Policies, protecting summer holidays has become a necessity: ANIA’s suggestions for a risk-free summer
This summer three out of four Italians will go to vacation. To be exact 76% (against 71% of the European average), according to the Holiday Barometer. An increase of 9% compared to the summer of 2021, with a slightly increased budget (about 10% more to spend). Maybe fewer days, but with more comfort. It was supposed to be the first summer after pandemicbut even if Covid in its innumerable variants continues to infect, the hot summer 2022 is proposed as the season of the tourist revival.
Il voyage it is always fun and entertainment, provided they can be avoided (or controlled) i risks. This is also why the propensity to insure some aspect of the trip increases. Overall, according to the Holiday Barometer, 45% of Italians consider it more important to be covered by a ‘travel insurance during their holidays. If in general the unforeseen health issues are those that worry travelers most, even in 2022 the contagion from Covid, before or during the stay, remains the main fear, especially when traveling abroad.
The specific insurance offers for Covid-19
Since the beginning of the pandemic, the insurance offer has developed strongly. In the past, most travel policies excluded the pandemic risk (technically not insurable due to its characteristics). But companies, demonstrating great ability to adapt to the emergency, to meet the needs and growing needs of policyholders, have adopted measures that today allow the majority of operators to offer insurance products with specific coverage for Covid-19.
L’insurance offer in the field of travel coverage it is very varied, recalls ANIA, the National Association of Insurance Companies. As a rule, the basic policy provides for coverage of medical expenses (in the event that you contract Covid during your stay) and the costs of canceling the trip (generally the penalties provided for) if the insured should contract the virus before departure. Furthermore, if you contract the virus during your holiday, the insurance may cover, in addition to health costs, also accommodation costs, as well as the costs of the new return ticket within the limits of the contractual conditions provided for in the policy (which vary from company to company).
Some companies cover the cancellation of the trip even in the event of quarantine of the insured despite the fact that he has not contracted the virus. Mind you, there is no insurance against fear. That is, if you decide not to leave because you are afraid of contracting Covid, the policy does not operate. There are, however, products on the market that include coverage of the costs of canceling the trip without proof even if they are less common and more expensive products in consideration of the greater risk that the insurer assumes.
Another “caveat” concerns some restrictions on destinations. Coverage operates on condition that the trip complies with official government recommendations. Travel to countries that are banned by the Ministry of Foreign Affairs will obviously not be covered in the event of contracting the infection.
The Covid concern is still on top of the fears of those who travel and seek insurance coverage, but in general the area of salute that’s what they focus on more warranty claims. All travel policies now include the basic offer Health cover in case any occurs health problem (positivity to Covid including, as mentioned), in most cases by paying the health costs directly or, if this is not possible, by reimbursing them, together with the economic coverage of a possible forced extension of the stay (due, for example, to some form of quarantine: the need for quarantine may be different, not only related to Covid).
If, on the other hand, you fall ill before leaving, there is the possibility of purchasing a guarantee that provides for the reimbursement of the penalty in case of cancellation of the trip and if you want a contribution for the purchase of new tickets in the event that it is not possible use the previous ones. In addition, now almost all companies offer to stay alongside their policyholders 24-hour medical assistance, seven days a week and the possibility of using a tele / video medical consultation service. L’ANIA remember that, in the event that you decide to go abroad, the coverage may include the expenses necessary to reach the injured insured as well as medical repatriation and early return in the event of serious reasons.
Cars and more
For those traveling by car, in addition to health care, some companies offer the opportunity to protect themselves in the event of any faults to your own means of transport (car, camper, motorbike and bicycle included) by providing one roadside assistance guarantee on site even in the event of a tire puncture. Additional services can also be provided such as accommodation costs, recovery of the vehicle at the stop and delivery of the replacement car. The goal is always the same: to offer a serene horizon in the face of any unforeseen event capable of smashing the longed-for rest.
But for those who travel, especially in recent times, an offer is being developed relating to travel policies that cover health costs for pets. Our serenity cannot be distinguished from those who are our usual life (and travel) companions. In the summer, the dog is more subject to stress or exposed to different risks, it is not in its nature to undergo exhausting travel.
If you travel by plane, dogs of a certain size must travel in the hold, but even long journeys by car can upset the dog who may have health problems or be more aggressive due to travel stress. Some policies may also include research costs in the event of loss, or combine specific apps that allow you to easily find our four-legged friend. Most companies offer coverage that is valid around the world. Some provide for the exclusion of the United States and Canada, countries that have specific legislation and regulations. Generally speaking, if you take your dog or cat on vacation with you, it will be insured wherever you are.
Insurance protection for pets
In truth, the whole world of pets (even for those who do not leave) is subject to insurance protection, which becomes more urgent in the summer season. The insurance refers to the animal indicated in the policyholder policy. It covers both the services of immediate helpreimbursing any health, veterinary and surgical expenses, both the sums that the owner must compensate, if civilly liable under the law, for damage unintentionally caused to third parties by the animal (injury to other animals, people or damage to property). The coverage usually also guarantees the reimbursement of legal costs in the event of disputes for damage suffered or caused by the insured animal. The warranty does not cover unnecessary and non-functional services to deal with the difficult situation. In general, all possible exclusions are indicated in the policy conditions.
Mind you, the insurance for pets (limited for now only to dogs and cats, usually the insured animals are between six months and 8 years old) is not compulsory. However, the law provides for the possibility that the subscription of a policy may be required in the event that the pet is included in the “Register of dogs declared at high risk of aggression” compiled and updated by the veterinary services of the ASL. It is true that in this case there are some limitations to insurability, linked to the breeds indicated in the “Register”, indicated as potentially dangerous. In this case, the application of a sub-limit for compensation and an overdraft can be envisaged.
There is the possibility of extend the warranties, upon payment of an additional premium, to be able to include the animal from the retirement custody in case of hospitalization of the owner for more than 5 days until the delivery of medicines at home. The pet insurance premium it is variable and depends on several factors: the type (dog or cat), the breed (and its possible danger index), the size and age (for the recovery of veterinary expenses) of the animal.
Insure against theft
Unfortunately, summer is also the season for home burglaries. The Second Report on the security chain in Italy signed Census and dated April 2021 shows that Italians do not feel safe. Although fewer crimes were reported in Italy in 2020 than the previous year (often no theft is reported as it is known that it will be difficult to recover the stolen goods), for 28% of Italians the sense of fear and insecurity has increased. The percentage rises to 41.3% for vulnerable individuals. According to Censis data, they are 9 million the Italians who have fear of being alone in their own home during the night.
Make sure against the home burglary helps protect the contents of your home. The guarantee can also operate in the event of theft, mugging and robbery occurred outside the insured premises. The warranty covers i material damage and direct resulting from the theft of insured items (even if owned by third parties) on condition that the perpetrator of the robbery has entered the premises (containing the stolen objects) violating the external defenses; by way other than the ordinary one; otherwise and he remained secretly inside them to take away the stolen goods to closed rooms. In short, the guarantee is triggered only when the owner of the house has done everything possible to make his good inviolable. In fact, there are specifics exclusions from coverage, including: high-frequency and modest damage that can be eliminated with effective and active surveillance; damage occurred during some catastrophic natural events; damage facilitated by willful misconduct or gross negligence by the insured; indirect damages such as, for example, the hoped-for profits or the damages of non-enjoyment.
An optional additional guarantee is robbery or robbery outside the housesuffered by one of the members of the insured’s family unit. This coverage guarantees compensation for damage caused by loss or damage to insured items brought outside the home, including baggage.
Another optional guarantee is that relating to the theft of solar and / or photovoltaic panels which protects against damage to systems regularly installed at the service of the insured property. FromANIA remind that in the event of theft, the insured must inform the insurance company within 24 hours of becoming aware of the theft, specifying the circumstances of the event and the approximate amount of the damage; report the theft to the judicial authority indicating the name of the insurance company, specifying the agency and the policy number; provide the insurance company, within the next 3/5 days, with a detailed list of the stolen or damaged items, together with a copy of the report, provide proof of the right to compensation. In the event that the insured, after having received the indemnity, wishes to regain possession of the stolen goods found, he must reimburse the insurance company the sum received. Otherwise, the recovered things will remain the property of the insurance company.
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