{"id":112696,"date":"2023-06-09T03:22:43","date_gmt":"2023-06-09T07:22:43","guid":{"rendered":"https:\/\/www.sitata.com\/?p=112696"},"modified":"2023-06-09T03:23:19","modified_gmt":"2023-06-09T07:23:19","slug":"dont-take-a-trip-without-travel-insurance-heres-why","status":"publish","type":"post","link":"https:\/\/www.sitata.com\/ro\/nu-voiajati-sin-asigurare-de-calatorie-iata-de-ce\/","title":{"rendered":"Nu pleca\u021bi \u00een c\u0103l\u0103torie f\u0103r\u0103 asigurare de c\u0103l\u0103torie - iat\u0103 de ce."},"content":{"rendered":"<p>Asigurarea de c\u0103l\u0103torie este o armur\u0103 de siguran\u021b\u0103 atunci c\u00e2nd vizita\u021bi o \u021bar\u0103 str\u0103in\u0103. Este un tip de asigurare care v\u0103 protejeaz\u0103 \u00eempotriva incidentelor de c\u0103l\u0103torie. Faptul de a avea la \u00eendem\u00e2n\u0103 asisten\u021b\u0103 pentru ajutor financiar \u0219i medical ofer\u0103 un nivel suplimentar de protec\u021bie \u0219i \u00eencredere.&nbsp;<\/p>\n\n\n\n<p>C\u0103uta\u021bi cea mai bun\u0103 asigurare de c\u0103l\u0103torie? R\u0103spunsul este, cea care v\u0103 \u00eendepline\u0219te toate cerin\u021bele. Odat\u0103 cu avansarea inteligen\u021bei artificiale \u0219i a industriei FinTech, asigur\u0103rile au facilitat c\u0103l\u0103torilor personalizarea asigur\u0103rii \u00een func\u021bie de cerin\u021bele dumneavoastr\u0103 de c\u0103l\u0103torie.&nbsp;<\/p>\n\n\n\n<p>Asigurarea de c\u0103l\u0103torie ofer\u0103 asisten\u021b\u0103 \u00een caz de pierdere a bagajelor, \u00eenchiriere de ma\u0219ini, evacuare sau cheltuieli medicale, anularea zborurilor etc., \u00een func\u021bie de diferi\u021bi furnizori de asigur\u0103ri.<\/p>\n\n\n\n<p>Pentru a clarifica \u00eendoielile, acest articol prezint\u0103 \u00eentreb\u0103rile frecvente adresate de c\u0103l\u0103tori \u00een leg\u0103tur\u0103 cu acoperirea \u0219i achizi\u021bionarea unei asigur\u0103ri de c\u0103l\u0103torie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Asigurarea de c\u0103l\u0103torie acoper\u0103 zborurile anulate\/pierdute?<\/h3>\n\n\n\n<p>Asigurarea de c\u0103l\u0103torie poate oferi acoperire pentru zboruri anulate sau \u00eent\u00e2rziate, dar se aplic\u0103 anumite condi\u021bii. \u00cen general, \u00een cazul \u00een care anularea sau \u00eent\u00e2rzierea este cauzat\u0103 de evenimente neprev\u0103zute \u0219i naturale care nu depind de controlul dumneavoastr\u0103, cum ar fi condi\u021bii meteorologice severe sau greve, asigurarea de c\u0103l\u0103torie v\u0103 poate veni \u00een ajutor. Cu toate acestea, este important s\u0103 v\u0103 revizui\u021bi poli\u021ba pentru a \u00een\u021belege circumstan\u021bele specifice \u0219i limit\u0103rile acoperite.<\/p>\n\n\n\n<p>\u00cen plus, dac\u0103 pierde\u021bi un zbor din cauza unor circumstan\u021be neprev\u0103zute, cum ar fi o boal\u0103 sau o accidentare, acoperirea pentru zborurile pierdute poate varia \u00een func\u021bie de diferitele poli\u021be. Prin urmare, este esen\u021bial s\u0103 analiza\u021bi cu aten\u021bie termenii \u0219i condi\u021biile planului dumneavoastr\u0103 de asigurare pentru a determina gradul de acoperire oferit.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" data-id=\"112697\" src=\"https:\/\/www.sitata.com\/wp-content\/uploads\/2023\/06\/pexels-te-lensfix-1371360-1024x683.jpg\" alt=\"Asigurare de c\u0103l\u0103torie\" class=\"wp-image-112697\"\/><\/figure>\n<\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Asigurarea de c\u0103l\u0103torie acoper\u0103 cheltuielile medicale?<\/h3>\n\n\n\n<p>Unul dintre principalele motive pentru care c\u0103l\u0103torii opteaz\u0103 pentru o asigurare de c\u0103l\u0103torie este acela de a se proteja de costurile poten\u021bial exorbitante ale cheltuielilor medicale \u00een str\u0103in\u0103tate. Situa\u021biile medicale nea\u0219teptate v\u0103 pot sec\u0103tui rapid finan\u021bele \u0219i v\u0103 pot perturba planurile de c\u0103l\u0103torie. Prin asigurarea unei acoperiri adecvate de asigurare de c\u0103l\u0103torie, pute\u021bi atenua acest risc \u0219i v\u0103 pute\u021bi asigura lini\u0219tea \u00een timpul c\u0103l\u0103toriei dumneavoastr\u0103.<\/p>\n\n\n\n<p>\u00cen plus fa\u021b\u0103 de cheltuielile medicale, unii furnizori de asigur\u0103ri pot oferi \u0219i beneficii suplimentare, cum ar fi evacuarea medical\u0103 sau acoperirea vizitelor de compasiune. Aceste prevederi se pot dovedi nepre\u021buite atunci c\u00e2nd v\u0103 confrunta\u021bi cu urgen\u021be neprev\u0103zute. Pentru a maximiza valoarea investi\u021biei dumneavoastr\u0103 \u00een asigurare, v\u0103 recomand s\u0103 verifica\u021bi disponibilitatea acestor beneficii suplimentare \u0219i s\u0103 lua\u021bi \u00een considerare relevan\u021ba lor pentru nevoile dumneavoastr\u0103 de c\u0103l\u0103torie. Pentru mai multe informa\u021bii, citi\u021bi <a href=\"https:\/\/www.sitata.com\/ro\/cheltuieli-de-spital\/\">Cheltuieli medicale<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Asigurarea de c\u0103l\u0103torie poate fi anulat\u0103?<\/h3>\n\n\n\n<p>Da, v\u0103 pute\u021bi anula asigurarea de c\u0103l\u0103torie. Cu toate acestea, trebuie s\u0103 o face\u021bi \u00eentr-o anumit\u0103 perioad\u0103 de timp.&nbsp;<\/p>\n\n\n\n<p>numit\u0103 perioad\u0103 de revizuire, care difer\u0103 \u00een func\u021bie de furnizorii de poli\u021be de asigurare. Prin urmare, asigura\u021bi-v\u0103 c\u0103 verifica\u021bi perioada de revizuire pentru poli\u021ba pe care o achizi\u021biona\u021bi. (De\u0219i v\u0103 recomand\u0103m s\u0103 ave\u021bi o asigurare pentru propria siguran\u021b\u0103 pentru a beneficia de toate serviciile de care a\u021bi putea avea nevoie \u00een timpul c\u0103l\u0103toriei \u00een str\u0103in\u0103tate)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pot s\u0103 cump\u0103r o asigurare de c\u0103l\u0103torie dup\u0103 plecare?<\/h3>\n\n\n\n<p>De\u0219i este posibil s\u0103 cump\u0103ra\u021bi o asigurare online dup\u0103 plecare, este important s\u0103 re\u021bine\u021bi c\u0103 aceast\u0103 op\u021biune poate fi disponibil\u0103 doar prin intermediul unor furnizori de asigur\u0103ri selecta\u021bi.<\/p>\n\n\n\n<p>Atunci c\u00e2nd v\u0103 g\u00e2ndi\u021bi s\u0103 cump\u0103ra\u021bi o asigurare dup\u0103 plecare, trebuie s\u0103 \u021bine\u021bi cont de c\u00e2teva aspecte esen\u021biale:<\/p>\n\n\n\n<ul>\n<li><strong>Disponibilitate limitat\u0103:<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Nu to\u021bi furnizorii de asigur\u0103ri ofer\u0103 posibilitatea de a cump\u0103ra o asigurare de c\u0103l\u0103torie dup\u0103 plecare. Este esen\u021bial s\u0103 v\u0103 documenta\u021bi \u0219i s\u0103 identifica\u021bi companiile de asigur\u0103ri de renume care ofer\u0103 acest serviciu. C\u0103uta\u021bi asigur\u0103tori care sunt specializa\u021bi \u00een acoperirea de ultim moment sau care ofer\u0103 poli\u021be flexibile adaptate c\u0103l\u0103torilor afla\u021bi deja \u00een c\u0103l\u0103torie.<\/p>\n\n\n\n<ul>\n<li><strong>Restric\u021bii de \u021bar\u0103:<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Este important s\u0103 \u0219ti\u021bi c\u0103 anumite \u021b\u0103ri pot avea restric\u021bii \u00een ceea ce prive\u0219te achizi\u021bionarea unei asigur\u0103ri de c\u0103l\u0103torie dup\u0103 plecare. Unele na\u021biuni v\u0103 pot cere s\u0103 cump\u0103ra\u021bi o asigurare \u00eenainte de a p\u0103r\u0103si \u021bara de origine, ceea ce face imposibil\u0103 ob\u021binerea unei acoperiri dup\u0103 ce a\u021bi pornit deja \u00een c\u0103l\u0103torie. Prin urmare, este recomandabil s\u0103 investiga\u021bi reglement\u0103rile specifice ale \u021b\u0103rii de destina\u021bie pentru a v\u0103 asigura conformitatea.<\/p>\n\n\n\n<ul>\n<li><strong>Limit\u0103ri ale politicii:<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Atunci c\u00e2nd cump\u0103ra\u021bi o asigurare de c\u0103l\u0103torie dup\u0103 plecare, este esen\u021bial s\u0103 analiza\u021bi cu aten\u021bie termenii \u0219i condi\u021biile poli\u021bei. Unii furnizori de asigur\u0103ri pot impune limit\u0103ri sau excluderi ale acoperirii pentru anumite evenimente care au avut loc \u00eenainte de achizi\u021bionarea poli\u021bei. Lua\u021bi \u00een considerare orice clauze privind afec\u021biunile preexistente sau perioadele de a\u0219teptare care v\u0103 pot afecta eligibilitatea pentru anumite beneficii.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.sitata.com\/wp-content\/uploads\/2023\/06\/pexels-monstera-7412094-1024x683.jpg\" alt=\"Asigurare de c\u0103l\u0103torie\" class=\"wp-image-112698\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Pot ad\u0103uga o asigurare de zbor dup\u0103 rezervare sau asigurarea de c\u0103l\u0103torie poate fi cump\u0103rat\u0103 dup\u0103 rezervare?<\/h3>\n\n\n\n<p>Asigurarea de c\u0103l\u0103torie acoper\u0103, de obicei, \u00eent\u00e2rzierile \u0219i anul\u0103rile de zboruri. Prin urmare, o pute\u021bi achizi\u021biona chiar \u0219i atunci c\u00e2nd v\u0103 afla\u021bi la aeroport, pe punctul de a v\u0103 \u00eembarca \u00een avion. Cu toate acestea, este recomandat s\u0103 o achizi\u021biona\u021bi din timp pentru a ob\u021bine o acoperire \u0219i o prim\u0103 mai bune.<\/p>\n\n\n\n<p>Astfel, este posibil s\u0103 ave\u021bi mai multe op\u021biuni de asigurare cu care s\u0103 compara\u021bi. Cump\u0103rarea unei asigur\u0103ri \u00een ultimul moment s-ar putea s\u0103 nu v\u0103 aduc\u0103 cea mai bun\u0103 op\u021biune pe care a\u021bi fi putut-o avea \u0219i s\u0103 v\u0103 ofere o acoperire \u0219i limite de acoperire limitate. Este posibil ca unele acoperiri s\u0103 nu fie aplicabile imediat dup\u0103 ce a\u021bi cump\u0103rat asigurarea (ar putea dura 2-3 zile pentru a v\u0103 oferi o acoperire complet\u0103). Prin urmare, este recomandat s\u0103 \u00eencerca\u021bi s\u0103 cump\u0103ra\u021bi una instantaneu, atunci c\u00e2nd v\u0103 rezerva\u021bi c\u0103l\u0103toria.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Asigurare de c\u0103l\u0103torie pentru anulare din orice motiv<\/h3>\n\n\n\n<p>Fapt rapid! Majoritatea americanilor cump\u0103r\u0103 o asigurare pentru acoperirea \"Anulare pentru orice motiv\" (CFAR). Acest tip de acoperire este util atunci c\u00e2nd trebuie s\u0103 v\u0103 anula\u021bi c\u0103l\u0103toria din motive care nu sunt acoperite \u00een poli\u021ba de rambursare. Ofer\u0103 flexibilitatea de a primi rambursarea pentru cheltuielile pl\u0103tite \u00een avans care nu pot fi anulate. Nu uita\u021bi,<a href=\"https:\/\/www.sitata.com\/ro\/anularea-calatoriei\/\"> anularea c\u0103l\u0103toriei<\/a> \u0219i anularea din orice motiv sunt dou\u0103 acoperiri diferite.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Concluzie<\/h2>\n\n\n\n<p>Asigurarea de c\u0103l\u0103torie este o investi\u021bie nepre\u021buit\u0103. C\u00e2nd vine vorba de protejarea noastr\u0103, a celor dragi \u0219i a bunurilor noastre, pre\u021bul asociat cu siguran\u021ba p\u0103le\u0219te \u00een compara\u021bie cu rezultatele nepre\u021buite pe care le asigur\u0103. Adopt\u00e2nd m\u0103suri preventive, implement\u00e2nd protocoale de securitate solide \u0219i dob\u00e2ndind garan\u021biile necesare, ne d\u0103m posibilitatea de a face fa\u021b\u0103 incertitudinilor vie\u021bii cu \u00eencredere \u0219i senin\u0103tate.<\/p>\n\n\n\n<p>Pentru mai multe informa\u021bii, consulta\u021bi Academia noastr\u0103 de asigur\u0103ri.  R\u0103m\u00e2ne\u021bi conectat la <a href=\"https:\/\/www.sitata.com\/ro\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sitata<\/a> prin intermediul diferitelor sale platforme. (<a href=\"https:\/\/www.facebook.com\/sitata.goanywhere\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a>, <a href=\"https:\/\/instagram.com\/safewithsitata\" target=\"_blank\" rel=\"noreferrer noopener\">Instagram<\/a>, <a href=\"https:\/\/www.linkedin.com\/company\/sitata\/\" target=\"_blank\" rel=\"noreferrer noopener\">Linkedin<\/a>)<\/p>","protected":false},"excerpt":{"rendered":"<p>Asigurarea de c\u0103l\u0103torie este o armur\u0103 de siguran\u021b\u0103 atunci c\u00e2nd vizita\u021bi o \u021bar\u0103 str\u0103in\u0103. Este un tip de asigurare care v\u0103 protejeaz\u0103 \u00eempotriva incidentelor de c\u0103l\u0103torie. Faptul de a avea la \u00eendem\u00e2n\u0103 asisten\u021b\u0103 pentru ajutor financiar \u0219i medical ofer\u0103 un nivel suplimentar de protec\u021bie \u0219i \u00eencredere.  C\u0103uta\u021bi cea mai bun\u0103 asigurare de c\u0103l\u0103torie? R\u0103spunsul este, cea care v\u0103 \u00eendepline\u0219te toate [...]<\/p>","protected":false},"author":15,"featured_media":112700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[154,20],"tags":[113,22,446],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Don&#039;t Take a Trip Without Travel Insurance - Here&#039;s Why.<\/title>\n<meta name=\"description\" content=\"To clear the doubts related to travel insurance, we pose common questions asked by travellers about travel insurance coverage and purchasing.\" \/>\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\/ro\/nu-voiajati-sin-asigurare-de-calatorie-iata-de-ce\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don&#039;t Take a Trip Without Travel Insurance - Here&#039;s Why.\" \/>\n<meta property=\"og:description\" content=\"To clear the doubts related to travel insurance, we pose common questions asked by travellers about travel insurance coverage and purchasing.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sitata.com\/ro\/nu-voiajati-sin-asigurare-de-calatorie-iata-de-ce\/\" \/>\n<meta property=\"og:site_name\" content=\"Sitata\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/sitata.goanywhere\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-09T07:22:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-09T07:23:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/06\/pexels-porapak-apichodilok-346885-1-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Phalguni Sharma\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@_sitata_\" \/>\n<meta name=\"twitter:site\" content=\"@_sitata_\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Phalguni Sharma\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.sitata.com\/en\/dont-take-a-trip-without-travel-insurance-heres-why\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sitata.com\/en\/dont-take-a-trip-without-travel-insurance-heres-why\/\"},\"author\":{\"name\":\"Phalguni Sharma\",\"@id\":\"https:\/\/www.sitata.com\/en\/#\/schema\/person\/d3048f5a86d49ebb1020d57f4f6e7a86\"},\"headline\":\"Don&#8217;t Take a Trip Without Travel Insurance &#8211; 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