Chilichonse chomwe mukufuna kudziwa musanagule ndondomeko ya Inshuwalansi ya Travelex
Ngakhale kuti sagwirizananso ndi namesake kampani, Travelex Inshuwalansi Services akadali mmodzi wotchuka kuyenda inshuwalansi makampani mu malonda. Popereka zinthu zinayi zazikulu, Travelex imapereka malipiro otsika mtengo kwa omwe amapita ku tchuthi, makamaka pa ndege.
Kodi Travelex Insurance Services pa radar wanu? Ngati ndi choncho, kodi ndizofunikira kusankha zosowa za inshuwalansi?
Ife tachita kafukufuku ndikutsitsa malingaliro kuti muthe kusankha bwino pa ulendo wanu wotsatira wa mayiko onse.
Za Za inshuwalansi za Travelex
Ntchito za Inshuwalansi za Travelex poyamba zinayambira ngati inshuwalansi yaulendo wa makampani a Omaha, ndipo adakali ku Omaha, Nebraska. Mu 1996, kampani ya ku Britain Travelex Group inagula othandizira inshuwalansi, ndikubwezeretsanso kampani yomweyi pansi pa dzina lomwelo monga utumiki wawo wosinthanitsa ndalama. Ubwenzi umenewo unangokhala zaka 20, pamene Travelex Inshuwalansi Inagulitsidwa ku Gulu la Owonjezera la Australia, kampani yaikulu kwambiri ya mtundu wa inshuwalansi yaulendo, thandizo lachipatala ndi thandizo la abwana.
Ngakhale Gulu Lowonjezereka ndi kampani ya ku Australia ndipo imagulitsidwa ku Australian Stock Exchange, Travelex Insurer Services imapereka mankhwala a inshuwalansi kwa alendo padziko lonse lapansi. Kampaniyi imapanga njira zambiri zoyendera inshuwalansi, komanso zomwe zimagwirizana ndi ndege.
Kodi Malonda a Inshuwalansi a Travelex Amawerengedwa Bwanji?
Ngakhale Dipatimenti ya Inshuwalansi ya Travelex inali nthawi imodzi ya Mutual wa Omaha, ngakhale kampani yawo yoyamba ya makolo kapena makampani awo omwe alipo tsopano akulemba inshuwalansi yawo. M'malo mwake, mapolisi amalembedwa ndi Berkshire Hathaway Specialty Insurance Company, yomwe kale inkadziwika kuti Stonewall Insurance Company.
AM Best Rating Services amapatsa Berkshire Hathaway Specialty Inshuwalansi Company mlingo wawo wabwino, A ++ Superior, ndi chiyembekezo chokhazikika m'tsogolo.
Ngakhale Berkshire Hathaway ili kulembedwa ndi Travelex Insurance Services 'zinthu zinayi zoyambirira, izi siziyenera kusokonezedwa ndi Berkshire Hathaway Trip Protection . Zogulitsa ziwirizi ndi zosiyana kwambiri ndi wina ndi mzake, ndi zothandizira zosiyanasiyana inshuwalansi, kuchuluka kwa chithandizo, ndi inshuwalansi.
Pogwiritsa ntchito makasitomale, Travelex Insurance Services walandira ndalama zambiri zomwe anthu osagwira ntchito phindu lamagetsi komanso ma inshuwalansi oyendayenda amagula malo Squaremouth. Pogulitsa Zinthu, Travelex Insurance Services analandira chikhutiro cha 4.5 choyamba pa asanu, ndipo ambiri akufotokoza kukhutira kwawo pokhala ndi mafunso omwe adayankhidwa ndi ogulitsa inshuwalansi, komanso ndondomeko yobwereza. Ogwiritsa ntchito Squaremouth amapereka chithandizo cha inshuwalansi udindo waukulu wa 4,45 nyenyezi pa asanu, ndipo mapulani oposa 49,000 amagulitsidwa.
Malingaliro olakwika pa mawebusaiti onsewa adakhudzidwa ndi mtengo wa malonda a inshuwalansi, komanso ntchito yokhudzana ndi makasitomala chifukwa cha zifukwa zosatsutsika. Ndemanga zowononga zidatanthawuza kuti zolinga zawo sizinaphatikizepo zochitika zina zadzidzidzi paulendo, pamene okalamba achikulire adanena kuti mapulani a inshuwalansi anali otsika mtengo potsatira zaka.
Kodi Travel Insurance Inshuwalansi Kodi Mapulogalamu a Inshuwalansi a Travelex Amapereka?
Mapulogalamu a Inshuwalansi a Travelex amapereka ndondomeko zinayi zazikulu kwa anthu oyendayenda: ndondomeko ziwiri za inshuwalansi zoyendayenda, ndi ziwiri zomwe zimayendera bwino zowonongeka. Mapulani onse a inshuwalansi amakupatsani nthawi yowonetsera kwa masiku 15 ngati mwalephera kuchoka paulendo wanu kapena mutapereka chiwongoladzanja, phindu linalake la kugula koyambirira (kuphatikizapo chikhalidwe choyambirira). , kuyenda mofulumira paulendo pazinthu zonse za inshuwalansi zoyendayenda. Malinga ndi mtundu wotani waulendo womwe mukuyenda komanso ntchito zomwe mukukonzekera, ndondomeko iliyonse ya inshuwalansi ikupereka chinachake chosiyana.
Chonde dziwani kuti ndondomeko zonse za phindu zingasinthe. Kuti mudziwe zambiri zokhudza chithandizo, funsani a Travelex Insurance Services.
- Travel Travelex Basic: Njira yothandizira inshuwalansi yotsika kwambiri, Travelex Travel Basic ndi ndondomeko yoyendetsa inshuwalansi yaulendo yomwe imayendera phindu ndi phindu. Oyenda pansi pa dongosolo lino angathe kulandira ndalama zokwana 100 peresenti yaulendo wawo wa inshuwalansi ndalama zokwana madola 10,000 chifukwa cha zifukwa zotsutsa kapena zosokoneza, kapena $ 200,000 kwa anthu onse oyendetsa pulogalamu yomweyo. Kuonjezera apo, ngati mukulipira ulendo wanu pazigawo kapena mailosi, mukhoza kukhala woyendayenda pafupipafupi $ 200 kuti mubwezeretsenso ndalama ngati mutakakamizidwa kuti musiye ulendo wanu.
Ndondomekoyi imabweranso ndifupikitsa phindu la madola 250 patsiku, ndipindula kwambiri madola 500. Katundu wothandizira kuchepetsa katundu wamtengo wapatali pa $ 100, ndi katundu wotayika kwambiri ndi zotsatira zake zimapindula madola 500.
Kuika malipiro kwa zamankhwala kumaikidwa pa $ 15,000, kuphatikizapo madola 500 owonjezerapo phindu la mano. Mukakhala mukufunikira kusamukira kwadzidzidzi, kapena zotsalira za oyendayenda zikuyenera kubwezeredwa kunyumba, zopindulitsazo zimachokera pa $ 100,000. Mapinduwa ndi othandiza ngati mukuyenda makilomita 100 kuchokera kunyumba yanu yoyamba.
Ngati mungathe kugula pasanathe masiku khumi ndi limodzi kuchokera pa chiwongoladzanja chanu choyamba, mutha kukwanitsa kupeza zina zowonjezera katatu: chithandizo chomwe chilipo kale chisanachitikepo , komanso kuchotsedwa kapena kuchotsedwa kwaulendo chifukwa cha zosasintha zachuma kapena ntchito. Zopindulitsa mwachindunji zimaphatikizapo mpweya wonyamula wodwala mwangozi imfa ndi kukhumudwa, ndi kufalikira kwa galimoto yopangiritsa galimoto.
Werengani ndandanda ya phindu - Travel Travelex Sankhani: Kwa alendo omwe akukonzekera ulendo wautali, akonzekere kuchita nawo zinthu zoopsa panthawi yoyendayenda, kapena akufuna malo apamwamba, Travelex imaperekanso Travelex Travel Select. Mofanana ndi Travelex Travel Basic, ndondomeko ya inshuwalansi yaulendoyi imapereka zowonjezera zambiri, koma ndi malire apamwamba ndi zina zambiri.
Ndondomekoyi imapereka ndalama zokwana madola 50,000 paulendowu, komanso kupindula kwa mapulitsi opitirira 150 peresenti ya ulendo wopita. Zopindulitsa zina zomwe zimaphatikizapo ndondomekoyi zikuphatikizapo madola 1,000 kuti abwerere pokhapokha ngati ulendo waulendo ukakhala pansi pa $ 700, mpaka $ 200 kubwezera ndalama zothandizira ndi $ 200 chifukwa cha kuchedwa kwa masewera kapena masewera a golf.
Phindu la maulendo ena omwe anthu ambiri amapita amayendanso. Pansi pa ndondomeko iyi, mutha kulandira ndalama zokwana madola 250 pa kubwezera tsiku ndi tsiku paulendo waulendo ndi ndalama zokwana madola 750, kufika pa $ 750 kuti mutsegule kugwirizana, ndipo mpaka $ 200 chifukwa cha katundu wotsalira. Ngati matumba anu kapena zinthu zina zanu zitayika, mutha kulandira ndalama zokwana madola 1,000 kuti mutenge zinthuzo.
Kuphunzira zachipatala kumaperekanso malire apamwamba: Travelex Travel Select dongosolo limapereka ndalama zokwana madola 50,000 muzomwe ndalama zowonjezera ndalama, komanso kufika pa $ 500 za chithandizo chadzidzidzi cha mano. Kutuluka mwadzidzidzi ndi kubwezeretsa mabwinja kukuwonjezeretsanso kufika pa $ 500,000. Mukamagula masiku osachepera 21 mutapereka chiwongoladzanja choyamba, mungathenso kulandira malipiro ena, kuphatikizapo chikhalidwe chomwe chilipo kale chisanachitikepo kapena kuchotsedwa kapena kuchotsedwa kwachuma chifukwa cha kusasintha kwa ndalama. Ndondomekoyi siyinapereke kukanidwa kapena kusokonezeka paulendo chifukwa cha ntchito.
Kukhazikitsa mwachindunji kumaphatikizapo Kuletsera Chifukwa Chake Inshuwalansi, yomwe ingakulole kuti muchotse ulendo wanu chifukwa chodziwika bwino ndipo mulandira 75 peresenti ya malipiro anu oyendayenda, ndi Inshuwalansi yowonjezereka ndi Inshuwalansi Yotsutsa kuti muyende pamtengatenga wamba. Ngati mukukonzekera kuchita nawo masewera olimbitsa thupi, monga kukwera kwa thanthwe, njira yowonjezera masewero a masewera angathe kuwonjezeredwa ku kufotokozera . - Ndege Yoyendetsa Bwino: Osagwirizana ndi njira zina za inshuwalansi za Travel Travelex, Ndege Yotsimikizirika imangolemba zomwe zingawonongeke pamene mukuuluka kupita komwe mukupita. Ndege Yotsimikiziridwa ndi imodzi mwa magawo awiri omwe alipo, ndi njira zitatu zowonjezera Imfa ndi Kugonjetsedwa pamene akuuluka pamtengatenga wamba: $ 300,000, $ 500,000, kapena $ 1 miliyoni powerengera.
Ndondomeko iyi ya inshuwalansi imaperekanso ndalama zokwana madola 100 pafupipafupi paulendo waulendo, komanso thandizo laulendo. Ngakhale kuchuluka kwa kufalitsa kuli kochepa poyerekezera ndi zomwe mungapeze kudzera mu makadi anu a ngongole , ndizofunika kwambiri inshuwalansi mankhwala - kutanthauza kuti zidzathera pokhapokha mutayitanitsa mitundu ina ya inshuwalansi itatha.
Werengani bukhu la inshuwaransi. - Ndege Yowonjezera Imaphatikizapo Kuwonjezera: Kumene Ndege Yotsimikizika ndi chinthu chofunika kwambiri cha inshuwalansi yopanga ndege, Flight Insure Plus ndi phukusi lolimba lomwe limapereka gawo lapamwamba la kufalitsa. Apanso, inshuwalansi ikuyamba ndi kusankha msinkhu wa Imfa Yomwe Imfa ndi Kukhumudwa pamene mukuwuluka wonyamulira: $ 300,000, $ 500,000, kapena $ 1 miliyoni.
Kuchokera kumeneko, Flight Insure Plus imapereka zambiri zowonjezera kusiyana ndi msinkhu wa inshuwalansi. Kuphatikiza pa $ 100 muzowonjezera kuchedwa kwaulendo, njira iyi yowonjezeredwa imabweranso ndi $ 1,000 mu katundu ndi zofalitsa zomwe zimakhudza anthu, mpaka $ 500 mu katundu wothandizira kufalitsa, mpaka $ 10,000 mu chithandizo chadzidzidzi kuchipatala ndi $ 500 madontho sublimit, ndi $ 100,000 pamsampha wofulumira kuchipatala ndi kubwezeretsa.
Ngakhale kuti ndondomekoyi imapereka inshuwalansi zachipatala, sizimapereka chithandizo chomwe chilipo kale. Mmalo mwake, ndondomekoyi ikubwera ndi nthawi ya masiku 180 yomwe ilipo kale: ngati muli ndi vuto lachipatala masiku 180 apita kuchokera paulendo wanu, sizingapangidwe pansi pa ndondomekoyi.
Monga Travelex Flight Insurance, ichi ndi chinthu chachikulu cha inshuwalansi. Choncho, ndondomekoyi ikhoza kugwiritsidwa ntchito musanayambe mapulani a inshuwaransi, malinga ndi zomwe mukuchita.
Kodi Tsamba la Inshuwalansi la Travelex Lingachitike Motani?
Monga ndi ndondomeko iliyonse ya inshuwalansi, ndondomeko za Inshuwalansi za Inshuwalansi zili ndi zochepa zolembapo. Ngati zochitika zanu zikugwera pansi pa imodzi mwazigawozi, inshuwalansi yanu yaulendo ikhoza kukanidwa.
- Kuvulaza mwadzidzidzi: Ngati inu kapena wina pansi pa dongosolo lanu mukukumana ndi vuto la maganizo, mantha, kapena maganizo ndi kuyesa kudzivulaza, sichidzapangidwe ndi inshuwalansi yaulendo. Ngati mukudandaula za izi, nkofunika kulingalira za ndondomeko yoteteza chitetezo ndikuyesa ngati ulendo uli wotheka.
- Mimba yokhazikika kapena kubereka: Monga momwe zimakhalira ndi inshuwalansi zambiri zoyendayenda, mimba yabwino kapena kubereka kwina kulikonse sikunapangidwe ndi ndondomeko za Inshuwalansi za Travelex. Komabe, zovuta zosayembekezereka zomwe zimachokera mimba zingathe kuchitika pazinthu zina.
- Kuchita nawo masewera ochita masewera olimbitsa thupi kapena motorsports: Ngati ndinu mpikisano wamasewera, muyenera kudziwa kale kuti njira yoyendetsa inshuwalansi yoyendayenda sikudzaphimba kuvulaza kulikonse.
- Kukwera m'phiri: Ngati mukufuna zolembapo, anchors, bolts, crampons, carabineers, kapena zipangizo zina zapamwamba kukwera phiri, ndiye kuti chikonzero chofunikira sichikuphimba. Ganizirani kuwonjezera pa masewera othamanga kuwonjezera pa ndondomeko yanu ya inshuwalansi ngati mukufuna kukweza mapiri.
- Kuvulala chifukwa cha mankhwala osokoneza bongo kapena kumwa mowa: Zikhulupiriro kapena ayi, kumwa mowa mwauchidakwa ndi mankhwala osokoneza bongo kumapangitsa kuti anthu ambiri azipita kukaona alendo kusiyana ndi kupha nsomba chaka chilichonse. Ngati mwavulala chifukwa chomwa kapena kumwa mankhwala osokoneza bongo, simungapangidwe pansi pa ndondomekoyi.
- Ulendo wotengedwa motsutsana ndi uphungu wa madokotala: ngati adokotala akukulangizani kuti musayende, ndibwino kukhala kunyumba. Ngati mumayenda m'njira iliyonse, inshuwalansi yaulendo sangathe kukuthandizani: ngati mutapezeka kuti mukutsutsana ndi uphungu wa dokotala, ndiye kuti pempho lanu lingakanidwe.
- Kuchita nawo matenda aumphawi: Pali njira zabwino zothandizira kunja kwina kuposa kuchita nawo zionetsero kapena matenda ena. Ngati mwavulala kapena mukuphedwa chifukwa cha matenda aumphawi kapena nkhondo, dongosolo loyendetsa inshuwalansi silikhoza kubisala.
- Ulendo wokaona zamankhwala: Ngakhale kuti anthu ambiri amachoka ku United States kukafuna ndalama zochepa, amagwiritsa ntchito makampani a inshuwalansi. Ngakhale kuti othandizira ena a zaumoyo angayende njira zothandizira alendo , Utumiki wa Inshuwalansi wa Travelex sudzaphimba kuvulala kuchokera ku zokopa zamankhwala.
Kodi ndimapereka bwanji chigamulo ndi Inshuwalansi ya Travelex?
Ngati muli ndi ndondomeko ya Inshuwalansi ya Travelex, momwe mumaperekera chigamulo chimadalira omwe mwagula mapulani anu. Zolinga zapamwamba, zotsutsa zambiri zingayambe pa intaneti poyendera tsamba la Inshuwalansi ya Travelex ndi kulembera nambala yanu ya pulani. Mukhoza kupeza mfundoyi pa Travelex Policy, Description of Coverage, kapena Confirmation of Coverage.
Ngakhale ambiri angatumizidwe ku intaneti, ena amafuna kuti muzitsatira ndi kutumiza mafomu kuti mugwirizane. Ngati muli ndi mafunso okhudza momwe pempho lanu lidzakonzedwere, funsani Travelex Insurance Services mwachindunji pa 1-800-228-9792.
Kodi Inshuwalansi ya Travelex Ndi Yabwino Kwambiri?
Zonsezi, Dipatimenti ya Inshuwalansi ya Travelex imapereka ndondomeko zinayi zosiyana siyana, zomwe zikutanthauza kuti muyenera kufufuza bwinobwino ulendo wanu ndi ntchito zanu musanagule ndondomeko ya inshuwalansi. Kuchokera pa kusanthula kwathu, timakhulupirira njira yabwino kwambiri yothandizira inshuwalansi ndi Travelex Travel Select, chifukwa imapereka chithandizo cholimba kwambiri ndi zosankha zabwino. Ngati mukukonzekera ulendo wamtali kapena wotsika mtengo, makamaka m'malo omwe chithandizo chachipatala sichingakhale chofikira pomwepo, Travelex Travel Select ndi ndondomeko yomwe mungaganizire za momwe akuwerengera zachipatala komanso kufalitsa ntchito.
Musanagule njira zina za Travelex Insurance Services, onetsetsani kuti mumvetsetsa zomwe zilipo kale zomwe mungakhale nazo kale. Chifukwa chakuti mapulani awiri akuphimba ndege pokhapokha, pamene pulve ya Travelex Travel Basic ili ndi malire otsika paulendo wochedwa kuchepetsa ndi katundu wotsalira, zolinga zomwe zimachokera ku makadi a ngongole kapena zolinga zina zingapereke zambiri zowonjezera popanda kugula kwina.