{"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\/pl\/jak-dziala-ubezpieczenie-podrozy\/","title":{"rendered":"Jak dzia\u0142a ubezpieczenie podr\u00f3\u017cne?"},"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=\"#FFFF\" 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|false|false\" global_colors_info=\"{}\"]<h1>SITATA INSURANCE ACADEMY<\/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=\"{}\"]<h1>JAK  <span style=\"color: #e1b876;\">UBEZPIECZENIE TURYSTYCZNE DZIA\u0141A?<\/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=\"beach-fantasy\" 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]<p>Ubezpieczenie podr\u00f3\u017cne jest wa\u017cnym aspektem ka\u017cdej podr\u00f3\u017cy, zar\u00f3wno krajowej jak i zagranicznej. Mo\u017ce ono zapewni\u0107 ochron\u0119 finansow\u0105 przed nieprzewidzianymi zdarzeniami, takimi jak odwo\u0142anie lotu, zagubienie baga\u017cu czy niespodziewane wydatki medyczne. W tym artykule om\u00f3wimy podstawy dzia\u0142ania ubezpieczenia podr\u00f3\u017cnego.<\/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]<h3>Krok 1: Wyb\u00f3r w\u0142a\u015bciwej polisy<\/h3>\n<p>Istnieje wiele r\u00f3\u017cnych rodzaj\u00f3w ubezpiecze\u0144 podr\u00f3\u017cnych i wa\u017cne jest, aby wybra\u0107 odpowiednie dla swoich potrzeb. Niekt\u00f3re polisy mog\u0105 obejmowa\u0107 tylko nag\u0142e przypadki medyczne, podczas gdy inne mog\u0105 oferowa\u0107 pokrycie koszt\u00f3w anulowania podr\u00f3\u017cy, zagubienia lub kradzie\u017cy baga\u017cu i wiele innych. Przed wyborem polisy, upewnij si\u0119, \u017ce przeczytasz drobny druk i zrozumiesz, co jest obj\u0119te ubezpieczeniem, a co nie.<\/p>\n<h3>Krok 2: Zakup polisy<\/h3>\n<p>Po wybraniu polisy, kt\u00f3ra spe\u0142nia Twoje potrzeby, nadszed\u0142 czas na jej zakup. Ubezpieczenie podr\u00f3\u017cne mo\u017cna cz\u0119sto kupi\u0107 bezpo\u015brednio od linii lotniczych, linii wycieczkowych lub biura podr\u00f3\u017cy, z kt\u00f3rego korzystasz, lub bezpo\u015brednio od ubezpieczyciela. Niekt\u00f3re karty kredytowe oferuj\u0105 r\u00f3wnie\u017c ubezpieczenie podr\u00f3\u017cne jako korzy\u015b\u0107, wi\u0119c sprawd\u017a, czy Twoja karta obejmuje tak\u0105 ochron\u0119.<\/p>\n<h3>Krok 3: Zrozumienie pokrycia<\/h3>\n<p>Wa\u017cne jest, aby zrozumie\u0107, co obejmuje polisa przed wyruszeniem w podr\u00f3\u017c. Mo\u017ce to obejmowa\u0107 kwot\u0119 pokrycia koszt\u00f3w medycznych, udzia\u0142 w\u0142asny, za kt\u00f3ry b\u0119dziesz odpowiedzialny oraz maksymaln\u0105 kwot\u0119, kt\u00f3r\u0105 polisa wyp\u0142aci. Nale\u017cy r\u00f3wnie\u017c zrozumie\u0107 wszelkie wy\u0142\u0105czenia lub ograniczenia w polisie, takie jak pokrycie dla wcze\u015bniej istniej\u0105cych warunk\u00f3w lub sport\u00f3w przygodowych.<\/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\" 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=\"headline image of excited travellers at the airport for worry-free travel with travel insurance\" 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]<h1>Gotowy?<\/h1>\n<h1>Czas na <strong><span style=\"color: #e1b876;\">Chro\u0144 swoj\u0105 podr\u00f3\u017c<\/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]<p>Ubezpieczenie podr\u00f3\u017cne Sitata to o wiele wi\u0119cej. Pomoc 24\/7\/365 na czacie, powiadomienia o zak\u0142\u00f3ceniach i bezpiecze\u0144stwie w czasie rzeczywistym, \u015bledzenie lot\u00f3w, telemedycyna, szybkie cyfrowe wyp\u0142aty roszcze\u0144, a lista jest dalej... wszystko po to, aby\u015b m\u00f3g\u0142 podr\u00f3\u017cowa\u0107 bez obaw. Na co wi\u0119c czekasz?<\/p>[\/et_pb_text][et_pb_button button_url=\"https:\/\/www.sitata.com\/for-your-trip\" button_text=\"Sprawd\u017a ceny\" _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]<h3>Krok 4: Zg\u0142aszanie roszcze\u0144<\/h3>\n<p>Je\u015bli podczas podr\u00f3\u017cy przydarzy Ci si\u0119 zdarzenie obj\u0119te ubezpieczeniem, takie jak nag\u0142y wypadek medyczny lub zagubienie baga\u017cu, b\u0119dziesz musia\u0142 zg\u0142osi\u0107 roszczenie do swojego ubezpieczyciela. W tym celu nale\u017cy dostarczy\u0107 dokumentacj\u0119 zdarzenia, tak\u0105 jak raport policyjny lub dokumentacj\u0119 medyczn\u0105. Firma ubezpieczeniowa oceni w\u00f3wczas roszczenie i ustali, czy jest ono obj\u0119te polis\u0105.<\/p>\n<h3>Krok 5: Otrzymanie rekompensaty<\/h3>\n<p>Je\u015bli roszczenie zostanie zatwierdzone, firma ubezpieczeniowa zapewni odszkodowanie zgodnie z warunkami polisy. Mo\u017ce to obejmowa\u0107 zwrot koszt\u00f3w leczenia, wyp\u0142at\u0119 got\u00f3wki za odwo\u0142an\u0105 lub przerwan\u0105 podr\u00f3\u017c lub pokrycie koszt\u00f3w zagubionych lub skradzionych przedmiot\u00f3w. Wa\u017cne jest, aby pami\u0119ta\u0107, \u017ce prawdopodobnie trzeba b\u0119dzie zap\u0142aci\u0107 wszelkie wydatki z g\u00f3ry, a nast\u0119pnie z\u0142o\u017cy\u0107 wniosek o zwrot koszt\u00f3w.<\/p>\n<h3>Krok 6: Anulowanie polisy<\/h3>\n<p>Je\u015bli musisz odwo\u0142a\u0107 swoj\u0105 podr\u00f3\u017c, by\u0107 mo\u017ce b\u0119dziesz musia\u0142 r\u00f3wnie\u017c odwo\u0142a\u0107 swoj\u0105 polis\u0119 ubezpieczeniow\u0105. Wiele polis oferuje okres \"free look\", podczas kt\u00f3rego mo\u017cna zrezygnowa\u0107 z polisy i otrzyma\u0107 pe\u0142ny zwrot koszt\u00f3w. Je\u015bli trzeba b\u0119dzie zrezygnowa\u0107 z polisy po up\u0142ywie tego okresu, mo\u017ce zosta\u0107 naliczona op\u0142ata za anulowanie.<\/p>\n<p>Podsumowuj\u0105c, ubezpieczenie turystyczne mo\u017ce zapewni\u0107 wa\u017cn\u0105 ochron\u0119 finansow\u0105 podczas podr\u00f3\u017cy. Wybieraj\u0105c odpowiedni\u0105 polis\u0119, rozumiej\u0105c jej zakres i wiedz\u0105c, jak zg\u0142osi\u0107 roszczenie, mo\u017cesz mie\u0107 pewno\u015b\u0107, \u017ce jeste\u015b przygotowany na wszelkie niespodziewane wydarzenia, kt\u00f3re mog\u0105 si\u0119 zdarzy\u0107. Pami\u0119taj, aby czyta\u0107 drobny druk, zadawa\u0107 pytania i upewni\u0107 si\u0119, \u017ce czujesz si\u0119 komfortowo z polis\u0105 przed dokonaniem zakupu.<\/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=\"navigation\" _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|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=\"checklist\" 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=\"{}\"]<p style=\"text-align: left;\">Wr\u00f3\u0107 do...<\/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]<p style=\"text-align: left;\"><span style=\"text-decoration: underline;\">Lista kontrolna ubezpieczenia podr\u00f3\u017cnego<\/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|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=\"cash\" 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=\"{}\"]<p>Dalej...<\/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]<p><span style=\"text-decoration: underline;\">Ile kosztuje ubezpieczenie podr\u00f3\u017cne?<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 admin_label=\"Section\" _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\" 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=\"headline\" _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|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]<h1 class=\"sitata-hero-header\"><!-- [et_pb_line_break_holder] -->  Co je\u015bli twoje ubezpieczenie podr\u00f3\u017cne faktycznie <span class=\"sitata-header-highlight\"> pomog\u0142a ci w \u0142agodniejszej podr\u00f3\u017cy?<\/span><!-- [et_pb_line_break_holder] --><\/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=\"{}\"]<p><span>Zobacz dlaczego tysi\u0105ce podr\u00f3\u017cnych wybiera Sitat\u0119 podczas podr\u00f3\u017cy.<\/span><\/p>[\/et_pb_text][et_pb_button button_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMDE1NSJ9fQ==@\" button_text=\"Wybierz Sitata Teraz\" 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":"<p>AKADEMIA UBEZPIECZE\u0143 SITATA JAK DZIA\u0141A UBEZPIECZENIE PODR\u00d3\u017bNE? Ubezpieczenie podr\u00f3\u017cne jest wa\u017cnym aspektem ka\u017cdej podr\u00f3\u017cy, zar\u00f3wno krajowej, jak i zagranicznej. Mo\u017ce zapewni\u0107 ochron\u0119 finansow\u0105 przed nieprzewidzianymi zdarzeniami, takimi jak odwo\u0142anie lotu, utrata baga\u017cu lub nieoczekiwane wydatki medyczne. W tym artykule om\u00f3wimy podstawy dzia\u0142ania ubezpieczenia podr\u00f3\u017cnego.Krok 1: Wyb\u00f3r odpowiedniego [...]<\/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":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How 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\/pl\/jak-dziala-ubezpieczenie-podrozy\/\" 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