Travel Insurance vs. Makhadi a Ngongole: Momwe Cover Cover Imafananizira

Akatswiri amkati amasankha zinthu zabwino kwambiri ndi ntchito kuti zikuthandizeni kupanga zisankho zanzeru ndi ndalama zanu (umu ndi momwe). Nthawi zina, timalandira ntchito kuchokera kwa anzathu, komabe, malingaliro athu ndi athu. Migwirizano imagwira ntchito pazotsatsa zomwe zalembedwa patsambali.

  • Inshuwaransi yapaulendo ndi makhadi ena a ngongole zingakutetezeni kuti musawononge ndalama mukamayenda.
  • Inshuwaransi yapaulendo imapereka chithandizo chokwanira chomwe chimakutetezani pamaulendo amodzi kapena angapo.
  • Makhadi a kingongole atha kulipira ndalama zolepheretsera ndege, matumba otayika, ndi zochitika zina pamaulendo omwe adasungitsa ndi khadi lanu.

Chilichonse chikhoza kuchitika poyenda. Kuchedwa kwa ndege, kutayika kwa katundu, kapena kuvulala kosayembekezereka kapena matenda. Izi zikachitika, inshuwaransi yapaulendo kapena chitetezo chapaulendo chophatikizidwa ndi kirediti kadi yanu yamtengo wapatali ikhoza kukuthandizani, kukupatsani chithandizo chamankhwala, kubweza ndalama zomwe munataya, kapenanso kukulipirani mokwanira.

Koma kodi mumafunikira inshuwaransi yapaulendo ndi chitetezo paulendo wa kirediti kadi? Nawa tsatanetsatane wa zonse ziwiri ndi malangizo osankha yomwe ili yoyenera paulendo wanu.

Inshuwaransi Yoyenda vs Chitetezo Choyenda pa Ngongole: Kuwona Mwachangu

Makhadi ambiri a kingongole amapereka chitetezo chapaulendo chomwe chingakuthandizeni kudutsa zochitika zosayembekezereka zapaulendo. Koma sizofanana ndendende ndi inshuwaransi yosiyana yoyendera.

Umu ndi momwe awiriwa amasiyanirana pamlingo wapamwamba:

  • Inshuwaransi Yoyenda: Inshuwaransi yapaulendo ndizomwe mumagula paulendo umodzi kapena maulendo angapo pachaka. Nthawi zambiri imalipira ndalama zomwe zimabwera chifukwa cha kuyimitsidwa kwa ndege, kuchedwa kwa ndege, ngozi zadzidzidzi komanso zochitika zina zosayembekezereka zomwe zingachitike poyenda.
  • Chitetezo cha Maulendo a Kirediti kadi: Zopindulitsa izi zimaphatikizidwa ndi makadi a kingongole ogula. Nthawi zambiri amapereka chithandizo cha kuchedwa, katundu wotayika, kugunda kwa magalimoto obwereketsa, ndi zochitika zina pamene akuyenda. Nthawi zina makhadi a ngongole amalengeza chitetezo ichi ngati inshuwaransi yapaulendo, ngakhale kuti si inshuwaransi yosiyana.

Nthawi zambiri, inshuwaransi yapaulendo ndi yokwanira kuposa chitetezo choperekedwa ndi kirediti kadi. Komabe, ndizothandiza kufananiza njira zonse ziwiri, makamaka ngati mukuyenda ulendo wokwera mtengo.

Carol Mueller, wachiŵiri kwa pulezidenti wa Berkshire Hathaway Travel Protection, anati: “Nthaŵi zonse n’kwanzeru kuyang’ana chitetezo cha khadi lanu la ngongole ku inshuwalansi yaulendo. “Kutetezedwa kwa kirediti kadi sikungaphatikizepo zonse, zophatikizika, komanso zonse zomwe inshuwaransi yoyendera idzapereka.”

Ndi chiyani inshuwaransi yaulendo?

Inshuwaransi yapaulendo imakutetezani ku zotayika zandalama zokhudzana ndi maulendo. “Pali mbali zitatu zazikuluzikulu zomwe zimaperekedwa: kudziteteza, kuteteza zinthu zanu, ndikuteteza ndalama zanu,” akutero Kristina Tuna, manejala wamkulu wa Americas ndi malonda apadziko lonse ku World Nomads, kampani ya inshuwaransi yoyenda komanso wothandizira chitetezo.

Inshuwaransi yoyenda imagwira ntchito ngati inshuwaransi ina iliyonse. Pamene chochitika chophimbidwa chikachitika, monga kuti ndege yanu yaletsedwa kapena mukuvulazidwa pamene mukuyenda, mukhoza kudandaula ndi kampani yanu ya inshuwalansi. Ngati zivomerezedwa, kampaniyo idzakubwezerani ndalama zolipirira mpaka zomwe simungakwanitse.

“Anthu ambiri sadziwa kuti inshuwaransi yawo yaumoyo siyimawalipira kunja,” akutero Shane Mahoney, woyambitsa upangiri waulendo Lugos Travel. “Choncho, mkono wosweka chifukwa choterereka ndi kugwa kapena matenda a mtima akhoza kuwononga ndalama.”

Pali inshuwaransi yoyenda maulendo amodzi komanso mapulani a inshuwaransi apachaka, omwe amayendera maulendo anu onse m’miyezi 12. Malinga ndi a Megan Walsh, woyang’anira malonda pa tsamba la InsureMyTrip, mfundo zaulendo umodzi zimakonda kuwononga kulikonse kuyambira 4% mpaka 10% ya ndalama zonse zomwe sizingabwezedwe. Chifukwa chake, paulendo womwe umakutengerani $10,000 kuti mukasungitse, mudzalipira $400 mpaka $1,000 pa inshuwaransi, kutengera zomwe mukufuna.

Kupatulapo mtengo wowonjezera womwe umabwera ndi inshuwaransi yaulendo, kusiyana kwakukulu pakati pa ndondomekozi ndi chitetezo cha kirediti kadi ndikuti inshuwaransi nthawi zambiri imalipira ndalama zolipirira chithandizo chadzidzidzi komanso ndalama zothamangitsira wapaulendo kuti akapeze chithandizo chamankhwala chofunikira.

“Nshuwaransi zina zapaulendo zimaperekanso zovomerezeka za Pandemic Coverage, zomwe zimapereka chithandizo kwa makasitomala omwe ali ndi matenda a COVID-19 kapena mliri wam’tsogolo, aliyense payekhapayekha amayenera kudzipatula, kapena kuletsedwa kukwera chifukwa cha matenda omwe akuganiziridwa,” akutero a Daniel Durazo, Director. .Kulankhulana kwakunja ku Allianz Partners, kampani ya inshuwaransi yoyenda.

Ma inshuwaransi apaulendo amakhalanso opereka chithandizo champhamvu choletsa. Nthawi zambiri, chitetezo cha kirediti kadi chimalepheretsa kubweza ndalama zokwana $10,000 zokha zaulendo, pomwe inshuwaransi yapaulendo nthawi zambiri imakwera mpaka $100,000. Makhadi ambiri a kingongole amangotenganso maulendo ogulidwa ndi khadi kapena malo ake olipira.

Chitsanzo cha inshuwaransi yapaulendo

Malinga ndi Tona, chitetezo chamankhwala chomwe chimabwera ndi inshuwaransi yapaulendo “chimakhudza kuvulala mwangozi ndi matenda – monga kupunthwa mumsewu wamiyala ku Croatia kapena kupha poizoni ku Thailand.”

Ngati chimodzi mwazomwe zili pamwambazi chikakuchitikirani mukuyenda, mutha kupereka chindapusa ku kampani yanu ya inshuwaransi – mwina poyimbira wothandizira, kutumiza kapena kutumiza chiwongola dzanja, kapena kugwiritsa ntchito tsamba la kampani ya inshuwaransi kapena pulogalamu yam’manja. Nthawi zambiri muyenera kuchita izi mkati mwa masiku 90 kuchokera nthawiyo, ngakhale mukamafunsira mwachangu, zimakhala bwino.

Mukapanga chiwongola dzanja, muyeneranso kupereka umboni wakutaya ndalama zanu – risiti yochokera ku chipatala chomwe mudagwiritsa ntchito kapena chikalata chochokera kwa dokotala. Zopemphazo zikawunikiridwa ndikuvomerezedwa, mudzalandira malipiro a chipukuta misozi, nthawi zambiri kudzera pa cheke chotumizidwa ku adilesi yakunyumba kwanu.

Ndi chiyani Kutetezedwa kwa Maulendo a Ngongole?

Makhadi ambiri a kingongole omwe amalipira kwambiri amapereka chitetezo kwa eni ake aulendo, koma kutsimikizika kwenikweni kumadalira kirediti kadi. Nthawi zambiri ndege zosungitsidwa ndi khadi ili ndizomwe zikuyenera kutumizidwa.

“Inshuwaransi yaulendo wama kirediti kadi ili ndi mwayi waukulu kwa apaulendo: Nthawi zambiri imakhala yaulere kapena imaphatikizidwa ndi chindapusa chapachaka cha khadi,” akutero Durazo. “Ubwino waulendo wa kirediti kadi ukhoza kukhala wothandiza pazinthu zazing’ono, monga kuchedwa kwaulendo kapena matumba otayika, koma inshuwaransi yoyenda yokha imapereka chitetezo chodalirika pazochitika zenizeni zadzidzidzi, monga zadzidzidzi zachipatala zamtengo wapatali monga kuyendera zipatala ndi kuthamangitsidwa.”

Komabe, nthawi zina, khadi la ngongole likhoza kubisa ngozi zoopsa. Mwachitsanzo, Chase Sapphire imapereka ndalama zokwana madola 100,000 pa ngozi yomwe imayambitsa kutaya moyo, kulankhula, kumva, kapena kugwiritsa ntchito dzanja, pakati pa kuvulala kwina kosintha moyo.

Kuphatikiza apo, malire a kirediti kadi amakhala otsika kwambiri. Sapphire Card imapereka ndalama zokwana $20,000 paulendo uliwonse pakuletsa, pomwe dongosolo la Inshuwaransi ya Travel Guard’s Basic Travel Insurance limapereka chithandizo chochulukirapo kasanu.

Chitsanzo cha chitetezo paulendo wa kirediti kadi

Chitetezo chaulendo wa kirediti kadi yanu chingakhale chothandiza ngati oyendetsa ndege ataya katundu wanu. Muzochitika izi, mutha kubweza ngongole kwa wonyamula katunduyo kenako ndi wopereka kirediti kadi. Akavomerezedwa, adzakulipirani mtengo wonse wazinthu zomwe zatayika, kuchotsa chipukuta misozi chilichonse chomwe mwalandira kuchokera kwa wonyamulira.

Pazifukwa zamtunduwu, nthawi zambiri mumayenera kupereka fomu yanu yofunsira limodzi ndi ulendo wanu, umboni wa zomwe mwatenga kwa wonyamulirani, makope a malisiti aliwonse ogwirizana nawo (mwachitsanzo, mwachitsanzo), ndi makope a malisiti amtundu uliwonse. zinthu zolowa m’malo monga sutikesi yatsopano Kapena chikwama chandalama kapena china chilichonse chomwe wonyamulira wataya.

pansi

Inshuwaransi yapaulendo ndi chitetezo cha kirediti kadi zitha kukhala zothandiza ngati ulendo wanu wathetsedwa kapena mutayikanso mukuyenda, koma kusankha koyenera kumadalira zambiri zaulendo wanu ndi bajeti.

“Ulendo uliwonse ndi wosiyana, ndipo aliyense wapaulendo amakhala ndi zosowa ndi nkhawa zosiyanasiyana,” akutero Walsh. “Pa ulendo waufupi wopita ku nyumba ya wachibale ku United States, inshuwalansi yapaulendo yoperekedwa kudzera pa kirediti kadi ingakhale yokwanira.” Komabe, ngati mukupita kudziko lina kapena patchuthi chotalikirapo ndipo mukudera nkhaŵa za ndalama zosadziwika bwino zachipatala kapena kutaya ndalama. kuti muletse, mungafune kuganizira za inshuwaransi yapaulendo.”

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