Online Travel Insurance
Travel insurance is an important part of preparing for any trip abroad. Although travel insurance is not always mandatory, having a policy not only provides peace of mind and protection in the event of unforeseen circumstances, but also helps avoid additional medical expenses, which, as is well known, are significantly higher abroad than in Ukraine.
Travel insurance is required:
- for obtaining a student visa for studying abroad;
- for obtaining a work visa;
- for tourists applying for a visa to countries with which Ukraine does not have a visa-free regime, as well as to countries where having insurance coverage is mandatory for entry or stay.
The main features of travel insurance include:
- coverage period — you can choose protection for either a single trip or multiple trips throughout the year;
- online issuance — allows you to purchase a policy online within 5 minutes, saving time and avoiding queues;
- additional options — the opportunity to protect yourself against financial losses, baggage loss, loss of working capacity, as well as failure of a travel agency to fulfil its obligations.
Travel Insurance Terms from Portmone
The Portmone website and mobile app bring together a large number of insurance companies, allowing you to purchase travel insurance in just a few clicks. The service is available to any Ukrainian citizen aged 18 or older. For example, a policy can be purchased by a student travelling abroad for study or employment, or by senior travellers wishing to protect their health and well-being during a holiday or leisure trip.
To purchase a policy, you only need:
- an international passport;
- a tax identification number (TIN);
- a mobile phone number;
- an email address.
In addition, when purchasing a policy, you will need to provide the registration address or actual place of residence of the person being insured.
When choosing an insurance policy, the Portmone service allows you not only to select the most cost-effective offer, but also to consider other important aspects of coverage:
- sum insured;
- insurance coverage period;
- active leisure or sports activities coverage;
- personal support from the insurance company (Assistance);
- ratings from real customers, and more.
If you have any questions regarding the purchase of a policy (for example, how to obtain travel insurance), you can always contact the 24/7 customer support service by phone or through popular messaging apps.
Buy Travel Insurance with Portmone
To purchase travel insurance through the Portmone service, follow these steps:
- Register or sign in to the Portmone website.
- Open the Insurance section and select Travel Insurance.
- Specify your destination and travel dates, as well as the number and ages of travellers who require coverage. Click "Calculate Cost".
- Review the available offers from leading Ukrainian insurers and choose the option that best suits your budget, coverage options, and other requirements.
- Enter the personal details of the insured persons (full name, tax identification number, date of birth, phone number, email address, registration or residential address, and international passport details). Click "Continue".
- Enter the verification code sent via SMS, then provide your payment information (card number, expiry date, and security code).
- Pay for the policy.
Within a few minutes, the selected insurance company will verify the information, after which the electronic policy will be sent to the specified email address. If necessary, the insurance contract can be printed or a hard copy with an original stamp can be ordered via Ukrposhta, Nova Poshta, or courier delivery service (available only for residents of Kyiv).
Medical Insurance for Travelling Abroad
A travel medical insurance policy covers expenses related to:
- prescribed medications, as well as additional medical equipment or examinations;
- hospitalisation for up to 15 days;
- emergency medical assistance;
- dental treatment in emergency situations;
- urgent gynaecological care, including expenses related to premature childbirth;
- transportation of the insured person to a hospital or back to their home country;
- repatriation of remains in the event of death.
If an insured event covered by your policy occurs, you should immediately contact your insurance company or its representative, who will provide you with the contact details of the appropriate doctor. Please note that if you seek medical assistance independently, you will most likely have to pay for examinations and treatment yourself. If emergency medical care was provided before you were able to contact the insurer, inform your insurance company as soon as possible.
Cost of Travel Insurance Abroad
The cost of a policy depends on a number of factors:
- the country or countries you plan to visit;
- the type of trip;
- the purpose of travel (leisure, employment, or study);
- the maximum coverage amount;
- the age and number of insured persons;
- the list of insured events covered by the policy.
It should be noted that insurance policies for professional athletes are significantly more expensive, as the risk of injury and the potential severity of injuries are considerably higher than for an average tourist travelling for leisure purposes.
How to Use Medical Insurance Abroad
If you are abroad and an insured event occurs, the first thing you should do is contact your insurance company or its representative. In many cases, this can be done not only by phone but also through messaging apps (contact details are usually provided in the insurance policy or its accompanying documents). The insurer's specialist will then help you find and contact the appropriate doctor or medical facility where you can receive the necessary assistance.
If you receive emergency medical treatment, you should:
- inform your insurance company about the incident at the earliest opportunity;
- keep all receipts and documents confirming payment for medical services, as these may be required to request reimbursement from your insurer.
It is important to remember that even if the country you are visiting does not require travel insurance, purchasing a policy is still highly recommended. This way, you can receive professional assistance in the event of an accident and save significantly on medical expenses, as the cost of insurance is often dozens of times lower than the cost of medical treatment abroad.
Reliable Insurance Services on Portmone
Portmone users can not only purchase travel insurance but also buy a Green Card policy online, obtain MTPL insurance, and purchase war risk coverage.
In addition, the service allows users to pay for services provided by thousands of companies and organisations online, saving time and eliminating the need to stand in queues at payment terminals and bank branches.
Join Portmone and discover that online payments are not only fast and convenient, but also highly secure.