Ranking of the best travel insurance for 2022

Summer is a hot time for travelers and vacationers. In anticipation of the holidays, people make travel routes, arm themselves with guidebooks, and prepare to meet new adventures. It is important not to forget to put one thing in your suitcase - insurance. After all, it is an integral part of any trip.

Why do you need insurance?

In another country, especially if the traveler does not know the local language, it is difficult to solve simple everyday problems. What can we say about emergency situations related to health. For example, appendicitis, an asthma attack, or an injury during an excursion. Finding professional help from a doctor can take a lot of time and money. Insurance, just, and helps in such situations.In this way, legal problems of civil liability, troubles with luggage and the transport company can be solved.

As a rule, it is issued by the tour operator along with the ticket. At the same time, clients do not particularly read the terms of the contract, which leads to difficulties in payments and refusals. Therefore, it is best to purchase a policy in specialized companies. Moreover, it is worth taking not the basic package, but the extended one, which covers the maximum number of insured events.

Criteria for choosing insurance

When choosing travel insurance, you need to pay attention to the following criteria:

1. No franchise. The most important nuance to which you need to pay attention. In simple words, a deductible is the release of an insurance company from payments within a certain amount that the traveler himself pays for treatment. For example, the policy has a deductible of $30. If you get sick on vacation and pay $29 for treatment, insurance will not cover these costs.
2. Insured events that the policy provides. An insured event is a situation in relation to which the insurance company is obliged to take certain actions (pay for a doctor's appointment, purchase of medicines, etc.). Each company has its own basic package of insured events. It is worth paying special attention to this list. Very often, the basic package does not include transport (moped, car), as well as various outdoor activities (diving, mountain hiking, sports, etc.). If such cases are planned on vacation, it is better to purchase them additionally in your policy.
3. The amount of insurance coverage is the financial framework within which the insurance company will accurately pay for the costs of treatment.If the amount for treatment is more than the specified limit, then everything in excess is paid from the traveler's personal pocket. Typically, the standard amount is $50,000 (may be less or more). If desired, it can be increased to any amount, even up to a million dollars or euros. Experts recommend choosing a policy with a coverage amount of at least $50,000. For example, the minimum cost of the simplest appendicitis surgery in a Beijing clinic is $17,000. Accordingly, the cost of more complex medical operations will be even higher.
4. Fame and experience of the company. These criteria reduce the likelihood of a company going out of business unexpectedly. As well as large companies that have been operating for a long time collect more feedback from customers.
5. High reliability rating. It is best to choose agencies from category A, not lower. These are organizations with high financial and credit capacity.
6. Good assistance company. At this point, you also need to pay close attention. The thing is that in the event of an insured event abroad, it will not be the insurance company itself that will help, but the assistant company. This is a company that is an intermediary between the insurance and medical institutions. The main task of the intermediary is to organize the full and timely assistance of a doctor or lawyer abroad.

Summing up, we can say that the speed and quality of medical care depends on correctly selected insurance conditions, the quality of service of the insurance and assisting companies.

Ranking of the best travel insurance for 2022

VTB insurance

VTB Insurance was established in 2000. Now it provides a wide range of services efficiently and quickly.The main direction is the insurance of enterprises and citizens of the Russian Federation by qualified specialists.

VTB Insurance insures persons traveling abroad.

Franchise: none.

Programs: the standard medical policy guarantees payment for expensive treatment, hospital stay and specialized home delivery if necessary. You can add different options to it. The "Sport" option is suitable for lovers of outdoor activities and sports at an amateur level. Bicycle, moped and jet ski rides are included in the basic package. The “Civil Liability” option will be needed to rent expensive equipment that can harm another person or his property. This is especially true for ski resorts. Includes consultations of Russian-speaking lawyers who specialize in the laws of the host country.

Reliability rating: ruAAA.

Assistance company: Global Voyager Assistance (GVA).

• high level of responsibility and customer care;
• ease of design. There is an online version;
• a wide range of additional options.

• no.

Ingosstrakh

This is the largest insurance company in Russia from the category of backbone Russian insurance companies. Stable holding in the top ten insurers of the Russian Federation. Very popular in the media. It ranks first among the insurers that are most often mentioned in the press. He is active in sponsorship and charitable activities. Particular attention is paid to sports and cultural projects.

Franchise: Yes.

Programs: it is possible to insure medical expenses abroad, accidents, luggage, sports risks and civil liability. A standard medical policy allows you to change the terms of validity and insured events.There are policies for active and relaxing holidays, for children and pregnant women. There is a separate option for traveling in Russia.

Reliability rating: ruAAA.

Assistance company: Smile assistance.

• a large list of insured events;
• individual approach to each traveler;
• You can apply for a policy remotely.

• having a franchise.

Tinkoff Insurance

Insures any type of recreation: active and calm. You can issue a policy for children separately or add them to the parent. Tinkoff Insurance guarantees medical assistance seven days a week, twenty-four hours a day. Whenever possible, clients are always referred to the best medical institutions. Managers are always in touch in messengers and on the phone.

The insurance policy is suitable for Schengen and other visas. Expenses are reimbursed within three working days. You can get a policy without leaving your home or office. To do this, just fill out an electronic form on the Tinkoff website.

Franchise: none.

Programs: There are no hidden restrictions and limits on dental and other medical services. The "Quiet rest" option covers all insured events related to medical and medico-transport expenses. However, this does not include sports events. The Active Rest option is an extended version of the Restful Rest option. This includes insured events resulting from running, water activities, ball games, etc. This package does not cover official sporting events and competitions. For practicing dangerous sports, the option "Dangerous sports" is provided.

Reliability rating: ruAAA.

Assistance company: Europ assistance.

• fast work of employees;
• the possibility of communication through instant messengers;
• convenient and simple system of registration and payment.

• no.

Renaissance Insurance

Offers insurance with a different amount of coverage, from 30 to 100 thousand dollars. All policy options include basic services: emergency assistance from a specialized doctor and dentist, medicines, use of medical equipment, transportation of the injured or remains, aftercare. The trip abroad additionally includes the evacuation of children, the treatment of exacerbations of chronic diseases and the return home.

Franchise: Yes.

Programs: standard insurance does not cover an active lifestyle at sea or in winter resorts. For these cases, an additional option "Active rest" is offered. Also, during the trip, you can take out insurance for the apartment for the duration of the trip, against accidents and civil liability.

Reliability rating: ruA.

Assistance company: Global Voyager Assistance (GVA).

• fast and quality service;
• reliable intermediary company;
• a wide range of services;
• the ability to calculate the cost of the policy on the site;
• the company is well known in the Schengen countries.

• do not notify customers about the presence of a deductible of $ 50;
• do not work on messengers, only on the phone.

Absolute

A universal insurance agent that has been operating since 1992.

In addition to compensation for medical care costs, it covers legal assistance, civil liability against third parties, and helps with the loss of documents. The principles of openness, maximum attention and individual approach to each client are the basis of the work of "Absolute". The company's goals: to provide a high level of comfort to customers, from service to the full fulfillment of their obligations.Absolut's clients are not only individuals, but also enterprises of various forms of ownership and fields of activity. This is the first company in Russia to start insuring luxury housing and hospitality industry facilities.

The motto of "Absolute Insurance" is to be useful and the best for customers, unquestioningly fulfilling their obligations.

Franchise: no such information is publicly available.

Programs: there is insurance for those traveling abroad and for those traveling in Russia. "Absolute" offers standard packages with some options for outdoor activities.

Reliability rating: ruA+.

Assistance company: Allianz Global Assistance.

• inexpensive cost of standard policies;
• the ability to contact via Viber or WhatsApp;
• a standard package that is suitable for most tourists who prefer a relaxing holiday.

• long waits for medical assistance;
• mixed reviews on the Internet.

AlphaInsurance

A private insurance company providing a comprehensive range of insurance services for both businesses and individuals. Alfa Insurance offers more than two hundred insurance programs.

Franchise: no.

Programs: the AlfaTravel program is designed specifically for avid travelers and business people. Depending on the duration of the trip, insurance risks and the country, varieties of the AlfaTravel program are offered. "Minimum" is suitable for trips to the near abroad: CIS countries, Georgia, Mongolia, Abkhazia, South Ossetia. Covers medical transportation and repatriation in case of death. "Economy" - suitable for people who often travel abroad, especially to the countries of the Schengen Union.To the insurance risks of the "Minimum" program, additional options are added to pay for the costs of medical care, emergency dental treatment, emergency messages and evacuation. The Classic program has added emergency travel expenses, help with lost documents, and legal assistance.

Offers the AlfaTravel Auto program, which is designed for people traveling by car.

Reliability rating: ruAA+.

Assistance-company: Class-assist.

• a large selection of programs for travelers;
• fast on-line registration;
• individual approach to clients.

• hide some nuances of the contract;
• long wait for medical attention.

AK Bars

The limited liability company began operating in 2006 in the Republic of Tatarstan. It has a large branch network in all administrative regions of Tatarstan, as well as in the Russian Federation. Performs classic types of comprehensive insurance.

Franchise: not provided.

Programs: Offers the Pilgrim Program, which covers medical and medical travel expenses, including emergency dental care. Optionally, additional risks associated with trip cancellation, flight delay or cancellation, baggage, information and legal services, loss of documents, accidents and civil liability can be added to the basic program. The insurance contract may provide for sports at the amateur level.

Reliability rating: not in the Expert rating.

Assistance company:

• registration of the policy on-line;
• the possibility of choosing additional insured events.

• many negative reviews related to the service and competence of employees.

Tripinsurance

Specializes in travel insurance. They have been operating since March 2012. The first in Russia to offer independent online insurance for people who travel without a travel agency. does not compromise in the choice between cost and quality of service. The main principle is a policy with the maximum content and limit of insurance coverage in tandem with an excellent assistance company. Tripinsurance

Franchise: Yes.

Basic insurance policy programs provide for some activities: cycling, descending into a cave, tennis, golf, badminton, etc. You can add the items "Active recreation", "Amateur sports" and "Dangerous work".

Reliability rating: not in the Expert rating.

Assistance company: Tripinsurance Assistance.

• quality and prompt assistance;
• simple online registration;
• attentive staff;
• many positive reviews.

• not in the reliability rating;
• not long enough in the insurance market.

Health insurance will help you enjoy your vacation to the fullest. The insurance company will help you call an ambulance or help you find a medical facility to get help. All conversations usually take place with a Russian-speaking tour operator. And in the event of an emergency or illness, he organizes the required assistance. Therefore, you should not save on insurance when going on vacation.