Travel insurance abroad is one of the most important documents that travelers must take care of.
Travel insurance, according to the Article 9 of the Law of Ukraine "On the order of leaving Ukraine and entering Ukraine of the citizens of Ukraine" is mandatory for Ukrainians. And also very often there is mandatory at entry to foreign countries, in particular insurance require from COVID-19 many states demand at the airport.
Note! Travel insurance abroad is valid for registration AFTER crossing the border. Therefore, travel insurance can be issued to citizens of Ukraine or foreigners who are already abroad and who need to renew a policy that has already expired. If a tourist takes out insurance while abroad, a deductible is established: for multiple trips - 7 days, for one-time trips - 3 days.
If you arrange a holiday yourself, booking a hotel, transfers and flights, make sure to buy travel insurance in advance for the duration of your trip. On the website of the ic-misto.com.ua, you can take out travel insurance in just a few minutes, even while already at the airport.
How to buy travel insurance in Europe and in CIS?
- 1. In the calculator, choose the area of the trip - "Europe." This includes not only the EU countries, but also the CIS countries, as well as - Turkey and Egypt. The full list of states included in this zone can be found on this page of our website.
- 2. Choose a "One-time" trip or "Multiple", set the date of departure and return, as well as the length of stay and the validation of the contract for multiple trips.
- 3. Include the insurance amount for medical expenses and an accident. For the EU/CIS zone, as well as for Turkey and Egypt, the amount of coverage of EUR 30,000 is sufficient. See the full list of recommended amounts on our website, "Recommended insurance coverage in all countries of the world".
- 4. Specify the number of tourists, their age, and choose the purpose of travel.
- 5. Check the box "Add COVID-19 insurance" if you want to insure yourself online against the disease abroad. In addition, today many countries around the world check all guests at the airport to have COVID-19 insurance and PCR test. You can read the rules of Ukrainians' departure to European countries in our article on the website.
- 6. Click "Count". Next, the site will offer 3 insurance programs online, under the one of which click the orange button "Buy" and move to the registration of electronic travel insurance contract.
- 7. It only takes a few minutes to buy travel insurance online. The electronic policy will be delivered to the appointed e-mail at the registration and will appear in the personal room on the site, after online payment by bank card. Next, you need to print it out or upload it to your phone/laptop/other device.
Is travel insurance suitable for the foreigners?
You can buy a travel policy for a foreign citizen online on our website. The registration is possibly provided that the foreigner will leave/fly to another country from Ukraine. Only in this case, travel insurance will work outside our state. To buy a travel policy online for a non-resident country, select in the calculator in the option "Who needs to be insured?" item "Foreigner(s)" and fill all other gaps. When you apply for an insurance contract, enter all foreigner's data in accordance with his passport at the 2nd step.
How to get travel insurance correctly if I plan to visit EU countries several times?
You can choose in the calculator option "Multiple" trip to travel from Ukraine to Europe (or CIS, Turkey, Egypt) for a long period. Choose the number of days of insurance protection (from 30 to 365) and the expiration date of the contract (from 90 to 365 days) and use the same travel insurance several times during its validity.
Does the tourist insurance of "Misto" cover COVID-19 treatment abroad?
Yes, travel insurance covers hospital and ambulatory treatment of COVID-19 abroad, as well as other diseases and accidents. In order to be insured for additional coronavirus disease outside Ukraine, it is necessary to add this option in the calculator on the site. Mark the tick "Add COVID-19 insurance" when issued.
Can I get travel insurance to go abroad, already outside Ukraine?
Yes, travel insurance can currently be issued BEFORE crossing the border, as well as AFTER, while staying outside our country. When taking out travel insurance while already in another country, a temporary deductible will be established:
- for multiple trips - 7 days;
- for one-time trips - 3 days.
That is, the responsibility of IC "Misto" will begin on the 8th day after the start of the contract. There is no temporary franchise when taking out insurance before going abroad.
Is the e-travel insurance policy suitable for crossing the border?
Yes, the electronic insurance contract of travelers abroad has the same legal force as the paper version. The electronic contract is issued in accordance with Ukrainian law, and has the signature and the seal of the insurance company, as well as your electronic signature - a one-time ID, which is sent at registration to a mobile phone number.
How much can be insured, and what is the price of online travel insurance?
Amount of insurance coverage for medical expenses: 30,000 – 75,000 EUR.
The price of travel insurance to Europe, CIS, Turkey and Egypt - at least 72 UAH for 1 day (relaxation) with insurance amount of coverage - 30,000 EUR.
What is the expiration date of the insurance contract in Europe and in CIS?
The minimum insurance period is 1 day for a one-time trip and 30 days for a multiple one. You choose the date of departure and of return in the calculator yourself.
For what age can a travel policy be issued?
For ages 0 to 75.
What is the territory of the insurance contract?
Europe, CIS, Turkey and Egypt (except Ukraine and the country of permanent residence of the Insured Person).
How to pay for travel insurance online?
After the contract is issued, the site automatically transfers to the payment system for payment by bank card online. Travel insurance is paid for by any Visa or Mastercard and is sent automatically after payment to the e-mail and to the personal room on the site. It's simple and fast!
If you can’t make a payment, check the correct entry of all card data and the presence of message banking to confirm the transaction on the Internet. And specify the limits on your card for online shopping.
You can call the hotline at 0-800-211-118. We will quickly help to find out the reason for the rejection of the payment and help to buy travel insurance.
What should you pay attention to when applying for travel insurance?
Often, this mandatory document is included in package tours. Therefore, before leaving, we recommend reading its terms and conditions. Mainly, it is basic and may not cover additional risks.
If you plan to spend your holidays actively, for example, skiing, sleighing, skating, riding motorcycles, water-skiing, diving, taking part in amateur sports, riding animals or engaging in other activities, this must be taken into account in your insurance policy. Then, in an insurance case, the document will work, and the insurance company will compensate all the expenses.
Therefore, to properly issue and buy travel insurance online, in the calculator in the gap "Purpose of the trip" choose the appropriate purpose of your trip. To better understand what your goal is, check out all the additional coverage in the Comprehensive Voluntary Insurance Agreement while traveling abroad.
Tourist insurance IC "Misto" will provide your confidence abroad. And an unexpected injury or illness will not spoil the leisure. For more advice and help - send your questions in the form of feedback on our website and write to messengers. We will quickly contact you to help and buy travel insurance online.
List of countries included in the "Europe" and "Worldwide" territories and recommended coverage amounts for medical expenses
Recommended coverage amounts for medical expenses for the "Europe" territory:
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Possible changes in accordance with the requirements of the embassy or consulates.
Which countries are included in the "Worldwide" territory list?
All other states are not included in the territory of "Europe". If you're traveling to other countries - select the territory "The Whole World" in the calculator.
Travel insurance programs for travelers to Europe, CIS, Turkey and Egypt
|
INSURANCE PROGRAMS |
«SILVER» |
«GOLD» |
«PLATINUM» |
|
|
Voluntary health insurance |
Limit of liability, % |
|||
|
Medical services, including: |
||||
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
100 EUR/USD |
150 EUR/USD |
200 EUR/USD |
|
until | 5 000 EUR/USD | 10 000 EUR/USD | |
|
until | 1 000 EUR/USD | 3 000 EUR/USD | 15 000 EUR/USD |
|
Transportation services, including: |
||||
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
50% |
70% |
100% |
|
until |
5 000 EUR/USD |
5 000 EUR/USD |
5 000 EUR/USD |
|
until |
1 000 EUR/USD |
1 000 EUR/USD |
1 500 EUR/USD |
|
Insurance against financial risks, including: |
|
|
|
|
|
Services related to theft or loss of documents |
until |
|
|
100 EUR/USD |
|
Evacuation of children under 14 years old |
until |
|
|
10 000 EUR/USD |
|
Hotel accommodation expenses |
until |
|
300 EUR/USD |
500 EUR/USD |
|
Telecommunication services: expenses for notifying the Assistance about an insurance event |
until |
20 EUR/USD |
20 EUR/USD |
50 EUR/USD |
To conclude a voluntary insurance contract while traveling abroad necessary the following documents:
- foreign passport of a citizen of Ukraine or a foreigner;
- identification code or ID card.
To receive payment in case of an insured event during your stay in Europe, CIS, Turkey and Egypt, you must follow the next recommendations:
- Contact the Assisting Company "SOS Service Ukraine" on the contacts specified in the insurance contract, TO directly apply for medical care, as "SOS Service Ukraine" promptly organizes the provision of medical care abroad.
- Within 24 hours to notify about the occurrence of the insured event of Misto Insurance Company in all possible ways, in the absence of the possibility to contact the Call-center "SOS Service Ukraine" abroad.
- In case of self-payment for treatment, it is necessary to apply to the Misto Insurance Company with documentary proof of all costs after return for compensation.
| Assisting company abroad: | «SOS Service Ukraine» |
|
Contacts «SOS Service Ukraine» 24/7: |
Tel.:+38 (044) 500 16 91 |
| Contacts IC «Misto»: |
Tel.: 0 800 211 118 |
| Information when contacting the Call Center: |
Name of the insured person In the case of an insured event - BEFORE seeking medical help, or within 24 hours, if there are objective reasons. To receive an insurance payment in case of self-payment for treatment - within 30 days after returning to Ukraine. |
| Insurance payments: |
The decision on insurance payment or refusal is made within 15 working days from the date of receipt of all necessary documents. |
IMPORTANTLY: it is necessary to clearly follow the recommendations of doctors and service specialists.
IMPORTANTLY: if you have not applied to the Call-center of Misto Insurance Company, the insurance company has the right to refuse payment.
Types of insurance indemnity in the event of an insured event:
• Service payment - is made directly to the medical institution.
• Compulsory - the client pays for the treatment himself, and the costs are compensated by the insurance company after his return to Ukraine, he needs to provide all supporting documents.
