Going on a trip with a child, parents try to put straws on all occasions. One of the issues is travel insurance. What is important to know? What to look for? What can meet the subtleties and nuances? Read all about it firsthand from the CEO of an online aggregator of insurance RiskMarket, Alexey Kovyazin.
Holidays with children can pass as a fairy tale, and can turn into a nightmare. It depends on what you are doing on vacation: implement plans or hastily trying to respond to unforeseen circumstances? There is no recipe to avoid problems, but timely planning will help insure risks.
Leaving the territory of Russia, it is necessary to purchase insurance for each traveler, no matter how old he was.
Types of travel insurance for children
Insurance for children can be divided into two types: simple and extended.
Simple insurance
A simple one you will need to apply for a visa or purchase a tour. In this case, it is important to pay attention to two points: the amount of coverage of insurance risks – that is, how much you will have medical services, as well as to pay attention to the assistance company with which you will directly maintain relations in the country where the insured event occurred.
Simple insurance does not cover all the risks associated with children's health. To be sure – read the contract with the insurance company, and better-make a policy yourself.
Extended insurance
Alexey Kovyazin, CEO RiskMarket is an online aggregator of insurance:
"On the website RiskMarket you can't just add and compose your insurance policy. Set the necessary, important options for you, enter the age of the child, the country of travel and travel period - and the aggregator will give you options from all major insurance companies.
Policy prices are current and updated online. We do not add our Commission. You will be able to select several options for comparison and examine the list of risks covered by insurance.
Some options that you hardly knew about, but which are worth paying attention to:
Outdoor activity
It is important to remember that an injury or illness resulting from outdoor activities-for example, in a water Park, on the rides, or during excursions, are unlikely to be compensated within a simple policy. To do this, add the option "active rest".
Travel insurance for children
Travel insurance
Especially important for the little ones: if the baby suddenly fell ill before the trip-you will be able to compensate for the cost of tickets and accommodation in the amount indicated in the policy.
Return of children home. A visit from a relative or a third party.
A necessary option if an adult needs to stay in the place of stay (for example, in case of illness), and children – to return home. Or need, to expense of insurance arrived someone from relatives and remained with them.
Selection of insurance assistance
The second important issue is the choice of insurance assistance. Depending on the direction you choose, the terms of service may vary depending on the characteristics of a particular country. Here it is important to know information about the assistance, read reviews.
There are many nuances that are better to know in advance for your own peace of mind, but there are General conditions – the policy must be purchased before the trip, and you should contact the insurance company immediately upon the occurrence of the insured event.
Collect the first aid kit for the child
In addition to documents and insurance, it is necessary to take medicines with you in time to come to the aid of the baby, as well as to follow simple tips for child care:
Comments Surtaeva Olga V., a pediatrician, a hematologist in the Morozov children's city clinical hospital:
"Take medicines with you on the road, only with proven effectiveness and preferably tested by a child. This minimizes the occurrence of an allergic reaction. Before traveling, it is desirable to give the child to drink a complex of vitamins.»
How to make acclimatization in children soft?
To your stay on vacation left only positive emotions, a few tips for the first days of vacation:
Don't aim for an active program right away. The first days you need to lead a gentle, quiet lifestyle to the body adapted to the new environment.
Follow the food, do not try to immediately give the child to try new exotic dishes, fruits and vegetables. If you introduce a new product, start with a small dose and monitor the reaction of the body.
One of the important sources that helps to cope with the adaptation process is water, so do not forget about the drinking regime.
Avoid air conditioning and cold drinks.
In the first days, the duration of the child's stay in the sun should be short, and every day you can increase the time spent under the sun and in the water.
Collect the first aid kit for the child
In addition to documents and insurance, it is necessary to take medicines with you in time to come to the aid of the baby, as well as to follow simple tips for child care:
Comments Surtaeva Olga V., a pediatrician, a hematologist in the Morozov children's city clinical hospital:
"Take medicines with you on the road, only with proven effectiveness and preferably tested by a child. This minimizes the occurrence of an allergic reaction. Before traveling, it is desirable to give the child to drink a complex of vitamins.»
How to make acclimatization in children soft?
To your stay on vacation left only positive emotions, a few tips for the first days of vacation:
Don't aim for an active program right away. The first days you need to lead a gentle, quiet lifestyle to the body adapted to the new environment.
Follow the food, do not try to immediately give the child to try new exotic dishes, fruits and vegetables. If you introduce a new product, start with a small dose and monitor the reaction of the body.
One of the important sources that helps to cope with the adaptation process is water, so do not forget about the drinking regime.
Avoid air conditioning and cold drinks.
In the first days, the duration of the child's stay in the sun should be short, and every day you can increase the time spent under the sun and in the water.
Travelling with a child
We wish you good emotions from an unforgettable journey with your child!