With the start of summer, many are planning vacations abroad. Among the preparations, it is important to remember the need for appropriate travel insurance.
We spoke with Boaz Katzir, a travel insurance expert on the 'Insurance Market' website, a website that specializes in comparing travel insurance that has compared travel insurance over 700,000 times, about what insurance he purchases for himself and what travel insurance he recommends to his clients.
Boaz, what kind of travel insurance do you purchase for yourself?
""As a frequent traveler, I usually choose Menora's toptravel policy or Harel's 'First Class Passport.' Both companies offer comprehensive coverage for medical expenses, including medical flights to Israel, baggage coverage, and additional emergency services.".
In addition, various extensions can be added such as extreme sports, trip cancellation and shortening, and worsening of a previous medical condition, which allows me to tailor the policy to my personal needs."
What are your recommendations for clients when choosing travel insurance?
""I recommend that customers choose a policy from one of the leading insurance companies in Israel, and of course it is better to have an agent on the policy who can explain the coverages, how to file a claim for reimbursements, and what to do in emergencies. I recommend checking the limits of liability for an existing medical condition, the amount of the deductible, and possible extensions. In addition, you should make sure before the flight how to contact emergency centers and keep your insurance agent's phone number so that you can get help at any time and anywhere in the world."
What are the differences between insurance companies?
Harel, for example, excels in the level of service and the innovations they constantly make in the digital services they provide, such as the Harel Overseas app and AIRDOCTOR, which allows you to locate doctors abroad and make an appointment without paying. The payment is transferred directly to the doctor. The price starts at $2 per day for travelers up to the age of 60, with comprehensive coverage. Other companies, for example, can offer particularly lucrative offers such as special discounts for insurance market policyholders who close directly on the Migdal and Menora sites. There is also Passport Card, a company dedicated to travel insurance that excels in the level of service and fast payment of claims. Each company has different advantages that are reflected very quickly in a quick comparison. In the insurance market, you can also read customer reviews and ratings and find Which travel insurance is most recommended? For you."
What is the rating of Harel or Passport Card on the 'Insurance Market' website?
""On the website" 'Insurance market', Harel and Passport Card received the highest rating from policyholders of 4.3-4.4 stars out of 5 in international travel insurance, according to three criteria: level of service, speed of claims processing, and cost versus value. Many customers cite professional service and speed of claims processing as key factors in their choice of international travel insurance.
In conclusion, what are your tips for travelers planning a vacation abroad?
""First, don't skip travel insurance - it's a must-have for every trip. Second, compare the insurance market and choose a policy that suits your needs, with relevant coverage and extensions. You don't have to buy all the coverages available. Make sure you know how to contact an insurance company if necessary so that you don't start getting frustrated abroad. Many of our customers who buy online don't know which company they're insured with or how to communicate with the insurance company in the event of an emergency. Therefore, I always recommend saving your insurance agent's details in your contacts under the name "Katzir Boaz Travel Insurance" for example, so that in the event of an emergency you can find him quickly.".
Katzir emphasizes the importance of being accompanied by an expert agent: "An expert travel insurance agent can tailor the policy to the insured's personal needs, explain the terms of the policy, and ensure appropriate coverage. In the event of a claim, the agent assists in the process and ensures that the insured receives what he or she deserves. Being accompanied by an agent does not cost an additional fee, and it would be a shame to give it up because it is what can make the small difference that is so big in the event of a claim or emergency abroad.".
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