{"id":111453,"date":"2023-03-14T09:41:18","date_gmt":"2023-03-14T13:41:18","guid":{"rendered":"https:\/\/blog.sitata.com\/?page_id=111453"},"modified":"2023-05-23T19:44:42","modified_gmt":"2023-05-23T23:44:42","slug":"how-does-travel-insurance-work","status":"publish","type":"page","link":"https:\/\/www.sitata.com\/es\/como-funcionan-los-seguros-de-viaje\/","title":{"rendered":"\u00bfC\u00f3mo funciona el seguro de viaje?"},"content":{"rendered":"[et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" use_background_color_gradient=\"on\" background_color_gradient_stops=\"#26343e 56%|#ffffff 100%\" background_image=\"https:\/\/www.sitata.com\/wp-content\/uploads\/2023\/03\/charlotte-noelle-98WPMlTl5xo-unsplash.jpg\" background_blend=\"screen\" min_height=\"400px\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFF\" header_font_size=\"2rem\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|false|false\" custom_padding=\"20px|20px|0px|20px|false|false\" global_colors_info=\"{}\"]

ACADEMIA DE SEGUROS SITATA<\/h1>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFF\" header_font_size=\"3rem\" header_line_height=\"1.2em\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|false|false\" custom_padding=\"10px|20px|20px|20px|false|false\" header_text_shadow_style=\"preset2\u2033 global_colors_info=\"{}\"]

\u00bfC\u00d3MO \u00bfFUNCIONA EL SEGURO DE VIAJE?<\/span><\/h1>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" column_structure=\"2_5,3_5\u2033][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"2_5\u2033][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/beach-fantasy.png\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" title_text=\"playa-fantas\u00eda\" hover_enabled=\"0\u2033 sticky_enabled=\"0\u2033][\/et_pb_image][\/et_pb_column][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"3_5\u2033][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font=\"|300|||||||\" header_font=\"|300|||||||\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

El seguro de viaje es un aspecto importante de cualquier viaje, ya sea nacional o internacional. Puede proporcionar protecci\u00f3n financiera contra imprevistos como cancelaciones de vuelos, p\u00e9rdida de equipaje o gastos m\u00e9dicos inesperados. En este art\u00edculo le explicamos c\u00f3mo funciona un seguro de viaje.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Paso 1: Elegir la p\u00f3liza adecuada<\/h3>\n

Existen muchos tipos de p\u00f3lizas de seguro de viaje, y es importante elegir la que mejor se adapte a sus necesidades. Algunas p\u00f3lizas s\u00f3lo cubren urgencias m\u00e9dicas, mientras que otras pueden ofrecer cobertura para cancelaciones de viaje, p\u00e9rdida o robo de equipaje, etc. Antes de elegir una p\u00f3liza, aseg\u00farese de leer la letra peque\u00f1a y comprender qu\u00e9 est\u00e1 cubierto y qu\u00e9 no.<\/p>\n

Paso 2: Adquirir la p\u00f3liza<\/h3>\n

Una vez elegida una p\u00f3liza que se ajuste a sus necesidades, es hora de contratarla. A menudo, puede comprar el seguro de viaje directamente a la compa\u00f1\u00eda a\u00e9rea, la l\u00ednea de cruceros o la agencia de viajes que utilice, o puede adquirirlo directamente a un proveedor de seguros. Algunas tarjetas de cr\u00e9dito tambi\u00e9n ofrecen un seguro de viaje como beneficio, as\u00ed que aseg\u00farese de comprobar si su tarjeta incluye esta cobertura.<\/p>\n

Paso 3: Comprender la cobertura<\/h3>\n

Es importante saber qu\u00e9 cubre su p\u00f3liza antes de emprender el viaje. Esto puede incluir la cantidad de cobertura que tiene para gastos m\u00e9dicos, la franquicia que tendr\u00e1 que pagar y la cantidad m\u00e1xima que pagar\u00e1 la p\u00f3liza. Tambi\u00e9n debe conocer las exclusiones o limitaciones de la p\u00f3liza, como la cobertura de enfermedades preexistentes o deportes de aventura.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_2,1_2\u2033 admin_label=\"callout\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"25px|25px|25px|25px|false|false\" border_radii=\"on|15px|15px|15px|15px\" border_width_all=\"2px\" border_color_all=\"#E1B876\u2033 global_module=\"112363\u2033 saved_tabs=\"all\" global_colors_info=\"{}\" locked=\"off\"][et_pb_column type=\"1_2\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/02\/excited-airport.png\" alt=\"imagen de cabecera de viajeros emocionados en el aeropuerto para viajar sin preocupaciones con el seguro de viaje\" title_text=\"excited-airport\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_2\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\u201ddefault\u201d global_colors_info=\u201d{}\u201d][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 global_colors_info=\u201d{}\u201d]

\u00bfPreparado?<\/h1>\n

Hora de Proteja su viaje<\/span><\/strong><\/h1>[\/et_pb_text][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font_size=\u201d1.5rem\u201d global_colors_info=\u201d{}\u201d]

El seguro de viaje de Sitata es mucho m\u00e1s. Asistencia 24 horas al d\u00eda, 7 d\u00edas a la semana, 365 d\u00edas al a\u00f1o a trav\u00e9s de chat, notificaciones de incidencias y seguridad en tiempo real, seguimiento de vuelos, telemedicina, pagos r\u00e1pidos de siniestros digitales... y la lista contin\u00faa... todo para que puedas viajar sin preocupaciones. \u00bfA qu\u00e9 espera?<\/p>[\/et_pb_text][et_pb_button button_url=\"https:\/\/www.sitata.com\/for-your-trip\" button_text=\"Consultar precios\" _builder_version=\"4.20.2\u2033 _module_preset=\u201d01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 global_colors_info=\u201d{}\u201d][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u201d4.20.2\u2033 _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"4_4\u2033][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\u201d40b587d8-3a29-4472-9390-93da297e869e\u201d hover_enabled=\u201d0\u2033 global_colors_info=\u201d{}\u201d sticky_enabled=\u201d0\u2033]

Paso 4: Presentar una solicitud<\/h3>\n

Si durante el viaje se produce un suceso cubierto, como una urgencia m\u00e9dica o la p\u00e9rdida de equipaje, tendr\u00e1 que presentar una reclamaci\u00f3n a su aseguradora. Para ello, normalmente tendr\u00e1 que aportar documentaci\u00f3n sobre el suceso, como un informe policial o un historial m\u00e9dico. La compa\u00f1\u00eda de seguros evaluar\u00e1 su reclamaci\u00f3n y determinar\u00e1 si est\u00e1 cubierta por su p\u00f3liza.<\/p>\n

Paso 5: Recibir la indemnizaci\u00f3n<\/h3>\n

Si se aprueba su reclamaci\u00f3n, la compa\u00f1\u00eda de seguros le indemnizar\u00e1 de acuerdo con las condiciones de su p\u00f3liza. Esto puede incluir el reembolso de los gastos m\u00e9dicos, el pago en met\u00e1lico por un viaje cancelado o interrumpido, o la cobertura del coste de los objetos perdidos o robados. Es importante tener en cuenta que probablemente tendr\u00e1 que pagar los gastos por adelantado y luego presentar una solicitud de reembolso.<\/p>\n

Paso 6: Cancelar una p\u00f3liza<\/h3>\n

Si tiene que cancelar su viaje, es posible que tambi\u00e9n tenga que cancelar su p\u00f3liza de seguro de viaje. Muchas p\u00f3lizas ofrecen un periodo de revisi\u00f3n gratuita, durante el cual puede cancelar la p\u00f3liza y recibir un reembolso completo. Si tienes que cancelarla despu\u00e9s de ese plazo, es posible que te cobren gastos de cancelaci\u00f3n.<\/p>\n

En resumen, el seguro de viaje puede proporcionarle una importante protecci\u00f3n financiera durante su viaje. Si elige la p\u00f3liza adecuada, conoce la cobertura y sabe c\u00f3mo presentar una reclamaci\u00f3n, estar\u00e1 preparado para cualquier imprevisto. No olvide leer la letra peque\u00f1a, hacer preguntas y asegurarse de que se siente c\u00f3modo con la p\u00f3liza antes de comprarla.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_4,1_4,1_4,1_4\u2033 admin_label=\"navegaci\u00f3n\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/checklist.png\" title_text=\"lista de comprobaci\u00f3n\" show_bottom_space=\"off\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033][\/et_pb_image][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]

Vuelve a...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_text_color=\"#0C71C3\u2033 text_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTk3NyJ9fQ==@\" hover_enabled=\"0\u2033 locked=\"off\" global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Lista de comprobaci\u00f3n del seguro de viaje<\/span><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/cash.png\" title_text=\"efectivo\" show_bottom_space=\"off\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033][\/et_pb_image][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]

A continuaci\u00f3n...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_text_color=\"#0C71C3\u2033 text_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTkwOCJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

\u00bfCu\u00e1nto cuesta un seguro de viaje?<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 admin_label=\"Secci\u00f3n\" _builder_version=\"4.19.5\u2033 _module_preset=\"default\" background_color=\"#ffefd6\u2033 background_image=\"https:\/\/blog.sitata.com\/wp-content\/uploads\/2023\/02\/continents-min.png\" custom_padding=\"140px||140px||false|false\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_code admin_label=\"titular\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" text_orientation=\"center\" module_alignment=\"center\" custom_margin=\"0px||0px||false|false\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

\u00bfY si su seguro de viaje le ayud\u00f3 a tener un viaje m\u00e1s tranquilo?<\/span><\/h1>[\/et_pb_code][et_pb_text _builder_version=\"4.19.5\u2033 _module_preset=\"301fdfa3-009a-42fe-8b20-657927fbb5c5\u2033 text_orientation=\"center\" max_width=\"100%\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|42|42|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

Descubra por qu\u00e9 miles de viajeros eligen Sitata cuando viajan<\/span><\/p>[\/et_pb_text][et_pb_button button_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMDE1NSJ9fQ==@\" button_text=\"Elige Sitata ahora\" button_alignment=\"center\" button_alignment_tablet=\"center\" button_alignment_phone=\"center\" button_alignment_last_edited=\"on|tablet\" _builder_version=\"4.20.2\u2033 _dynamic_attributes=\u201dbutton_url\u201d _module_preset=\u201d01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 custom_margin=\"25px||||false|false\" animation_direction=\"bottom\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"top\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]","protected":false},"excerpt":{"rendered":"

SITATA INSURANCE ACADEMY\u00bfC\u00d3MO FUNCIONA EL SEGURO DE VIAJE? El seguro de viaje es un aspecto importante de cualquier viaje, ya sea nacional o internacional. Puede proporcionar protecci\u00f3n financiera contra imprevistos como cancelaciones de vuelos, p\u00e9rdida de equipaje o gastos m\u00e9dicos inesperados. En este art\u00edculo, repasaremos los aspectos b\u00e1sicos del funcionamiento del seguro de viaje.Paso 1: Elegir el [...]<\/p>","protected":false},"author":15,"featured_media":112456,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"folder":[455],"yoast_head":"\nHow Does Travel Insurance Work?<\/title>\n<meta name=\"description\" content=\"Before purchasing travel insurance, read the fine print, ask questions, and understand the policy to know how travel insurance really works.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sitata.com\/es\/como-funcionan-los-seguros-de-viaje\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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