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An die Übernahme eventueller Rücktransportkosten sollte in jedem Fall gedacht werden
Gut geschützt Diese Versicherungen sind wichtig für den Urlaub Die Tage werden allmählich länger und die Sonnenstrahlen fühlen sich bereits um einiges wärmer an. Kein Wunder, wenn man jetzt am liebsten an den nächsten Urlaub denkt. Doch neben Hotel, Flügen und Extras sollten auch Versicherungen Beachtung finden. Es lohnt sich, rechtzeitig zu überprüfen, ob alle nötigen Versicherungen vorhanden sind und auch im Zielland den gewünschten Schutz garantieren.
Für den Fall der Fälle - Krankenversicherung Natürlich denkt niemand gerne daran, im Urlaub krank werden zu können. Umso besser jedoch, wenn im Ernstfall die Krankenkasse mit Rat und Tat zur Seite steht und im Ausland alle nötigen Leistungen übernimmt. Daher empfiehlt es sich, vorab zusätzlich eine Auslandskrankenversicherung abzuschließen und sich zu erkundigen, welche Kostenpunkte in welchem Umfang abgedeckt sind. Auch die Übernahme eventueller Rücktransportkosten sollte in jedem Fall mit eingeschlossen sein, da diese je nach Land sogar einen höheren fünfstelligen Betrag umfassen können. So hat man neben den gesundheitlichen Sorgen zumindest nicht noch zusätzlich mit Geldsorgen zu kämpfen.
Auf Nummer sicher - Haftpflichtversicherung Auch im Urlaub können kleine oder große Missgeschicke passieren. Daher sollte man sichergehen, dass auch in einem solchen Falle die Haftpflichtversicherung greift. Meistens ist so, doch ein kurzer Anruf beim Versicherer kann im Zweifelsfall Gold wert sein. Wer noch keine Privathaftpflichtversicherung abgeschlossen hat, sollte vor Antritt der Reise die Gelegenheit unbedingt noch ergreifen, insbesondere wenn es in teurere Länder geht, damit ein unbeabsichtigt verursachter Schaden nicht zum unliebsamen Urlaubssouvenir wird. Schließlich kostet eine Haftpflichtversicherung nicht viel und kann ein wahrer Segen sein. Wer mit dem eigenen PKW oder Wohnmobil auf Reisen geht, sollte sich zudem informieren, wie es sich hier mit dem Auslandsschutz verhält. Gegebenenfalls muss auch die Teil- oder Vollkaskoversicherung überprüft und angepasst werden, um in jeder Situation auf der sicheren Seite zu sein. Mietet man vor Ort ein Auto , sollte auch hier genauestens darauf geachtet werden, was seitens des Vermieters abgedeckt ist und welchen Versicherungsschutz man selbst vorweisen können sollte. Genauso sollte man aber auch auf der Hut vor unnötigen Versicherungen sein, die außer hohen Kosten keinen Mehrwert haben.
Wenn etwas dazwischen kommt - Reiserücktrittsversicherung Insbesondere wenn die Reise teure Flüge und Hotels beinhaltet, sollten unbedingt eine Reiserücktrittsversicherung sowie gegebenenfalls auch eine Reiseabbruchversicherung abgeschlossen werden. Schließlich kann es aus diversen Gründen immer passieren, dass man die Reise nicht antreten kann oder vorzeitig abbrechen muss. So bleibt zwar noch die Enttäuschung des entgangenen Urlaubs, die Kosten erhält man aber immerhin zurück. Das kann zumindest ein kleiner Trost sein und zudem lässt sich so das Urlaubssparschwein reichlich füttern, denn der nächste Urlaub kommt bestimmt.
Fazit So verlockend der Gedanke an sonnige Tage am einsamen Sandstrand, eine Karibikkreuzfahrt oder einen inspirierenden Städteurlaub auch ist, vor lauter Vorfreude sollte man die kleinen, aber wichtigen Details nicht außer Acht lassen und rechtzeitig dafür sorgen, dass der nötige Versicherungsschutz gegeben ist. Vor Reiseantritt sollten unbedingt eine Auslandsreiseversicherung und eine Reiserücktrittsversicherung abgeschlossen werden. Zudem sollte überprüft werden, ob der Schutz durch die Haftpflichtversicherung ausreichend ist. Bei Reisen mit dem eigenen Fahrzeug ist auch die Überprüfung der Kfz-Haftpflicht sowie der Teil- oder Vollkaskoversicherung ratsam.
(30.03.2022, pl)
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