Chizindikiro cha pasipoti

Inshuwaransi Yoyenda Paulendo Wachisangalalo – Forbes Consultant

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Palibe chinthu chofanana ndi kukumana ndi mphamvu za G zikukupiza masaya anu pamene mukuyenda mtunda wa makilomita 60 pa ola kupita kumadzi kuchokera kumtunda wautali mumlengalenga. Ichi ndichifukwa chake ma roller coasters – ndi malo osangalatsa – nditchuthi chabwino kwambiri kwa okonda zosangalatsa komanso okonda adrenaline.

Maulendo a paki amutu ali ndi zambiri zoti apereke kuposa ma roller coasters okha. Zochitika nthawi zambiri zimakhala zosakanikirana zamasewera osiyanasiyana, malo odyera osangalatsa, kukumana ndi omwe mumakonda kwambiri, ndi ziwonetsero.

Ubwino wina wamapaki ammutu ndikuti nthawi zambiri amakhala pakati pamitundu yosiyanasiyana ya malo ogona, malo odyera, ndi malo ogulitsira kuti mutha kumaliza ulendo wanu momasuka. Mungafune kukhala ndi msonkhano wabanja ku EPCOT ku Orlando, onjezerani maphunziro a mbiri yakale ku Busch Gardens Williamsburg ku Virginia kapena kutuluka kunja kukachezera Tivoli Gardens ku Copenhagen. Mwina mukukonzekera ulendo wopita ku Universal Studios Japan ku Osaka.

Ziribe kanthu komwe paki yanu imakutengerani, inshuwaransi yoyenda bwino imakupatsirani chitetezo musanapite komanso mukachoka. Makampani ambiri a inshuwaransi yoyendera amakulolani kuti muwonjezere ana paulendo wanu wa inshuwaransi popanda mtengo.

Fananizani ndikugula inshuwaransi yapaulendo

Kuletsa Ulendo: The Poison Apple of Theme Park Vacations

Ngati mukukonzekera ulendo wa paki yamutu, lingalirani zoteteza ma depositi olipidwa ndi inshuwaransi. Matikiti a Walt Disney World ndi phukusi, mwachitsanzo, ndizosabweza. Apa ndipamene inshuwaransi yoyendayenda ingapereke ndalama zotetezera ndalama: Ngati mukuyenera kuletsa ulendo wa Disney, palibe fumbi lamatsenga lomwe lingathandize kubweza mtengo wanu popanda inshuwalansi yoyenera.

Mapindu oletsa ulendo angakuthandizeni kubweza ndalama zolipiriratu ngati mwaletsa ulendo wanu, atero a Don Van Skoyuk, olankhulira kampani ya inshuwaransi yapaulendo GeoBlue.

Inshuwaransi yoletsa ulendo nthawi zambiri imakulipirani ngati mwasiya chifukwa cha matenda, kuvulala, imfa, nyengo yoipa, magulu ankhondo, kapena vuto lalikulu labanja, pakati pa zochitika zina zosayembekezereka. Zifukwa zovomerezeka zolepheretsera zimasiyana malinga ndi kampani, chifukwa chake yang’anani ndondomeko yanu kuti muwone mndandanda wazinthu zonse.

Mapindu oletsa maulendo amafikira ku zochitika zapadera ndi zochitika zomwe mudzaphonyanso. Mwachitsanzo, ngati mulipira kale matikiti opita ku San Diego Zoo paulendo wanu wopita ku SeaWorld, ndipo mtengo wake sungathe kubweza, mutha kuphatikizirapo zomwe mukufuna.

Inshuwaransi yoletsa ulendo wanthawi zonse simapereka zifukwa zonse zolepherera. Mwachitsanzo, ngati mwana wanu wazaka 12 alandira khadi loyipa la lipoti ndipo musintha malingaliro anu paulendo wanu wopita ku SeaWorld ku San Diego, dongosolo lanu la inshuwaransi yoyendera silingakubwezereni.

Ngati mukufuna kusintha kwakukulu kuti muletse mapulani anu oyendayenda ndikupeza chipukuta misozi, ganizirani kuwonjezera kukweza kwa Cancel for Any Reason (CFAR) ku inshuwaransi yanu yapaulendo. Kusintha kumeneku kudzawonjezera pafupifupi 50% ku mtengo wa ndondomeko yanu koma kudzakuthandizani kuletsa pazifukwa zilizonse, malinga ngati mwaletsa osachepera maola 48 musananyamuke.

Mwachitsanzo, mutha kupereka chikalata cha CFAR chifukwa cholosera mvula, lipoti loyipa, ndewu ndi achibale, kapena chifukwa choti simukufuna kupita. Zowonjezera izi nthawi zambiri zimachepetsa 50% kapena 75% ya ndalama zanu zolipiriratu, zomwe sizingabwezedwe.

Inshuwaransi Yoyenda: Matsenga akuyembekezera

Palibe zamatsenga pakuchedwa kwa ndege kapena kutayika kolumikizana mukamayenda, koma inshuwaransi yochedwetsa ndege ingathandize kukonza zovutazo.

Tiyerekeze kuti mukuyenda kuchokera ku New Jersey kupita ku Disneyland Paris ndi banja lanu ndikusankha ndege yolumikizira ku London kuti musunge ndalama. Mphepo yamkuntho yomwe mungasiire ndi Elsa ikupangitsa kuti ndege yanu kuchokera ku Newark inyamuka mochedwa maola 18, kotero mumaphonya ndege yolumikizira kuchokera ku London kupita ku Paris. Inshuwaransi yochedwetsa paulendo imatha kukubwezerani ndalama zogulira hotelo, zakudya ndi zolipirira zanu kuti muthane ndi ulendo wanu.

Ndondomeko zambiri zimakhala ndi nthawi yodikirira, nthawi zambiri maola atatu mpaka 12, phindu lochedwa kuyenda lisanayambike. Choncho yang’anani ndondomeko yanu ya nthawi yeniyeni yofunikira isanayambe kufalitsa.

Komanso, ngati kuchedwerako kumapangitsa kuti ntchito kapena zosangalatsa zolipiridwa kale ziwonongeke kapena zomwe sizingabwezedwe, mutha kudandaula. Mwachitsanzo, inshuwaransi yochedwetsa ndege ikhoza kukubwezerani ndalama zoyendera nokha ndi mwana wamfumu yemwe munaphonya komanso chindapusa chausiku woyamba kuhotelo yanu.

Inshuwaransi yosokoneza maulendo pa nthawi yatchuthi ya paki

Ngati mukuyenera kupita kunyumba msanga chifukwa cha matenda kapena kuvulala, kapena chifukwa cha ngozi yapabanja panyumba, mutha kupereka chidandaulo pansi pa Trip Interruption Insurance.

Mwachitsanzo, tinene kuti muli ku Gröna Lund ku Sweden, mukudikirira pamzere kukwera phiri la Monster roller coaster, ndipo mukudziwitsidwa kuti apongozi anu amwalira mwadzidzidzi. Muyenera kuchepetsa nthawi yanu yatchuthi.

Mapindu a inshuwaransi yaulendo wosokoneza maulendo amatha kulipira mtengo waulendo wobwerera kunyumba. Ithanso kubweza ma depositi aliwonse osabwezeredwa aulendo wachinsinsi wolipiriratu, zipinda zamahotelo, kusamutsidwa, kapena zokumana nazo zachinsinsi zomwe mudalipiriratu.

Travel inshuwaransi yachipatala ikhoza kukhala mulungu wamatsenga

Kuvulala kapena matenda ndi vuto, makamaka pamene muli kutali ndi kwanu. Ngati mwavulazidwa kapena thanzi lanu silikuyenda bwino mukuyenda kunja kwa dzikolo, ndalama zolipirira chithandizo chamankhwala mu dongosolo la inshuwaransi yaulendo zitha kukubwezerani ndalamazo.

Mwachitsanzo, ngati mukupita ku Knotts Berry Farm ku California ndi mwana wanu wamkazi, ndipo akagwa ndikufunika masitichi, ndalama zilizonse zamankhwala zitha kulipidwa ndi inshuwaransi yaku US. Koma ndi dziko laling’ono, pambuyo pake, mutha kuyesa kupita kumalo osungiramo zosangalatsa kunja kwa US.

Ngati mupita kunja, kugula chithandizo chamankhwala mwadzidzidzi kumakhala kofunika kwambiri. Onani ngati dongosolo lanu lazaumoyo ku US lili ndi chithandizo chamankhwala chapadziko lonse lapansi, komanso ngati likuwoneka kuti silikuyenda pa intaneti. Mungafune kugula inshuwaransi yazachipatala yochulukirapo kuti mupeze chithandizo chabwino kunja.

Mwachitsanzo, ngati mwana wanu akudutsa dziko lodabwitsa la Canada ku Toronto akuyenda ndi kuthyoka mwendo, muyenera kukhala ndi inshuwalansi ya umoyo yomwe imagwira ntchito ku Canada.

Inshuwaransi yachipatala yoyenda imakuthandizani kulipira mtengo, mpaka malire anu, kuyendera madokotala, kujambula, kujambula, ngakhale kugona m’chipatala usiku wonse. Mutha kupeza inshuwaransi yazachipatala yokhala ndi zopindulitsa zokwanira $500,000 pa munthu aliyense, ngakhale mapulani ambiri amapereka zochepa ngati simukufuna zambiri.

Nthawi zonse pamakhala chiopsezo chofuna kusamutsidwa kuchipatala poyenda. Ngati mwana wanu wagwidwa ndi khunyu poyendera paki ya Tibidabo ku Barcelona, ​​​​angafunike kupita kuchipatala mwamsanga.

Mtengo wa mayendedwe azachipatala utha kufika madola masauzande ambiri, kapena kupitilira apo, kutengera komwe muli komanso momwe zinthu zilili. Inshuwaransi yochokera kwadzidzidzi yadzidzidzi ingakupulumutseni $1 miliyoni pa munthu aliyense wotuluka mwadzidzidzi, koma mutha kugula zochepa ngati mukuwona ngati simukufuna zambiri.

Kampani yanu ya inshuwaransi yoyenda imatha kukonza chithandizo chamankhwala kuti muyendetse mwana wanu kuti akalandire chithandizo chadzidzidzi, ndipo ikhozanso kukonza zoyendera kupita ku United States ngati kuli kofunikira.

Inshuwaransi Yoyenda Yotaya Katundu

Ngati matsenga amatsenga angapangitse kuti katundu wanu awoneke. Tsoka ilo, sizili choncho pamene katundu wanu watayika. Komabe, inshuwaransi yotaya katundu wa inshuwaransi yoyenda ingakuthandizeni pokubwezerani ndalama.

Tiyerekeze kuti muli ndi ulendo wa pandege wopita ku Alton Towers ku UK ndikuzindikira kuti zikwama zanu zomwe mwayang’ana zadutsa njira. Inshuwaransi yanu yoyendayenda ikhoza kukubwezerani mtengo wa zomwe mwadzaza.

“Chimodzi mwazinthu zoyipa kwambiri zomwe mungakumane nazo ndikuzindikira kuti thumba lanu lonse lataya malo,” akutero Chris Carnicelli, CEO wa Generali Global Assistance. “Kutayika kwa katundu ndizochitika zofala kwambiri kuposa momwe anthu ambiri amaganizira, ndichifukwa chake ndikofunikira kukhala ndi inshuwaransi yomwe imathandizira izi.”

Kuphatikiza pa katundu, inshuwaransi yaulendo imatetezanso katundu wanu. Malo osungiramo zinthu zakale ndi odziwika bwino chifukwa chokhala ndi anthu ambiri komanso kuba katundu. Ngati iPad yasinthidwa kapena kamera yagwidwa, mutha kubweza chiwongola dzanja. Onetsetsani kuti mwapereka lipoti ku ofesi ya paki ndikudziwitsa akuluakulu. Mudzafunika zolemba izi ngati mupereka chigamulo chakuba.

Ndondomeko yanu ikhoza kukhala ndi zopatula zodzikongoletsera zodula kapena kukhala ndi zipewa zachinthu chilichonse. “Pamene mukuyang’ana kampani ya inshuwalansi yoyendayenda, m’pofunika kuganizira mbali zonse za ndondomekoyi ndikuwerenga zolemba zabwino. Kaya mukupita kudziko lina kapena m’mayiko ena, inshuwalansi yaulendo idzasiyana pakati pa wothandizira aliyense,” akufotokoza motero Carnicelli.

Ndondomeko yabwino ndiyo kusiya zinthu zamtengo wapatali kunyumba. Ngati mukufuna kuyenda ndi zinthu zodula, onetsetsani kuti zodzikongoletsera zodula kapena zida zamagetsi zotetezedwa muchitetezo cha hotelo.


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