Travel insurance for your trip to Cambodia. Review of Liberty Insurance - insured event in Europe Promo code for Liberty travel insurance

Tripinsurance promo codes for 2018. The most full information about how to get a discount when purchasing insurance.

Some time ago I already wrote a large, detailed review about the tripinsurance insurance company. For those who missed everything, I remind you that this is the only insurer in the CIS that cooperates with the French-Swiss assistance service Mondial (Allianz Global), which in turn has a reliability rating of “AA” on the Standard & Poor’s scale. In a nutshell and without abstruse words, these insurances belong to the premium class and have maximum coverage. Therefore, if quality is more important to you than price, then this is definitely your choice. There are included translation services, good clinics, insurance in case of flight cancellation... And many other important advantages. But I already wrote about all this in my previous report. Read it if you want. In the meantime, I’ll tell you about the disadvantages of this insurance. In fact, the only bad thing about tripinsurance.ru is that all the policies here are quite expensive. On the same Cherekhapa website, you can buy a lot of insurance online for much more low prices. There is only one way to save on tripinsurance - by using one or another special promotional code for a discount. It is about them that I will tell you in this review.

Tripinsurance discount codes

Let me start with the fact that the maximum discount that I personally saw reached 31%. As a rule, Tripinshurance company organizes such generosity festivals in honor of certain holidays. You can track information about this on the Vinny Forum, where a special thread has even been created where news about such discounts and promotions regularly appears.

Examples of promotional codes :

VICTORYDAY - 23% discount worked in May 2017 and appeared in honor of Victory Day

HAPPYBIRTHDAY – this tripinsurance ru promo code worked for only one day and was released for the company’s birthday. With its help you could get a 31% discount.

Advice: to get the maximum discount (up to 31 percent), carefully monitor the news on the Vinny Forum on the eve of certain holidays. There is a high probability that a few days before some big date the company will burst out with another promotional code. Wait a moment, and then you can buy premium insurance at the price of a regular policy.

Tripinsurance permanent (!!!) discount of 11%

If you’re not going to wait like Assol or Hachiko, here’s another option for saving. Some time ago, tripinsurance insurance company gave a special gift for the readers of my blog special promotional code for 11%. In order to use it you need to follow a few simple steps:

1. Go to the company’s website (otherwise the code will not work);
2. Find the “Promotional Code” box on the main page and enter the word ANTONBORODACHEV there.
3. All. After that, all you have to do is buy the right insurance.

If you did everything correctly, everything in your purchase column should look something like this (the old price is crossed out and the new price is next to it).

I'll post the print screen here as an example.

Where to buy insurance cheaper than on Tripinsurance

If, even taking into account the discount, the cost of the policy seems too high to you, I advise you to pay attention to the service. There are also a lot of insurance companies there that you can also trust. The best are Liberty, ERV, VTB-insutance. You simply enter the direction and dates of your trip, and the system itself will offer you the best option in terms of price and quality ratio. You can buy insurance this way using your card in just a few minutes. The purchased policy is suitable for all embassies and is sent by e-mail in electronic form. Citizens of any country (including Belarus) can purchase a policy.

A year ago, in June 2016, I got into a terrible accident, as a Yandex.Taxi passenger, due to the fault of an inadequate driver. Recognized as a victim with infliction of grievous bodily harm, with permanent loss of ability to work by 1/3, regardless of
the treatment received.

When I was healed and was able to move around the city, I went to Liberty Insurance, where Yandex’s car was insured. I paid them my first visit in Moscow on April 6, 2017. Address Semenovskaya Square, 1A Business center "Sokolina Gora". I filled out the application and submitted everything. Required documents about treatment, epicrisis, checks, forensic medical examination report, certificate from the traffic police, etc. The manager replied that the maximum payment is 500,000 rubles. The costs of treatment greatly exceeded this amount, but there was nothing to be done, at least something. The manager also said that the decision will be made in Saint Petersburg Well, in Moscow they only collect documents and send them there. And that a court verdict is needed to make a decision. I was surprised. After all, the criminal case is long, it has been going on for a year. And I am receiving treatment at my own expense. And according to the law, everything must be paid after 30 days.

Nevertheless, I went to St. Petersburg, to the address Moskovsky Prospekt, 79a. My case was handled by Nadezhda N-va, manager of the loss settlement department. Nadezhda was extremely surprised that Moscow did not consider the case, but sent it to St. Petersburg, but there was nothing to be done, what was done was done. I asked if she was satisfied with the documents. Nadezhda asked to send certificates of income for the last two years, everything else is in order. I sent the certificates and went to Nadezhda again. She assured me that everything was in order and the money would be transferred literally “by the end of the week.” And without a verdict. Nadezhda did not tell me what amount, no matter how much I tried to persuade her. This seemed very strange to me.

She deceived me. A month of waiting after our last meeting and my angry letters, I received this letter:

Elena, good afternoon!

Forgive me for not answering, this is certainly not an excuse, but I got into trouble. Due to my mistake, the money was not sent to you, the issue will be resolved today!
My apologies!!

Sincerely,
N-va Nadezhda
Claims Department Manager
Liberty Insurance (JSC)

And after that the connection was broken. I called, wrote, threatened, and shamed many times. The answer is silence. The receptionist picks up the phone and says that Nadezhda is with a client, and nothing.

Now, three months after submitting the application, it became obvious that Liberty were deceivers, and they were not going to make any payments to me.

Be careful and avoid this company. And I went further - to the court, to Rospotrebnadzor, and to the Central Bank.

Here are collected traveler reviews about Liberty insurance from all Russian forums and most Western ones. I update them every six months and these are current as of April 2017. If travel insurance is new to you, then be sure to read the most important post and most of your questions will disappear. .

Liberty Insurance, which was formerly called KIT Finance Insurance, has been operating in the Russian market for 20 years. I studied reviews about this company and compared the conditions with other insurance companies.

Despite the cheapness of the policies, many tourists criticize it. The main reason for dissatisfaction is that the company forces treatment at its own expense, and then does not compensate for the costs. Or does it very slowly.

How much does it cost: 2295 ₽ for two

One of the cheapest policies is RUB 2,295 for two weeks for two to Thailand. For a child or an elderly person you will have to pay 2,700 RUR per person.

The policy is not valid if you:

• lived in Thailand for more than 182 days during the year before taking out the policy.
• suffer from mental disorders and severe nervous diseases, dementia;
• suffer from alcoholism, drug addiction;
• have AIDS or carry HIV;
• you have medical contraindications for leaving your place of permanent residence;
• disabled person of group I
• have cancer.

Insurance conditions: difficult to understand

I always read the insurance rules and have become accustomed to heavy legal language. But Liberty Insurance's rules for tourists are a special case. If you buy insurance from this company, I advise you to carefully read each point of the rules.

Main differences from other insurances:

• The policy includes compensation for the treatment of sunburn and allergy relief.
• In case of injury, one visit to the doctor and two dressings are covered. The rest is at your own expense.
• For cases that do not require hospitalization, no more than two visits to the doctor are paid.

Like other insurance companies, you will be denied compensation if the insured event occurred while you were drunk; if your chronic disease has worsened; if you did not call the insurance company, but immediately went to the hospital; did not buy additional insurance and took up active sports; self-medicated, that is, took medications other than those prescribed by the doctor.

Judging by the reviews of tourists, it’s completely normal to refuse Liberty if your child has a fever, the assistance service can’t find a hospital for you all day and you give your child an antipyretic – that’s it! They tell you that this is all due to self-medication and refuse to pay you. A very common case.

Regular insurance is suitable for those who go to lie on the beach and see the sights. Everyone else needs to buy additional insurance." Leisure", "Sports" or " Extreme views sport".

The concept of “Active recreation” includes:

– boat ride, small boat, jet ski, towed inflatable/watercraft; water skiing; cycling; animal (including horse, camel, elephant); rollerblading; Segway; moped; scooter; scooter; motorcycle; ATV;

– Beach volleyball, beach soccer, tennis, golf;

- fishing; snorkeling; trekking up to an altitude of 1,500 m; jogging; visiting water

attractions, water parks, water slides; rafting; surfing; windsurfing;

kitesurfing.

Please note that if you ride a motorbike or other vehicle, then your insurance will only be valid if you have international driver license the desired category.

Additional options are a complete deception

By additional options, I mean what the insurance company offers in addition to your health - luggage insurance, the ability to take you out by helicopter in difficult terrain and much more. Almost none of these items will ever be paid, because each of them has a bunch of clauses hidden in the contract.

For example, let’s take an excellent option - “Excursion Cancellation Insurance” or “Trip Cancellation Insurance”. A great option that I would love, but the fine print in the contract states that excursions and trips must be purchased at the same time as the insurance (5 days before and 5 days after). We buy insurance in Russia, and excursions are already on vacation! This is initially done in order not to pay anything! And so on for each item - there will always be some crazy reason not to pay compensation.

Franchise: $30

This time it is 7051 rubles (!). Before this, we took out an insurance policy with " Liberty". Fortunately, insured events did not arise in previous trips. The following happened: having applied on January 7... than the EU. For information: EU citizens do not require any letters of guarantee from their insurance companies, they have a mandatory insurance, valid throughout the EU. I asked why they told us that we needed to go to see him... patience will run out along with our health, and we will still go to the doctor for cash. Question: why Liberty sells insurance under Schengen, without stipulating that they do not have a partner in Slovakia, which...

russalka53... , but on Liberty, at least, we managed to find it in Poland and Thailand. What attracted you Liberty, this is because people over 70 years of age (for mother) are insured, in the rules insurance said..., we are still in Slovakia, so it turned out to be an online report, I doubt that Liberty will compensate for something. Lami77, the hospital (not even the coordinates of the hospital) told us... ...Let me remind you, they promised that we would be accepted according to the policy. It turned out that the contractual obligations of Liberty not with any medical institution or doctor in Slovakia. Moreover, traveling with a sick person... we were not provided with help... And most importantly, I’m not sure that other insurance companies won’t do the same Liberty. Scary...

Taking out insurance is not a requirement when planning a trip to Cambodia. That is, there are no strict rules, as, for example, for Schengen, when you simply will not be allowed anywhere without an insurance policy and will not be issued a visa. When going to Southeast Asia, you decide for yourself whether to take out a travel policy or not, however, I would recommend not saving on this point.

Cambodia- the country is distant and unfamiliar, and in many ways the risk of getting into an unforeseen situation here is much higher than at home. No one is immune from health problems that may arise due to our body’s unfamiliarity with new conditions. Troubles such as colds, sunburn, poisoning, malaria, toothache usually appear as an uninvited guest - suddenly and without warning, besides, no one has yet canceled the desire to try something new on vacation - be it some kind of sport or trip on a bike.

I think that having such a useful piece of paper in your hands as a traveler’s policy, you will be much calmer, because, Firstly, you will always have someone to turn to for advice and help; Secondly, if necessary, you will not have to independently choose the hospital to go to (in a foreign country this is not at all easy, and even more so where not everyone speaks English); Thirdly, the amount you pay for the policy will probably be much less than what you will have to pay if you go to medical care yourself. institution. And, as they say, God protects the best, it’s good if the insurance is never needed, but it’s better to have it at hand while you relax and unwind.

In general, all the advantages of traveling with insurance are obvious; all that remains is to choose which insurance company to purchase the policy from. Usually the decisive role in the choice is played by price And assistance company, with which you will have to work after the occurrence of an insured event, that is, everything is as always - you want to find the optimal ratio of price and quality.

We are often asked where is the best place to get a policy, what would we recommend, etc. When we went to Asia, to issue policies we had to go to the office of the insurance company, wait in line, and then wait again while a slow lady entered our data. Now everything is much more convenient and simpler, because you can apply for a policy online in a few minutes (this is what we did before traveling to Mexico and the States). The choice of insurance companies offering this service is growing more and more.

Which insurance company should you choose?

Our search algorithm:

• Find all available options (companies), sort by cost.
• Find reviews about the companies, or more precisely, the “assistances” with which they work, focusing on real cases of contacting the insurance company.
• Choose the most cheap option one of those companies whose reviews turned out to be acceptable.

According to reviews and feedback from travelers who had to check the validity of insurance policies for themselves, there are a couple of companies that have proven themselves to be the best:

• Tripinsurance
• Liberty

Tripinsurance + promotional code for discount

Tripinsurans is an insurance provider of Zetta Insurance, which until recently was known as Zurich. This, of course, is all good, but the main thing you should pay attention to, as I wrote above, is what kind of assistance this or that insurance company works with.

Assistance(assistance) is the company that will interact with you directly when an insured event occurs and refer you to a particular hospital.

Tripinsurance works with Mondial Assistance(Mondial Assistance). I came across very, very many reviews on them, and almost all of them were positive - they work quickly, accurately, do not require any additional payments, and refer you to the best hospitals (if you plan to stay for a long time in one city, it is better to check which hospital they will refer you to there, so that there were no surprises, such as the need to travel to another city).

If we talk about cost, then the policy from Tripinsurance (Mondial) will not be the cheapest, but also far from the most expensive. Simply put, this is a good combination of price and quality. For example, basic travel insurance to Cambodia for two weeks with insurance coverage of 30,000 euros will cost one person 1,602 rubles. Agree, it’s not such a big price to pay for peace of mind.

Among other things, it is worth noting that Tripinsurance policies are accepted at all embassies and visa centers(in case of need).

Andryusiks and I now, for the most part, recommend taking out policies from this company and even agree with it on the possibility of providing readers of our blog 10% discount for insurance.

Liberty (Liberty Insurance)

Liberty is another leading insurance company in terms of quantity positive feedback. Work with assistance "CLASS-Assist", which is one of the very reliable ones along with the already mentioned Mondial.

A standard insurance policy for a trip to Cambodia for 14 days with an insured amount of 30,000 euros will cost Liberty 1,810 rubles. As you can see, the difference with the previous option is not that significant, so choose for yourself.

Other insurance (Cherekhapa)

Of course, in addition to these two insurance companies, there are many others. For example, you can compare the conditions, cost of services and purchase policies from such insurance companies as Rosgosstrakh (Assistance is assigned by the insurance company after the occurrence of an insured event), Alfa-Insurance (Class Assistance), Renaissance-Insurance (Global Voyager Assistance) and other lesser-known companies.

Some services will be cheaper than those of Liberty and Tripinsurance, while others will be more expensive. For example, online reviews for Ingosstrakh are also quite good, although prices are slightly higher, and not all countries have the opportunity to issue a policy.

The cost of insurance for 14 days per person with coverage of 30,000 dollars (rub.):