To help you enjoy a smooth journey, we recommend purchasing travel insurance through Bromar. This insurance protects you from unexpected health issues as well as unforeseen expenses. When traveling internationally from Montenegro, it is wise to compare travel insurance options from various insurance companies to ensure your trip is safe and secure.
Why purchase travel insurance?
Travel is a time to relax and create lasting memories, but unexpected events can also arise during the journey, such as illness, lost luggage, medical emergencies, and similar challenges. Travel insurance provides financial protection against these and other potential risks. For more information on the coverage provided, please visit our blog: “What coverage do I have with travel insurance?”.
Travel insurance plays a crucial role in ensuring safe and smooth travel. Before your trip, Bromar recommends researching various insurance plans and selecting the one that best fits your needs. To quickly obtain quotes from all insurance companies and choose the ideal policy for your journey, please complete our questionnaire or call us at 067 624 703.
Here are some main reasons why travel insurance is important:
- Medical coverage: It reimburses medical expenses for illness or injury covered by the selected package and policy terms, enabling you to receive necessary treatment without concerns about high healthcare costs abroad.
- Luggage protection: Losing or damaging your luggage can cause stress. Travel insurance assists in compensating for losses or covering essential purchases if your luggage is lost or damaged.
- Emergency assistance: In case of emergencies such as accidents or natural disasters, travel insurance provides support based on the coverage package you have selected.
- Trip cancellation coverage: If your flight is canceled for a valid reason, travel insurance can reimburse you for airline tickets, accommodation, and other non-refundable costs.
- COVID-19 coverage: Post-pandemic, COVID protection is vital. Coverage differs among insurance companies but generally includes medical examinations by an authorized physician and necessary testing if symptoms develop, medication costs for confirmed infections and hospital care. Preventive testing and quarantine expenses are typically not covered.
How to Choose the Right Travel Insurance
When choosing travel insurance, it is important to consider several crucial factors:
- Quality of coverage: Carefully assess the risks covered by the insurance policy. Pay particular attention to medical coverage, lost luggage protection, third party liability, and any other risks relevant to your requirements.
- Costs: Compare the costs (premiums) of travel insurance options and select the insurance company whose proposal best suits your needs and budget.
- Policy terms: Thoroughly review the insurance terms, paying close attention to any exclusions and limitations that are relevant to the policy. This will ensure you fully understand what is covered by the insurance.
Everything You Should Know About Travel Insurance Policy:
It is important to understand that a good travel insurance policy can significantly reduce the impact of unexpected events during your trip.
Please note that the travel insurance policy must be purchased before you begin your journey abroad,that is, before leaving Montenegro. Otherwise, the insurance policy will be invalid. The coverage ends once you enter the territory of Montenegro.
The territorial scope of coverage is outlined in the policy and may include worldwide protection, with the exception of Montenegro.
The policy can be issued to a Montenegrin or foreign national who has permanent residence or temporary stay permit in Montenegro.
The price of the policy varies depending on the destination, the traveler’s age, the duration of the trip, the type of travel, COVID coverage, and other relevant factors.
Complete your travel health insurance questionnaire online at bromar.me, eliminating the need for an office visit and simplifying the process of obtaining your policy.
