Insurance for Travel Abroad

SG TAS takes care of its customers not only 24/7, but also in any corner of the world.

To do this, we have developed special programs for tourists traveling abroad, which will protect you in many ways during a trip abroad, as well as save the budget from unforeseen expenses.

You can issue and purchase a policy in 5 minutes directly on the website.

Why do you need insurance for traveling abroad (or vzk)?

Будь-яка поїздка в іншу країну (на роботу, для навчання або в подорож) – це не тільки приємна хвилююча подія, але й підвищений ризик проблем, а також стрес від необхідності їх вирішувати в незнайомих умовах.

A special insurance contract will help you get peace of mind and guarantees of help abroad. Buy insurance from SG TAS in advance and focus on the goals of the trip, and we will take care of the rest.

What is insurance for traveling abroad?

Programs for foreign trips cover three areas:

• Medical Insurance на час закордонної поїздки (including від нещасних випадків).
• Civil liability insurance during a trip abroad (except for car drivers).
• Insurance для тих, хто виїжджає в інші країни на своєму автомобілі. (Пропонується окремо та включає страховий захист авто та цивільно-правової відповідальності водія. Подробиці see in the section Car Insurance – програми “EuroCASCO 5 Зірок” та “Green card”).

Insurance protection of the life and health of outgoing tourists, as well as their civil liability during a trip abroad, is usually combined into programs that are simply called insurance abroad.

What do traditional foreign travel policies include?

Classic insurance for traveling abroad (vzk) mainly covers costs related to the provision of medical care and provides for the following insurance services:

• coverage of certain medical expenses (always);
• accident insurance (optional);
• informational and legal support (as a rule);
• compensation for communication costs with assisting partners abroad and the insurance company.

Extended programs at the request of tourists may include:

• property and civil liability insurance of the insured (except for car drivers);
• reimbursement of costs for replacement of documents lost due to illness;
• financial risk insurance against no-shows or flight delays;
• compensation for the cost of lost luggage and other options.

Is it necessary to buy an insurance policy during each trip?

In the case of long-term trips (for work or study), having a medical insurance contract is a mandatory condition for visiting all countries. Without such a contract, a work or study visa will not be issued.

You can not buy an insurance policy if the trip is not related to work or study, it is not long and the presence of travel insurance is not a mandatory condition for entering a specific country. At the same time, visa-free travel between countries does not mean that insurance is not needed, so it is necessary to specify its necessity in advance.

Why is it always better to insure for a trip abroad?

Insurance for traveling abroad is today the most common travel insurance contract not only in our country, but in Europe, Asia and other regions, because it is guaranteed multilateral support at a fairly cheap price.

An experienced tourist will never forget to buy insurance, because he knows that in any country, in case of unforeseen situations, a travel insurance contract is:

• confidence and calmness;
• guaranteed medical care;
• quality information and legal support;
• reliable financial protection.

Who needs insurance for trips abroad and when?

As a mandatory condition of travel, an insurance policy is required:

• to obtain a study visa for students who are going to study;
• to obtain a work visa for specialists who leave for work;
• tourists to obtain a tourist visa for entry to countries that do not have visa-free access to Ukraine;
• tourists to visit countries where the presence of medical insurance coverage is a necessary condition of stay (including for visa-free countries).

Така страхова угода також бажана кожному туристу – як гарантія отримання допомоги в непередбачених ситуаціях, незалежно від наявних фінансових можливостей. Such insurance protection is especially relevant for:

• travelers who go to countries with extreme climates and exotic cuisine;
• tourists planning active recreation or extreme sports;
• athletes who go to international sports competitions.

Taking out an insurance contract with additional options guarantees receiving the necessary assistance in case of injury or illness during sports competitions and will help to avoid unforeseen expenses related to other medical expenses.

What and how can you insure and what services can you arrange?

Страховка для поїздки за кордон "TAS-TRAVEL" від СГ ТАС представлена двома programми – "Light" і "Стандарт" – з набором послуг від мінімального до повного, тому підійде кожному і для різних cases

Договір «Light» включає:

• медичні витрати на “швидку” допомогу та невідкладне стаціонарне лікування;
• expenses for medical evacuation and repatriation of the insured;
• expenses for burial or cremation of the insured person's body abroad (in the host country);
• costs of communication with the insurer (related to the insured event).

Договори «Стандарт» включають усі опції програми «Light», а також:

• costs of outpatient treatment;
• limited expenses for:
• dental care;
• doctor's journey;
• travel of persons accompanying the victim;
• to restore documents lost due to illness.

За бажанням клієнта до договору «Стандарт» також можуть включати insurance:

• from accidents;
• legal responsibility abroad;
• property and liability to third parties in Ukraine (for the period of the trip).

На період пандемії COVID–19, кожний договір включає різноплановий ковідний захист у разі зараження цим вірусом. Конкретні умови та суми грошового покриття зазначені в індивідуальному contracts.

Calculate попередню ціну та дізнатися подробиці програм можна у наших консультантів онлайн.

Where and how does travel insurance work?

The insurance contract for a trip abroad will be valid only when purchased on the territory of Ukraine. It enters into force after the tourist has actually crossed the border.

Having an SG TAS travel insurance contract, you need to contact the assistant partners in the host country using the details specified in the contract within 24 hours of the occurrence of the insured event, provide the policy number, your data and explain what happened. Then follow the recommendations of the assistance representative.

You can also contact us 24/7 by phone or online.

After your return, contact the head office of SG TAS and provide the necessary documents to settle the payments:

• passport;
• identification code;
• insurance contract;
• statement about the occurrence of an insured event;
• extract from the medical institution where assistance was provided;
• receipts for payment of medical services.

How are expenses paid and what does the amount of payments depend on?

Expenses are paid directly to the medical organization or reimbursed to the insured person in case of self-payment of treatment.

The amount of payments depends on the received losses and the amount of the insurance limit.

There are exceptions and limitations under which insurance payments will not be made. Everything is explained in detail in a special section of the insurance contract.

What does the insurance limit depend on and how to choose the right conditions?

The limit of the insured amount depends on the direction of travel and per person for medical expenses is at least:

• 30,000 euros for European (EU) countries, according to the EU Visa Code;
• 50,000 dollars USA for USA, Australia, Japan, Canada and New Zealand.

An insurance contract with additional options will have higher limits, but will also cost more. When choosing conditions, you should pay attention to:

• the purpose of the trip;
• direction of travel;
• travel dates;
• special conditions

Travel insurance can be issued for a period of 4 to 90 days, and for a work or study visa, it can be ordered for 30, 90, 180 days and a year (for such periods work and study visas are issued).

You can order a policy for one or more people, for one or more trips (specify "multi-trip").

How much does a travel insurance policy cost and what does the price depend on?

Порівняно із загальними витратами на будь-який закордонний тревел, insurance для поїздки за кордон коштує зовсім недорого і її покупка завжди вигідна. Тому що отримані захист і допомога – очевидні та суттєві.

The average price of the policy is quite cheap (from 300 to 1000 UAH) and depends on the characteristics of the trip and the selected options:

• the purpose and duration of the trip;
• travel region;
• the nature of the trip (active tourism and extreme sports are more expensive);
• selected risks;
• insurance limit amount;
• the number of insured persons;
• age of the insured person (increased tariff for persons over 70 years of age);
• the presence of a franchise.

The cost of any policy can be pre-calculated on the website using an online calculator.

Order договір можна також на сайті онлайн. Натисніть кнопку “купити електронний поліс” та заповніть необхідні поля, вибираючи потрібні опції. Оформлення триватиме кілька хвилин.

Here you can pay for services online using a bank card, the contract will be sent electronically to the e-mail specified in the application.

Зробіть найкращий вибір – купіть онлайн поліс туристичного insurance у СГ ТАС. Решту для вашого спокою та захисту під час закордонної поїздки зробимо ми.

Туристична insurance онлайн – це повноцінний insurance contract європейського зразка, який:

• easy to calculate and simple to issue;
• has the same legal force as a paper one;
• it is not necessary to print and conveniently present directly from the smartphone.

If you need a contract with a wet seal, it can be ordered and received by mail to Kyiv or any populated place in the country.

Залишилися питання – запитуйте у наших консультантів онлайн або звертайтесь до будь-якого відділення СГ ТАС у Києві та інших містах.