To make your journey worry-free, we recommend purchasing travel insurance from Bromar. Travel insurance provides protection in case unexpected situations threaten your health, as well as protection against unplanned expenses. When traveling abroad from Montenegro, it is wise to consider offers from insurance companies to ensure that your journey is carefree and safe.
Why buy travel insurance?
The personification of travel is relaxation, bringing a lot of memories, but unexpected events such as illnesses, loss of luggage, emergency medical interventions, and similar, can occur during travel. Travel insurance provides financial protection in case of these and other risks. You can see the risks covered by insurance companies in our blog:“What am I insured against when I have travel insurance?”.
Travel insurance is a crucial part of a safe and worry-free journey. Before you embark on your trip, Bromar recommends exploring different options for travel insurance and choosing the one that best suits your needs. To easily get quotes from all insurance companies and choose the best policy for your trip, fill out the questionnaire or call us at 067 624 703.
It is important to highlight several reasons why travel insurance is essential:
- Medical protection: Travel insurance covers medical expenses in the event of illnesses or injuries specified in the package and policy terms. Insurance can help you receive necessary medical care without worrying about high treatment costs abroad.
- Baggage loss insurance: Lost or damaged luggage can be a source of stress during a trip. Travel insurance helps compensate for losses or purchase necessary items in case your luggage is lost or damaged.
- Emergency assistance: In case of emergencies, such as accidents or natural disasters, travel insurance provides support and assistance according to the chosen insurance package.
- Trip cancellation insurance: If your flight is canceled for a justified reason, travel insurance can help you recover costs for plane tickets, accommodation, and other non-refundable expenses.
- COVID coverage: After the COVID-19 pandemic, it is crucial to have coverage for this risk. Travel insurance with included COVID coverage may vary among insurance companies, but most cover necessary medical examinations by an authorized doctor, medically justified testing in case of symptoms, purchase of medicines in case of confirmed infection, and hospital treatment. The policy does not cover: the costs of preventive testing for the coronavirus and the costs of staying in quarantine.
How to choose the right travel insurance?
When choosing travel insurance, it is important to consider several key factors:
- Quality of the offer: Check which types of risks the insurance covers. Pay attention to medical coverage, baggage loss insurance, third-party liability, and other included risks that are important to you.
- Costs: Compare the prices (premiums) of travel insurance offers and choose the insurance company whose offer best suits your needs and budget.
- Insurance conditions: Carefully read the insurance conditions, especially exclusions and limitations that are important for the policy. This will help you better understand what is covered by the insurance.
Everything you need to know about a travel insurance policy:
It is important to keep in mind that a good travel insurance policy can mitigate the impact of unforeseen situations on the course of your vacation.
Also, note that a travel insurance policymust be concluded before the start of the journey abroad, i.e., before leaving the territory of Montenegro. Otherwise, the insurance policy is considered invalid. The policy ceases to be valid when you enter the territory of Montenegro.
Territorial coverage is defined by the policy and may cover the entire world, except the territory of Montenegro.
The policy can be obtained by a person who is a domestic or foreign citizen, provided they have a residence permit or temporary residence permit in Montenegro.
The policy price depends on the destination, the person’s age, the travel period, the type of travel, COVID coverage, and such.
On the bromar.me website, you can now fill out a questionnaire for travel health insurance without going to a branch, making it easier to secure a policy.
