Nayi inshuwaransi yapaulendo yomwe mukufuna

Chilichonse chikhoza kuchitika kumalo obwereketsa tchuthi. Ndipo nthawi zina chilichonse Kodi zikuchitika.

Maloto owopsa a lendi amayambira pazovuta zazing’ono, monga nyerere, mpaka ku maloto owopsa, monga kusefukira kwa madzi. Monga woyimira ogula, ndaziwona zonse.

Nyerere zakhala anzanga osafunidwa m’nyumba ina ku Athens chilimwe chino. Nditangoika chidutswa cha baklava pa mbale iwo adachizungulira, okonzeka kuchitsitsa. Ndipo ponena “kuchitsitsa,” ine ndikutanthauza monga nyerere zofiira zija Indiana Jones ndi Ufumu wa Crystal Skull. Panalibe kuwathawa – mpaka woyang’anira yobwereka adatumiza kupha.

Sindidzaiwala kanyumba ka ku Pennsylvania komwe kanatsala pang’ono kukokoloka ndi kusefukira kwa madzi m’chilimwe chapitacho. Pambuyo pa kusefukira kwadzidzidzi, ndinaganiza kuti galimoto yanga idzayandama pamtsinje wapafupi. Mwamwayi, zimenezo sizinachitike.

Ndikaganizira za masokawa, ndimadzifunsa kuti: Kodi inshuwaransi yoyendayenda ikanapangitsa kusiyana kulikonse?

Nthawi zina yankho limakhala inde. Ndipo zikuoneka kuti apaulendo akhala akuganiza zomwezo posachedwapa.

“Pamene maulendo apanyumba akuchulukirachulukira, tawona kuchuluka kwa anthu apaulendo omwe akufuna kubisala kuwonongeka kwa malo ochitira tchuthi odziyimira pawokha,” atero a Katie Crowe, olankhulira kampani ya inshuwaransi yapaulendo ya Battleface.

Koma kodi inshuwaransi ndiyofunikira kuti mukhale patchuthi? Kodi imaphimba chiyani, ndipo ikufanana bwanji ndi – komanso yosiyana ndi – inshuwaransi yoyenda nthawi zonse?

Inde, mungafunike inshuwaransi yobwereka patchuthi

Ngati mukukhala patchuthi, inshuwaransi yapaulendo ndiyofunikira, atero a Christina Tuna, manejala wamkulu wapadziko lonse lapansi wa World Nomads Group. Kupatula apo, mwina mukukhala m’nyumba yamtengo wapatali madola masauzande ambiri.

“Apaulendo ayenera kukhala otsimikiza 100% za udindo womwe amatenga ngati nyumba yawonongeka,” akutero. “Kodi chimachitika n’chiyani ngati atatembenuza galimoto yanu mwangozi kumpanda?

Yankho: Osati nthawi zonse. Mwamwayi, mapulani ena a inshuwaransi yoyenda ali ndi chiwongola dzanja chachitatu. Akuti izi ndi zofunika kuziganizira pochita lendi nyumba yatchuthi.

Koma si chifukwa chokhacho choganizira inshuwalansi. Ambiri apaulendo omwe amabwereka nyumba yatchuthi kapena nyumba akuda nkhawa kuti ateteze ndalama zomwe amawononga pa renti ndi maulendo, akutero Angela Borden, wofufuza zamalonda ku Seven Corners.

“Ndalama zimenezi zimaimira ndalama zambiri zapatchuthi paulendowu,” akutero. “Potengera izi, apaulendo akuyenera kuyang’ananso chikalata chawo cha inshuwaransi yaulendo, ndikuwunikanso zifukwa zomwe zalepheretsedwa.”

Mitundu iwiri ya inshuwaransi yobwereketsa tchuthi

“Ndikofunikira kusiyanitsa mitundu iwiri ya inshuwaransi yobwereketsa tchuthi,” akutero Stan Sandberg, woyambitsa nawo tsamba la inshuwaransi yapaulendo TravelInsurance.com.

Kuletsa ulendo

Dongosolo la inshuwaransi yapaulendo yokhala ndi kuletsa kwaulendo kumatha kuteteza ndalamazi ngati woyimilirayo asiya pazifukwa zobisika monga matenda osayembekezereka, kuphatikiza COVID, kapena mphepo yamkuntho, Sandberg akutero.

Kuphimba kuwonongeka kwa renti

Ngati china chake chachitika pakubwereketsa komwe mudali komweko – mwachitsanzo, mudataya vinyo wofiira pa kapeti yoyera – kuwonongeka kungathandize kulipira ndalamazo. Dziwani kuti kufalitsa sikuphatikiza kuwononga mwadala, monga phwando laphokoso.

Sandberg akuti onsewa akukhala otchuka kwambiri. “Tawona kuwonjezeka kwakukulu kwa kugula inshuwaransi yapaulendo kuti tipeze ndalama zolipiriratu, zosabweza kutchuthi,” akutero.

Kodi inshuwaransi yapaulendo imalipira bwanji renti kutchuthi?

Ndalama zambiri zobwereketsa kutchuthi zimaphatikizidwa ndi inshuwaransi yapaulendo. Nawa mitundu ina ya chithandizo chomwe mungapeze:

  • Chitetezo ku ngozi pamene mukubwereka katundu, monga kutaya vinyo pa kapeti, kuswa nyali kapena zenera, kapena kuwonongeka kwa chiweto chanu.
  • Mapindu oletsa ulendo, omwe amaphimba usiku wa hotelo yosakonzekera ngati ndege kapena sitima yanu yachedwa kapena kuyimitsidwa.
  • Ndalama zachipatala ndi kusamuka kwadzidzidzi. Izi ndizofunikira makamaka pamaulendo apaulendo apadziko lonse lapansi, komwe inshuwaransi yanu yaumoyo singakhale yovomerezeka.

Joe Cronin, pulezidenti wa International Citizens Inshuwalansi, akuti inshuwalansi yapaulendo ikhozanso kukulipirani zinthu zomwe mumataya pobwereka tchuthi.

“Muthanso kuyika chiwongola dzanja pa inshuwaransi ya eni nyumba kapena lendi, koma kuyika chiwongola dzanja kungapangitse kuti mtengo wanu ukhale wapamwamba,” akutero. “Choncho, inshuwaransi yanu yoyenda ndiyo njira yanu yoyamba yodzitetezera.”

Ndili ndi tsatanetsatane wa momwe ndingapezere chithandizo cha inshuwaransi—ndi kupewa kulota maloto obwereketsa tchuthi—mu malangizo anga okhudza kubwereketsa tchuthi.

Kodi inshuwaransi yapaulendo siyipereka chiyani pamatchuthi?

Tsoka ilo, sizinthu zonse zomwe zimaperekedwa ndi inshuwaransi yapaulendo. Nawu mndandanda wazinthu zomwe inshuwaransi yanu singachite:

  • Ngati muli ndi malingaliro ena okhudzana ndi kukhala m’nyumba yobwereka (pokhapokha mutakhala ndi ndondomeko yodula “kuletsa pazifukwa zilizonse”).
  • Chinyengo chilichonse chazandalama chokhudzana ndi kubwereketsa tchuthi, monga kusamutsa ndalama kapena kuba zidziwitso zanu mwachinyengo.
  • Zowononga mwadala, nthawi zambiri chifukwa cha phwando.
  • Kusagwirizana ndi wolandira kapena nsanja pazakusowa zomwe zimabweretsa kuphonya usiku. Inshuwaransi yapaulendo nthawi zambiri sikhala ndi hotelo ngati mwatuluka msanga.

Uwu ndi mndandanda pang’ono chabe wazinthu zomwe sizikuperekedwa ndi inshuwaransi yapaulendo. Kumbukirani kuti inshuwaransi yapaulendo imakhazikitsa zoopsa zomwe mumabisa. Ngati sichinatchulidwe mwachindunji, palibe kufalitsa.

Ndi mtundu wanji wa inshuwaransi womwe umakonda kwambiri?

Pazinthu zonse zomwe mungapeze ndi inshuwaransi yanu yapaulendo, chofunikira kwambiri chingakhale kuletsa ulendo.

“Kuletsa maulendo akadali, makamaka, mtundu woyamba wamtundu uliwonse watchuthi – kuphatikiza kubwereketsa tchuthi,” atero Carol Mueller, wachiwiri kwa purezidenti wa Berkshire Hathaway Travel Protection. “Kuphatikiza pa kuletsa kwanthawi zonse kuletsa maulendo, ochita renti amasamalanso kuwonetsetsa kuti mapulani omwe amagula akuphatikizapo chitetezo chachitetezo, pakawonongeka mosayembekezereka.”

Chimodzi mwa zinsinsi zosungidwa bwino za inshuwaransi yapaulendo ndikuti ikhoza kulipira ndalama zomwe sizingabwezedwe ngati komwe kopitako sikungakhaleko, malinga ndi a Daniel Durazzo, director of external communications at Allianz Partners USA.

Iye anati: “Ngati nyumba yobwereka patchuthi ili pamalo amene kwachitika tsoka lachilengedwe, anthu sangathe kukhalamo chifukwa cha kutha kwa magetsi kapena madzi. “Onetsetsani kuti mwalemba zovutazo ndikulemba chikalata ku kampani yanu ya inshuwaransi yaulendo kuti musabweze ndalama zomwe simubweza, zomwe zingaphatikizepo mtengo wa lendi ndi ndalama zoyendera.”

Inshuwaransi yapaulendo imaphatikizapo zambiri kuposa kubwereka tchuthi

Ma inshuwaransi ambiri apaulendo sanapangidwe makamaka kwa alendo obwereketsa tchuthi. Koma imaphimba zoopsa zomwe zingakhudze mlendo.

Tiyerekeze kuti muli ndi tchuthi kunyanja, ndipo gombe latseka. Inshuwaransi yanu yapaulendo ikhoza kulipira izi.

“Mapulani ena a inshuwaransi yoyenda amakhala ndi zosokoneza paulendo zomwe zimatha kulipira mpaka ndalama zomwe zaperekedwa ngati kutsekedwa kwa magombe ngati akuluakulu aboma atseka gombe komwe akupita kwa maola 24 kapena kupitilira apo,” akufotokoza Sherry Sutton, Wachiwiri kwa Purezidenti wa Marketing. ndi Communications, Travel Insured. International.

Nthawi zina mutha kuwonjezera chitetezo cha kuwonongeka kwa renti ku inshuwaransi yanu yapaulendo. Mwachitsanzo, oyambitsa inshuwaransi yapaulendo Faye ali ndi njira yobwereketsa tchuthi pamapulani ake aliwonse. Imateteza kuwonongeka kwangozi kwa renti yanu, monga vinyo wotayika, mbale zosweka, ndi zida zomwe sizikuyenda bwino. Malamulo ake onse amaphatikizanso inshuwaransi ya malo obwereketsa

“Izi zikutanthauza kuti ngati makiyi a malo obwereketsa atayika, abedwa, kapena awonongeka, ndipo mulibe mwayi wopeza malowo kwa maola atatu kapena kuposerapo, mutha kulipidwa mpaka $200,” akutero Doron Samish, Fi’s. wachiwiri kwa purezidenti wazogulitsa.

Ndani amafunikira inshuwaransi kuti abwereke tchuthi?

Ndayankhula ndi apaulendo ambiri omwe agula inshuwaransi yaulendo kuti abwereke tchuthi. Iwo ananena kuti ngakhale kuti ankadera nkhawa za vuto la kubwereka kutchuthi, iwo ankaderanso nkhawa za mmene inshuwaransi ikupereka.

Mwachitsanzo, Colin Carswell, katswiri wa hotelo wochokera ku Waynesville, North Carolina, adagula inshuwalansi kudzera mu Allianz Travel Insurance yobwereketsa nyanja. Ndondomekoyi imakhudza zoopsa zomwe zimachitika nthawi zonse, monga kutaya katundu ndi kusokonezeka kwa ndege.

“Zomwe tapeza kuti ndizothandiza kwambiri pankhani ya inshuwaransi yaulendo ndi chithandizo chamankhwala,” adandiuza. “Tinapita kutchuthi zaka zingapo zapitazo pamene mwamuna wanga anafunikira kupita kuchipinda changozi. Nthaŵi ina, mwana wanga wamwamuna wa chaka chimodzi anayenera kupita ku chisamaliro chachangu.

Ndondomeko ya Allianz inawaphimba.

Malangizo ogulira ma inshuwaransi obwereketsa tchuthi: Werengani mosamala

Cholemba chomaliza: Muyenera kuwerenga zolemba zanu mosamala musanagule.

“Upangiri wabwino kwambiri pano ndikuwunikanso mapindu a dongosololi musanagule,” akutero Brian Rock, Director National ku VacationGuard.com. “Zolinga zina zimafuna kuti aliyense azitchula mayina. Ena amangowonjezera chitetezo kwa omwe akuyenda nawo.”

Zoona zimenezo. Ndawonapo “vuto” zambiri panthawi yodandaula, pomwe wina wayiwala kutchula aliyense mu ndondomekoyi kapena kunyalanyaza zina zomwe zimawoneka ngati zosafunika. Chifukwa ndikhulupirireni, ngati mukuyenera kuyika chiwongolero panyumba yobwereketsa tchuthi, kampani yanu ya inshuwaransi yoyenda sidzakuvomerezani. Zomwe tsatanetsatane.

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