Zvese zvaunoda kuzive usati wazvitenga chirongwa cheUrvelex Insurance
Kunyange zvazvo zvisiri izvo zvakanamana zvakananga nekambani yake yezitaina, Travelex Insurance Services ichiri chimwe chemazita anozivikanwa zvikuru makambani eishuwarenzi mumafambisi. Kupa zvinhu zvina zvakasikwa, Travelex anozviisa mubhadharo shoma yevaya vanofambisa zororo ravo, kunyanya pamapurisa.
Ndezvipi Zvishandiso zveAinshuwarisi yeInishuwarenzi mune radhi yako? Kana zvakadaro, ndiyo iyo yakasarudzwa yakakodzera yefambiro yenyu yehupenyu inshuwarheni?
Takaita tsvakurudzo uye tinoputsa kugoverwa kuitira kuti iwe ugone kuita sarudzo yakanaka kune yako inotevera yendege yenyika.
NezveArains Insurance yeTravelex
Dhipatimendi reInishuwarenzi yeTravelex yakatangwa pakutanga seyo inshurensi yekufambisa ruoko rwekambani ye Mutual of Omaha, uye ichiri muzinda weOmaha, Nebraska. Muna 1996, kambani yeBrithani Travelex Group yakatenga iyo inshuwarisi yepaifambi yekufambisa, ichidzorera kambani iri pasi pezita rimwechete seyokushandiswa kwemari yemari. Ukama ihwohwo bedzi hwakagara kwemakore makumi maviri, apo Travelex Inishuwarenzi yakatengeswa kuAustralia Bhuku Rakafukidzwa-Rakawanda, ikambani yakakura yekambani inonyanya kuisa inshuwarisi yekufamba, rubatsiro rwezvehutano uye rubatsiro rwevashandi.
Kunyange zvazvo Boka Rakafukidzirwa iri kambani yeAustralia uye inotengeswa kuAustralia Stock Exchange, Travelex Insurance Services inopa maitirisi ekufambisa kune vanofamba pasi pose. Iyo kambani inonyanya kuongorora marongerwo ehurumende yemainisitiri, pamwe chete neaya akafanirwa zvakananga kune ndege.
Ndezvipi Utano hweInishuwarenzi yeTurvelex Inotaridzirwa?
Kunyange zvazvo Travelex Inishuwarenzi yaimbova chikamu che Mutual of Omaha, kana kambani yavo yevabereki vepakutanga kana kambani yavo yemubereki ikozvino inonyora inshuwarisi yavo. Pane kudaro, mapurisa akanyorwa neBerkshire Hathaway Specialty Insurance Company, yaichimbozivikanwa se Stonewall Insurance Company.
AM Best Rating Services inopa Berkshire Hathaway Specialty Insurance Company yavo yakanakisisa, A ++ Superior, ine tarisiro yezvamangwana.
Kunyange zvazvo Berkshire Hathaway iri kunyorwa pasi neTravelex Insurance Services 'zvinhu zvina zvinotengeswa, izvi hazvifanirwe kuvhiringidzwa neBerkshire Hathaway Trip Protection . Zvinhu zviviri izvi zvakaparadzana zvachose kubva kune mumwe nemumwe, nehutano hwakasiyana-siyana yehushuwarenzi, mazinga ekugovera, uye inshuwarimi.
Pamusangano wevashandi, Travelex Insurance Services yakagamuchira zvikwereti zvakakwirira nevose vasiri Vashandi Vezvinhu zvekushandisa uye kusafambisa inshuwarano kuenzanisa nzvimbo yepa Squaremouth. Pakutengesa Zvinhu, Travelex Insurance Services yakagamuchira huwandu hwekugutsikana huwandu hwe4,5 hunotanga kubva pavashanu, uye vazhinji vachiratidza kugutsikana kwavo nekuva nemibvunzo yakapindurwa nevanishuwarenzi, pamwe chete nematongerwo enyika. Vashandi ve Squaremouth vanopa iyo inishuwarenzi hune huwandu hunokwana 4.45 nyeredzi kubva pa5, uye ine mapurogiramu anopfuura 49,000 akatengeswa.
Mashoko asina kunaka pane mawebsite maviri aya akakomberedza mutengo wekufambisa hurongwa huripo, pamwe chete nebasa rese revatengi nekuda kwemhosva dzinodanwa. Kuongororwa kusina kunaka kwakaratidza kuti zvirongwa zvavo hazvina kufukidza dzimwe nguva dzekukurumidza panguva dzekufamba, asi vafambi vakwegura vakataura kuti hurongwa hwehushuwarisi hwaive hwakakosha kusvika pamakore zvichienderana nezera.
Chii Chichiendesa Inishuwarenzi Miti Inoshandiswa neTravelex Insurance Services Inopa?
Huduma dzeInishuwarenzi yeTravelex inopa zvirongwa zvina zvakakosha zvevaya vanofamba: mazano maviri ekufambisa inishuwarenzi, uye maviri ayo anowirirana zvakapoteredza nharaunda yekufambisa. Zvose zvirongwa zveinishuwarenzi zvinopa kusununguka kwemazuva gumi nemashanu-kutarisa kwenguva yakasunungurwa kana usina kutora rwendo rwako kana kutumira kudai, zvimwe zvipo zvekutenga kwekutanga (kusanganisira yaimbovapo yaimo yaiver), kugoverwa kwevamwe vanofamba pane chirongwa , kufamba kunonoka kunobatsira pahupenyu hwehutano hwehupenyu hwose. Zvichienderana nemhando yorwendo rwauri kutora uye mabasa auri kuronga kuita, chirongwa choga che inshuwarisi chekufamba chinopa chimwe chinhu chakasiyana nekufunga.
Ndapota cherechedzai: zvose zvirongwa zvezvipo zvinogona kuchinja. Nokuda kwehuwandu hwehuwandu hwehupfumi, taura neTravelex Insurance Services.
- Travelex Travel Basic: Iyo yakaderera yehutano inshuwarisi iripo, Travelex Travel Basic ndiyo inopinda mazinga-inshuwarano yehurumende inshuwarano inotarisana nezvikomborero nehukuru. Vatariri vari pasi peurongwa uhwu vanogona kugamuchira kusvika kuzana muzana yehupenyu hwavo hweinishuwarenzi zvinodhura kusvika pa $ 10 000 nokuda kwezvikonzero zvekuregererwa kana kukanganiswa, kana $ 200,000 kune vose vanofambira purogiramu imwe chete. Uyezve, kana uri kubhadhara rwendo rwako pamakiromita kana makiromita, iwe unogona kukodzera kune vanogara mufambi vanobhadhara madhora mazana maviri ekudzikinura mari kana iwe uchikamanikidzwa kurambidza rwendo rwako kune imwe mamiriro ezvinhu.
Ichi chirongwa chinouyawo nekumhanya kunonoka kunobhadhara $ 250 pazuva, uye zvakanyanya kubhadhara $ 500. Mutoro kunonoka kunobatsira kunowanikwa pa $ 100, nepamusoro pekutakurwa kwematokari uye maitiro anobatsira ma $ 500.
Kurapa mari yekurapa kwakaiswa pa $ 15,000, neine $ 500 inowanikwa muhutano hwemazino. Muchiitiko chaunogona kudikanwa nekukurumidza kubuda, kana zororo remufambi inoda kudzorerwa kumusha, izvo zvinowanikwa zvinowanikwa pa $ 100,000. Aya mazano anongoshanda chete kana uri kufamba rwendo rwemakiromita zana kubva kumusha wako wekutanga.
Kana iwe uchikwanisa kutenga mukati memazuva makumi maviri ekubhadhara kwako kwokutanga, iwe unogonawo kukwanisa kuwana mamwe mafairo matatu: huripo huripo hunenge huripo huri kuregererwa , uye kuregererwa kwekufamba kana kukanganiswa nekuda kwekushaya mari kana zvikonzero zvebasa. Zvimwe zvikwereti zvinosanganisira air common carrier carrier nokukurumidza rufu uye kuputsika, uye kuvhara motokari kuparadzaniswa.
Verenga purogiramu yemabatsiro - Travel Travelex Sarudza: Kune vafambi vari kuronga rwendo rurefu, varonga pavanoita mabasa ane ngozi pavanenge vachifamba, kana kuti vanoda nzvimbo yakakwirira yekugovera, Travelex inopawo Travelex Travel Select. Zvakafanana neTravelex Travel Basic, chirongwa ichi chehushuwarisi rwendo rwechipiri chinopa zvakawanda zvakafanana, asi nemiganhu yakakwirira uye zvimwe zvingasarudzwa.
Iri chirongwa rinopa kusvika $ 50 000 rwendo rwokurasikirwa, uye kupotsa kwekufamba kunobatsira kusvika kusvika 150 muzana yezendo dzinofambisa. Zvimwe zvikomborero zvinowanikwa purogiramu iyi zvinosanganisira kusvika ku $ 1 000 nokuda kwekudzoka kwemhepo muitiko wekuparara kwekufamba kana yepakutanga ndege inodhura iri pasi pe $ 700, kusvika pamadhora mazana maviri ekubhadhara mari yechirenda uye kusvika ku $ 200 kuti yakanonoka mitambo kana gorofu.
Izvo zvinobatsira kune mamwe maitiro akafanana mafambiro akawedzera zvakare. Pasi peurongwa urwu, unogona kuwana kusvika ku $ 250 mukubhadhara zuva nezuva mukurumidza kunonoka ne $ mazana, kusvika pa $ 750 kuti uvhare ukama hwakashata, uye kusvika ku $ 200 nokuda kwekutakura mitoro. Kana mabhegi ako kana zvimwe zvinhu zvako zvakarashika, unogona kuwana kusvika ku $ 1 000 kuti uwane zvinhu izvozvo.
Kurapa kwezvechiremba kunopawo miganhu yakakwirira: Travelex Travel Select plan inopa kusvika $ 50,000 muhutano hwekurapa, uye kusvika kusvika ku $ 500 zvekuvhara mazino epoda. Emergency evacuation uye kudzorerwazve kwezvimedu zvakasimudzirwa kusvika kuma $ 500,000. Paunenge uchitenga mukati memazuva makumi maviri ekugadzirisa kubhadharwa kwako, iwe unogonawo kukwanisa kubhadharwa zvakare, kusanganisira iyo yakagara iripo yekusagadzikana waiver nekuregererwa kwekufamba kana kukanganisa nekuda kwekushaya mari. Urongwa urwu harwupi rwendo rwokurasikirwa kana kukanganiswa nekuda kwezvikonzero zvebasa.
Kusarudzwa kwekuzvisarudzira kunosanganisira Cancel yeChina Chikonzero cheshuwarisi, iyo inogona kukubvumira kubvisa rwendo rwako nokuda kwechikonzero chisingawanikwe uye kugamuchira 75 muzana yefambiro yako yekufambisa zvakare, uye mamwe maInishuwarenzi Ekufa uye Kurasikirwa Kwekufambisa kwekutenderera kune imwe nzvimbo inotakura vatakuri. Kana uchigadzirira kupinda muchikwata chekudaidzira, chakadai sokukwira kwedombo, imwezve chirongwa chekuita zvemitambo yezvokudya chinogona kuwedzerwa kune ino . - Nhamba yeFreevelex Inofanirwa: Kusiyana nedzimwe nzira dzeTurvelex dzinofambisa inshuwarheni, Ndeyekuchengetedza Ndekuvhara chete zvinogona kuipa paunenge uchibhururuka uchienda kunzvimbo yako. Kubatsira Kuvhara Ndeyezasi kwezvirongwa zviviri zviripo, uye zvitatu zvokusarudzwa kweAccidental Death uye Kupararira kwekuregererwa paunenge uchibhururuka kune imwechete mutakuri: $ 300,000, $ 500,000, kana $ 1 mamiriyoni muhuwandu.
Ichi chirongwa cheinishuwarenzi yekufambisa chinopawo kusvika $ 100 muhuwandu hwekufamba kwenguva, pamwe nekubatsira rubatsiro. Kunyangwe uwandu hwekugovera huri nani kana huchienzaniswa nezvamungagamuchira kuburikidza nemakadhi ako ekwereti , iyo inonyanya kushandiswa nemishandiro yemainshuwarisi - zvichireva kuti ichabhadhara nekuda kwekutsvaga kwako mberi kwekuti mamwe maitiro e inshuwarheni apera.
Verenga bhurocha reinshuwarisi. - Nhamba yeFreevelex Inonyanya Kuwedzera: Kwokuti Kuvhara Ndekupi inofambisa ndege inoshuwarenzi michina, Flight Insure Plus ndiyo imwe purogiramu yakasimba inopa hupamhi hwepamusoro. Kamwe zvakare, inshuwarisi inotangira inosarudza nhamba yako yeAccidental Death uye Kuregererwa kwekuvhara apo paunenge uchibhururuka mumwe mutakuri: $ 300,000, $ 500,000, kana $ 1 mamiriyoni.
Kubva ipapo, Flight Insure Plus inopa zvakawanda zvakapararira kupfuura yehutano hwehutano hwe inshuwarisi. Mukuwedzera kusvika kusvika ku $ 100 mufambiso kunonoka kugoverwa, iyi yehuwandu yekuparidzirwa inouyawo kusvika ku $ 1 000 mumigodhi uye maitiro ehuwandu hwekugoverana, kusvika ku $ 500 mukutakura kunonoka kugoverana, kusvika kusvika $ 10 000 muhutano hwehutano hutsva ne $ 500 mazino sublimit, uye $ 100,000 muhutano hwekukurumidza kubuda uye kudzorerazve.
Kunyange zvazvo chirongwa ichi chinopa hurasi yehutano inshuwarheni, hahupi huripo huripo huripo huripo hwekupihwa kwekutanga kutenga. Pane kudaro, chirongwa ichi chinouya nemazuva makumi mapfumbamwe nemazuva masati apfuura-kutarisa nguva yekudzokera shure: kana une chirwere chekurapa chinoitika mumazuva 180 ekupedzisira kubva parwendo rwako, hazvigone kuvharwa pasi peurongwa.
Kufanana neTravelex Flight Inishuwarenzi, ichi ndicho chinhu chikuru cheshuwarisi. Nokudaro, chirongwa ichi chinogona kushanda musati mimwe hurongwa hwe inshuwarisi hwapera, zvichienderana nemamiriro ako ezvinhu.
Chii Chisingagone Kuvhara Inishuwarenzi yeTravelex?
Sezvo nepurogiramu yese yehushuwarenzi, urongwa hweTurvelex Insurance Services hune huwandu hwekugovera zvishoma. Kana mamiriro ako akawira pasi peimwe yezvikamu izvi, rako rehuisi inshuwarisi inogona kurambwa.
- Kukuvadza kunokonzerwa nekuzvikuvadza: Kana iwe kana mumwe munhu pasi peurongwa hwako unosangana nechiitiko chepfungwa, chirwere chepfungwa kana chepfungwa uye kuedza kuzvikuvadza, hazvizofukidzwi nehutano inshumo. Kana iwe uine hanya pamusoro peizvi, zvakakosha kufunga nezverongwa hwekuchengetedza uye kurongedza kana rwendo rwuripo.
- Kubata pamuviri kana kuberekwa kwevana: Sezvo nehuwandu hweinishuwarenzi dzekufamba, kuberekwa kwakakwana kana kubereka kune dzimwe nyika hazvifukidzwi pasi peTravelex Insurance Services mazano. Zvisinei, zvinetso zvisingafanoonekwi kubva pamuviri zvinogona kuonekwa mune dzimwe mamiriro ezvinhu.
- Kushanda muzviitiko zvepamusoro-chemitambo kana motorsports: Kana iwe uri muchengeti wepamusoro-soro, unofanirwa kuziva kare kuti chirongwa chekushandira inshuwarheni hachizofukidzi kukuvara chero kupi zvayo kubva mukukwikwidzana.
- Kukwidza kweGomo: Kana uchida kutsva-mazai, anchors, mabhoti, makanda, makaravhabhi, kana zvimwe zvigadzirwa zvakakosha kukwira mugomo, saka chirongwa chekutanga chingave chisingafukidzi chiitiko chako. Funga kuwedzera pane imwe nhandare yezvokudaidzira kuwedzera pane yako inshuwarano hurongwa kana iwe uchida kukwira makomo.
- Kukuvadzwa semugumisiro wezvinodhaka kana doro zvinoshandiswa: Kutenda kana kwete, zvinowanzoitika kudhakwa nemishonga zvinokonzera kuwedzera kufa kwevashanyi kupfuura kurwiswa kwechika gore negore. Kana iwe ukakuvara nekuda kwekunwa kana kushandisa zvinodhaka, iwe haugoni kuvharwa pasi peurongwa urwu.
- Kufamba kutorwa pamusoro pezano rechiremba: kana chiremba wako akukurudzira kuti urege kufamba, zvingava pfungwa yakanaka yekugara kumba. Kana iwe uchifamba chero ipi zvayo, inshuwarisi yekufamba ingasakwanisa kukubatsira: kana ikawanikwa iwe uchifamba uchirwisana nezano rechiremba, ipapo kuda kwako kunogona kurambwa.
- Kubatanidzwa muhutano hwehurumende: Pane nzira dzakanakisisa dzekubatsira kune imwe nyika kunze kwekuita muchibvumirano kana zvimwe zvinetso zvevanhu. Kana iwe uchikuvadzwa kana kuurayiwa nekuda kwechirwere chehurumende kana chiito chehondo, iyi chirongwa che inshuwarisi yekufamba haifaniri kubvisa kuda kwako.
- Kufambisa kwezvechiremba: Kunyange zvazvo vakawanda vanofamba vachibva kuUnited States kunotsvaka mari shoma pamabasa, inzvimbo yakakura yekambani dzeshuwarenzi. Kunyange zvazvo vamwe vezvehutano vehutano vanogona kuvhara maitiro ekufambisa kwezvokurapa , Travelex Inishuwarenzi haingabvi kukuvadzwa kubva kune zvekurapa.
Ndingaisa sei kudai neTurvelex Insurance?
Kana uine chirongwa cheTurvelex Insurance Services, iwe unyorera sei kudai kunobva kune wawakatenga chirongwa chako kubva. Nokuda kwezvirongwa zviri pamusoro, zvirevo zvizhinji zvinogona kuiswa paIndaneti kuburikidza nekushanyira webhusaiti yeTravelex Insurance Services uye kuendesa nhamba yepurogiramu yako. Iwe unogona kuwana ruzivo urwu paTravelex Policy yako, Tsanangudzo yeBhuku, kana Chivimbiso cheKuti.
Kunyange zvazvo vazhinji vanogona kutumirwa paIndaneti, vamwe vanokuda kuti utore uye kutumira mafomu mukutarisa. Kana uine mibvunzo pamusoro pekuti kuda kwako kuchaitwa sei, taura neTravelex Insurance Services zvakananga pana 1-800-228-9792.
Ndiani Inishuwarenzi yeTravelex Yakanakisisa?
Kakawanda, Travelex Inishuwarenzi inopa zvirongwa zvina nemhando dzakasiyana-siyana dzekugovera, izvo zvinoreva kuti iwe unofanira kunyatsoongorora rwendo rwako nemabasa usati wazvitenga chirongwa che inshuwarisi yekufamba. Kubva pane zvatinoongorora, tinotenda kuti chirongwa chakanaka cheTravelex Insurance Services ndecheTravelex Travel Select yavo, nokuti inopa huwandu hwakawanda hwekugoverana nehuwandu hwekuwedzera-pane. Kana iwe uri kuronga rwendo rurefu kana rukuru, kunyanya kune nzvimbo uko kuchengetwa kwehutano kungave kusingawanike nyore nyore, Travelex Travel Select chirongwa chaunogona kufunga pamusoro pekuenzanisa kwehutano uye kushandiswa-based based coverage.
Usati watenga mamwe mazano eTravelex Insurance Services, iva nechokwadi chokuti unonzwisisa kuti ndeapi mamwe mazinga ekugoverwa angave atove nawo. Nokuti mapurogiramu maviri anovhara ndege chete, nepo Travelex Travel Basic chirongwa ine muganhu wepamusoro wepamusoro wekufamba kunonoka uye mutoro kunonoka, zvirongwa zvichibva pamakadhi echikwereti kana zvimwe zvirongwa zvingapa humwe huwandu husina humwe kutenga.