Saman travel insurance

What Does Travel Insurance Cover?

I hope you never encounter an unexpected incident during any moment of your travels, but if, God forbid, you fall ill or your money and documents are stolen, what can you do? In a foreign country with a maze of laws you’re unfamiliar with!

This is exactly where travel insurance comes to your rescue like a guardian angel, ensuring that your memorable trip doesn’t turn bitter. Travel insurance offers various coverages, one of the most important of which may be related to medical matters. There are many other aspects as well, which we will discuss.

What Does Travel Insurance Cover?

The word "insurance" is usually associated with medical expenses in our minds, but it’s interesting to know that travel insurance covers a wide range of situations. These include:

• Medical expenses, including doctor visits, various tests, surgeries and dressings, operating room and anesthesia costs, etc.;
• Pharmaceutical costs, whether related to treatment during the trip or if a doctor prescribes medication even before the trip—if the medication is unavailable at the insured’s location, the insurer will cover the costs of emergency delivery;
• Essential dental expenses such as toothaches, tooth infections, emergency surgeries, and tooth extractions;
• Costs related to the insured’s companion in special circumstances, as determined by the treating physician;
• Costs related to transferring the insured back to their home country for continued treatment;
• Costs related to transferring the insured’s body back to their home country in case of death;
• If a first- or second-degree relative of the insured passes away in their home country during the trip, the insured can claim return travel costs from the insurer by providing documentation and a death certificate;
• Costs related to returning the deceased insured’s unaccompanied children to their home country;
• Luggage coverage and compensation for lost luggage;
• Coverage for delays in the start of the trip;
• Payment for lost documents;
• Payment of funds (proportional to the deposit paid to the insurer) in case of lost or stolen money;
• Legal support necessary to pursue crimes committed against the insured.

These and some other items can be included in a travel insurance policy. Now we better understand the importance of this insurance.

Which Trips Can This Insurance Be Obtained For?

As mentioned earlier, travel insurance is mandatory for some trips. You must purchase travel insurance before applying for a Schengen or Canadian visa; otherwise, your other documents will not be reviewed. For other non-Schengen countries, there is no legal requirement, but it’s advisable to obtain it—both as a matter of prudence and as an advantage for visa approval!

For domestic trips, if a foreign traveler undertakes these journeys, travel insurance applies. Tourism agencies like Pasargad Thousand and One Travel insure their passengers when selling domestic tour packages.

Conditions for Using Travel Insurance

This insurance policy becomes active as soon as the traveler leaves the country, and if any covered incident occurs, the insured can utilize it. In terms of duration, the insured must be outside the country for less than 92 days to use the travel insurance. If you plan to stay abroad longer than this, you must return to the country and obtain a new insurance policy.

Which Is the Best Insurance Company?

Due to sanctions against our dear country, none of the domestic companies have representatives abroad, so they collaborate with international assistance companies to provide better services. These companies issue insurance policies based on the capabilities of their foreign partners. Therefore, when choosing your travel insurance, ensure you check the compensation ceiling and the range of countries covered by the insurer’s services. Another crucial factor in the quality of services provided by assistance companies is the availability of translators and operators fluent in Persian.

What Should We Do to Purchase the Best Travel Insurance?

You simply need to fill out the Saman Travel Insurance form or contact the travel insurance issuance department at Pasargad Thousand and One Travel. Our colleagues in this department will gather the necessary information, including traveler details, travel destination, trip duration, and your desired coverage ceiling, and provide you with your ideal insurance policy in the shortest possible time. Our wish is that you never need to use this travel insurance, but as they say, caution is the better part of wisdom.