Peace of mind for any vacation… big or small
Wherever you’re headed, go with absolute peace of mind, with VING.
Travel Insurance could cover anything from lost luggage to emergency medical care. It will even reimburse you if (unfortunately) your plans get cancelled—with coverage that’s normally called trip cancellation insurance.
Different Insurers offer different levels and benefits. You are normally allowed to select between different levels of protection. Simply let us choose the perfect travel insurance plan for you. Travel insurance policies normally cover:
Cancellation and Curtailment
There are so many reasons why a planned trip may have to be cancelled or delayed. This normally happens due to entirely unforeseen circumstances and sometimes it might also be caused by one of the firms involved in your travel plans. Different policies will offer different levels of cover under this section. Taking out insurance against these eventualities is always wise as you could gain compensation for a trip that had to be missed or cut short.
Medical and emergency travel expenses
Medical cover is possibly the most important element of any travel insurance policy. A large number of aspects are covered under the term “medical and emergency travel expenses” in your policy. Some of these include:
Emergency medical treatment or surgery
Medical transport to the nearest suitable hospital abroad, when deemed necessary
Extra accommodation and travel expenses for someone to stay with you and accompany you on the journey home, if this is recommended by medical advice
Extra expenses for someone to travel from Malta to stay and return home with you, if this is deemed absolutely necessary under medical advice
Personal accident benefits in the event of death or disability
Anyone might be unfortunate to suffer accidental bodily injury during a trip, which could result in a disablement or death. In such cases, most insurance policies will pay lump sum payments, which vary according to the nature of the case.
Loss of or damage to luggage
With more and more people travelling every year, it is hardly surprising that baggage gets delayed or goes missing in transit and is never recovered. Your luggage might also get damaged or completely destroyed.
This is why it is so vital to have the right insurance policy covering your luggage and personal possessions in it, thus giving you piece of mind if you are parted from your belongings.
Loss of Money and/or Passport
You would normally be covered for any theft or loss of money up to a specified limit as well as possible unauthorised access or withdrawal of money from debit/credit card following theft. This section of cover would also normally cover you if the passport is lost or stolen outside Malta.
It is always recommended that you carry only a small amount of cash at all times to minimise your risk.
In the case that during the outward or inward trip, your travelling is delayed because of industrial action, mechanical breakdown or adverse weather, you would get compensated by means of specific limits. These limits will vary dependent on the different levels of cover available.
In the event that your baggage is temporarily lost in transit on your outward journey and not returned within a specific time frame (say 24 hours), you would normally get reimbursed for the emergency purchase of vital replacement items, up to specified limits.
Third Party liability
Most insurance policies may pay you up to a specific limit if you are found to be legally liable for accidental loss or damage of someone else’s property or accidental harm to another person. There might be exclusions under this section such as the harmed person being a family member or your employee. Always make sure to check all the information on what you will be covered.
All you need to know
Switch with VING
Most people always have doubts as to whether they are getting the right insurance cover or paying the right premium. The process of obtaining various quotations from different insurance companies in order to compare the different aspects of cover as well as premium might be too complex or time consuming, so they end up never making the switch.
This is where VING comes in – we are Insurance Brokers, and that is our job. We will obtain various quotes from different Insurers, analyse them and advise you on the various aspects of cover and premium. You will not incur any additional costs at all by using our services. We get paid by means of commissions payable by insurance companies or agencies we place business with.
When to switch
Customers normally think about switching insurance companies when their policies are up for renewal.
We advise you otherwise – you don’t have to wait – Switch to VING today.
All you have to do is appoint us as your Insurance Brokers – we will take over all your current insurance policies as well as assist you with any active claims you might have. Once your policies are up for renewal, we will obtain other quotations on your behalf and get you the best possible cover at the most competitive rates.