies from category A, not lower. These are organizations with high financial and credit capacity.
6. Good assistance company. At this point, you also need to pay close attention. The thing is that in the event of an insured event abroad, not the insurance company itself will help, but an assistant company. This is a company that is an intermediary between an insurance and a medical institution. The main task of the mediator is to organize full and timely assistance of a doctor or lawyer abroad.

Summing up, we can say that the speed and quality of medical care depends on correctly selected insurance conditions, the quality of service of the insurance and assistance company.

Ranking of the best travel insurance for 2020

VTB insurance

VTB Insurance was established in 2000. Now it provides a wide range of services with high quality and quickly. The main direction is insurance of enterprises and citizens of the Russian Federation by qualified specialists.

VTB Insurance provides insurance for people traveling abroad.

Franchise: none.

Programs: a standard medical policy guarantees payment for expensive treatment, hospital stays and specialized delivery to your homeland if necessary. Various options can be added to it. The Sport option is suitable for outdoor enthusiasts and amateur sports enthusiasts. Cycling, moped and jet skiing are included in the basic package. The "Civil Liability" option is needed to rent expensive equipment that could harm another person or his property. Especially true for ski resorts. Includes advice from Russian-speaking lawyers who specialize in the laws of the host country.

Reliability rating: ruAAA.

Assistance company: Global Voyager Assistance (GVA).

• high level of responsibility and customer care;
• simplicity of design. There is an online version;
• a wide range of additional options.

• not.

Ingosstrakh

It is the largest insurance company in Russia from the category of backbone Russian insurance companies. It stays in the top ten insurers of the Russian Federation. Very popular in the media. Ranks first among insurers, which are most often mentioned in the press. Conducts active sponsorship and charitable activities. Special attention is paid to sports and cultural projects.

Franchise: yes.

Programs: it is possible to insure medical expenses abroad, accidents, luggage, sports risks and civil liability. The standard medical policy allows you to change the duration and insurance claims. There are policies for active and relaxing holidays, for children and pregnant women. There is a separate option for traveling in Russia.

Reliability rating: ruAAA.

Assistance company: Smile assistance.

• a large list of insured events;
• individual approach to each traveler;
• you can issue a policy remotely.

• the presence of a franchise.

Tinkoff Insurance

It insures any kind of rest: active and calm. You can issue a policy for children separately or add them to the parent. Tinkoff Insurance guarantees medical care seven days a week, twenty four hours a day. Whenever possible, clients are always referred to the best hospitals. Managers are always in touch in messengers and on the phone.

The insurance policy is suitable for Schengen and other visas. The expenses will be reimbursed within three working days. You can get a policy without leaving your home or office. To do this, just fill out an electronic form on the Tinkoff website.

Franchise: none.

Programs: there are no hidden restrictions and limits on dental and other medical services. The Quiet Vacation option covers all insurance claims related to medical and medical transportation costs. However, this does not include sports events. The Active Rest option is an extended version of the Quiet Rest. This includes insurance claims arising from running, water activities, ball games, etc. This package does not cover official sporting events and competitions. For dangerous sports, the "Dangerous Sports" option is provided.

Reliability rating: ruAAA.

Assistance company: Europ assistance.

• fast work of employees;
• the ability to communicate through instant messengers;
• convenient and simple system of registration and payment.

• not.

Renaissance Insurance

Offers insurance with varying amounts of coverage, from $ 30,000 to $ 100,000. All policy options include basic services: emergency assistance from a specialized doctor and dentist, medicines, the use of medical equipment, transportation of the victim or remains, follow-up care. The trip abroad additionally includes the evacuation of children, treatment of exacerbations of chronic diseases and return home.

Franchise: yes.

Programs: Standard insurance does not cover active life at sea or in winter resorts. For these cases, an additional option "Active rest" is offered. Also, for the duration of the trip, you can take out insurance for the apartment for the duration of the trip, against accidents and civil liability.

Reliability rating: ruA.

Assistance company: Global Voyager Assistance (GVA).

• fast and high quality service;
• reliable intermediary company;
• a wide range of services;
• the ability to calculate the cost of the policy on the website;
• the company is well known in the Schengen countries.

• do not inform clients about the availability of a deductible of $ 50;
• do not work by messengers, only by phone.

Absolute

A universal insurance agent who has been working since 1992.

In addition to reimbursing the costs of medical assistance, it covers legal assistance, civil liability against third parties, and helps with the loss of documents. The principles of openness, maximum attention and an individual approach to each client are the basis of the work of "Absolute". The company's goals: to provide a high level of comfort to customers, from service to full fulfillment of their obligations. Clients of "Absolute" are not only individuals, but also enterprises of various forms of ownership and fields of activity. This is the first company in Russia to start insuring luxury housing and hospitality facilities.

The motto "Absolut Insurance" is to be useful and the best for clients, unquestioningly fulfilling their obligations.

Franchise: there is no such information in the public domain.

Programs: there is insurance for those traveling abroad and for those traveling in Russia. Absolute offers standard packages with some options for outdoor activities.

Reliability rating: ruA +.

Assistance company: Allianz Global Assistance.

• inexpensive cost of standard policies;
• the ability to contact Viber or Vatsap;
• a standard package suitable for most tourists looking for a relaxing holiday.

• long waiting times for medical attention;
• mixed reviews on the Internet.

AlphaInsurance

A private insurance company that provides a comprehensive range of insurance services for both businesses and individuals. Alpha Insurance offers over two hundred insurance programs.

Franchise: no.

Programs: The AlfaTravel program is designed specifically for avid travelers and business people. Depending on the duration of the trip, insurance risks and country, AlfaTravel programs are offered. "Minimum" is suitable for trips to the near abroad: the CIS countries, Georgia, Mongolia, Abkhazia, South Ossetia. Covers medical transportation and homecoming in the event of death."Economy" - suitable for people who often travel abroad, especially to the countries of the Schengen Union. To the insurance risks of the "Minimum" program, additional options are added to pay for the costs of medical care, emergency dental treatment, emergency messages and evacuation. The program "Classic" added payment of transportation costs in case of emergencies, assistance in case of loss of documents and legal assistance.

Offers the program "AlfaTravel Auto", which is intended for people traveling by car.

Reliability rating: ruAA +.

Assistance company: Assistance class.

• a wide range of travel programs;
• fast registration on-line;
• individual approach to clients.

• hide some of the nuances of the contract;
• long wait for medical attention.

AK Bars

The limited liability company started operating in 2006 in the Republic of Tatarstan. It has a large branch network in all administrative regions of Tatarstan, as well as in the Russian Federation. Carries out classic types of comprehensive insurance.

Franchise: not provided.

Programs: Offers the Pilgrim program, which covers medical and travel expenses, including emergency dental care. Optionally, additional risks can be added to the basic program related to trip cancellation, flight delay or cancellation, baggage, information and legal services, loss of documents, accidents and civil liability. The insurance contract may provide for recreational sports.

Reliability rating: not in Expert rating.

Assistance company:

• registration of the policy on-line;
• the possibility of choosing additional insured events.

• many negative reviews related to the service and competence of the employees.

Tripinsurance

Specializes in travel insurance. They have been working since March 2012. The first in Russia to offer independent on-line insurance for people who travel without a travel agency. does not compromise on the choice between cost and quality of service. The main principle is a policy with maximum filling and a limit of insurance coverage in tandem with an excellent assistance company. Tripinsurance

Franchise: yes.

Basic insurance programs cover some activities: cycling, cave descent, tennis, golf, badminton, etc. You can add items for "Outdoor Activity", "Amateur Sports" and "Dangerous Work".

Reliability rating: not in Expert rating.

Assistance company: Tripinsurance Assistance.

• high-quality and fast assistance;
• simple online design;
• helpful staff;
• many positive reviews.

• not in the reliability rating;
• not long enough in the insurance market.

Medical insurance will help you enjoy your vacation to the fullest. The insurance company will help you call an ambulance or help you find medical facilities for assistance. All conversations usually take place with a Russian-speaking tour operator. And in the event of an emergency or illness, organizes the required assistance. Therefore, you should not save on insurance when going on vacation.