Nzira dzako dzakanakisisa dzekugara, kumarudzi ose, uye mazororo ezororo
Congratulations-mushure memakore ekuponesa uye kuronga, iwe pakupedzisira wakasarudza kutora rwendo urwu rwehupenyu hwose. Dzimwe nguva munguva pfupi, iwe uchange uchikwira ndege, uchitarisa muhotera uye uchiyambuka izvo zvaunofanira kuita pane bhaketeri rako.
Kurongedza rwendo rwako chiito chikuru, asi wakambofunga here kuti chii chingaitika kana chimwe chinhu chisina kunaka?
Zvose zvinotora ndeimwe kunonoka kumhanya , mutambo wakarasika kana ngozi yemotokari kuti uwedzere rwendo rwako rwose. Somugumisiro, iwe unogona kurasikirwa nemari nekuda kwekukanganisa kwakabatanidzwa, makamuri ehotera nekuda kwekuregererwa, kana mazendo asati abhadhara usingakwanisi kudzorera kwetikiti itsva. Mushure mekunge izvi zvichiitika, iwe unogona kufunga nezvekushanda inshuwarisi, asi zvinosuruvarisa kuti zvakanyanya kunonoka kudzoka shure munguva uye kuwedzera kune rwendo rwako.
Usati watora nguva yako inotevera, iwe unogona kutenga kutenga inshuwarisi yekufamba panguva imwechete nerwendo rwako. Nevose makambani einishuwarensi kunze uko anopa "yakanakisisa rwendo rwehushuwarisi hwekuchengetedzwa," ndeupi iwe unogona kuvimba zvechokwadi? Mushure mekubvunzurudza mazano makuru kunze uko, idzi ndiyo nzira dzakanakisisa dzekufambisa inshuwarano dzatakawana dzemarudzi ose ezororo: kune avo vanoenda kumativi ose munyika uye avo vanoenda kumativi ose enyika.
01 ye 05
Best for Domestic Travel: Berkshire Hathaway Travel Protection
BHTP Kana zvasvika kune rwendo runonoka kana kutakurwa kwemitoro, hapana chakafanana nekubhadharwa kudai kwako nokukurumidza. Berkshire Hathaway Travel Protection (BHTP) inopa izvo chete kune vafambi: kana rwendo rwako ruchienda famba nokukurumidza, unogona kuwana mubhadharo nokukurumidza.
Inovakirwa kune mufambi akabatanidzwa, imwe yezvinhu zvavo zvakakurumbira zvinoshandiswa AirCare. Kutanga pa $ 34 kuti uende mumisha, iyi hurongwa hwe inshuwarisi yekufambisa inogona kutarisa marwendo ako uye zvinowanzoisa chikwata chako panzvimbo yechiitiko chekurumidza kunonoka, kubviswa, kana kukanganiswa kusina kukwana. Kune avo vanoda zvinyorwa zvinowedzera (kufambisa mutoro kurasikirwa), kutumira zvinyorwa zvakajeka sekutora mufananidzo pane smartphone yako uye kuifungidzira iyo kune kuda kwako.
Kana kukwira kwako kwepamba kuchibviswa, iwe unogona kukwana $ 150 yakagadziriswa. Iwe unofanirwa kubatisirwa padharamu kwemaawa anopfuura maviri, unogona kukwira kusvika ku $ 1 000 muzvikwereti. Uye kana mabhegi ako asingasviki ku-airport, unogona kukwira kusvika $ 500 parwendo kuti uwane zvimwe zvezvinhu zvako. Zvikwereti zvinokurumidza kubhadharwa? Maererano neBHTP Kushandisa zvakaderera pamitemo yakabvumirwa apo kadhi yebhengi kana imwe nzira yeEFT inosarudzwa semhando yekuda kubhadhara-asi inowanzoenderana nekukurumidza kubhengi yako inogamuchira mari.
02 of 05
Yakanakisisa Kufambisa Munyika Yose: APRIL Travel Insurance
APRIL International Kana uchigadzirira kuenda kune dzimwe nyika, hakuna chimwe chinogumbura kupfuura kungoyeukeuka apo pane mapepa ako ose, asiwo uchiyeuka kuti ungaisa sei kudai. Apa ndipo apo APRIL Travel Insurance inodarika zvinotarisirwa: imwe foni, uye kudai kwatotanga.
Uine mahofisi munyika dzinopfuura zana, APRIL inopa "Minimum Less Benefits" kubva kupi zvako kwauri munyika. Kana iwe ukaona chiitiko chakavharidzirwa, zvose zvaunofanirwa kuita nderekushevedza, kutumira tsamba kana e-mail, kana kunyange Skype kubva muimba yako yehotera kuti utange basa. Tende ravo rinotanga nzira yekuisa chibvumirano chako uye unoita kuti vhudzi idzva dzenyu dziende kumba, makamuri ehotera uye kushanyira kwachiremba zvakavharwa.
Kunyange zvazvo kambani inopa zvikamu zvakawanda zve inshuwarisi, chimwe chezvinyorwa zvavo zvakakurumbira ndiyo Economy Plan. Pasi peurongwa uhwu, vafambi vanofukidzirwa kuenda kunofamba kana kukanganiswa, zviitiko zvine chokuita nemhepo, zviito zvehugandanga, uye kufamba kunonoka.
03 of 05
Best for Vacations Vacations: AXA Assistance USA
AXA Imwe yemainishuwarenesi akare uye akawanda zvakasiyana-siyana uye makambani emari munyika, AXA Assistance USA inopa rakasimba kufamba inshuwarano chirongwa chevatasvi vemabhiza vanove vakapa zvinhu zvose mukufamba kwavo. Pasinei nemamiriro acho ezvinhu, AXA Assistance USA ine chirongwa che inshuwarisi chinogona kubatsira.
Pasi peurongwa hwavo hwePlatinum, vanofambisa vanochengetedza zvisizvo zvisinei nemamiriro ezvinhu asinganzwisisiki, kusanganisira vanotakura mari, kushanda basa layoff, nezvimwewo. Ichi chirongwa chinouyawo nezvimwe zvingasarudzwa zvekutenga zvezviri mumamiriro ezvinhu ose, kusanganisira Cancel yeChina Chikonzero cheshuwarisi , uye Cancel for Work Reasons inshuwarise.
Zvisinei, kuitira kuti tibatsirwe nezvikomborero izvi, vanofambira vanofanira kukurumidza kutenga kutenga mafirimu avo. Nokuda kwehupfumi kushandiswa, vafambi vanofanira kuisa mari yavo yekubhadhara inishuwarenzi mumazuva gumi ekugadzirisa zvikamu zvekutanga zvekufamba kwavo. Sezvo nehuwandu hwehuwandu hweinishuwarenzi dzezvirongwa, Bvisa Chikonzero Chipi-chinobvumira vanofambira kuti vadzore ruzhinji rwendo rwavo mari kana vachikwanisa kubvisa chikonzero chisingawanikwe-ndicho chiwedzera-chigadzirwa.
04 of 05
Nzira Yakanakisisa Yokuenda Kune Mungozi: IMG Global
Zvinosuruvarisa, nyika inogona kuva nzvimbo ine ngozi kune munhu asina kufanira. Kubva pamusungo wehugandanga, kune zvinokonzera rufu kune dzimwe nyika ( izvo zvisingasanganisi sharks ), dambudziko rekurwara nekukuvara nguva dzose riripo mukufamba.
Kune avo vanogona kunge vaine imwe yendefisi yekufambisa kugovera pamakadhi avo emakadhi asi vachida kuwedzerwa kwezvehutano, IMG Global inopa mushonga-chete chigadzirwa. Vachikwirirana nechechi yakaderedzwa, zvirongwa zvavo zvehupfambisi dzehufambi dzinopa huwandu hwakanyanya hwekuchengetedzwa kwehutano hwekukurumidzira, kutarisirwa kwehutano huripo, uye kubuda kwechiremba.
Pamusoro pemigumisiro iyi, zvirongwa izvi zvehupfambisi dzehutano hazvipi chero chinhu chinopfuura kurapwa kwechiremba. Muchirongwa chavo chekutanga chePatrioti Travel Medical Insurance, hapana kugoverwa kwekufambisa rwendo, kuenda kunonoka, kana kushamwaridzana kusina kukwana. Iva nechokwadi chokuti unonzwisisa dzose mafambisi ehurumende yehufambiro yaunayo asati usarudza kutenga chinhu ichi.
05 of 05
Kunyanya Kubuda Kwemari Inishuwarenzi: Global Guardian Air Ambulance
Global Guardian Muchiitiko chisingadikanwi iwe unoda kubata mhepo yegurisi yemumusha, kuwana imwe inogona kuva yakatenga kutenga. Zvichienderana nokuti uri kupi, kubuda kwechiremba kunogona kutenga mari inodarika $ 10 000 , pamusoro pekurapa uye kutakura pasi.
Inhorensi yeGlobal Guardian Air Ambulance inopa kugoverwa kwevaya vanofambisa zvikuru nezvekuenda kumusha mushure mekudaidzira. Pavanenge vapindwa muchechi makiromita anopfuura 150 kubva kumusha wavo mukuru, Global Guardian Air Ambulance inopa kuendeswa kwechiremba kudzokera kuUnited States kana kuCanada. Mazano avo emishuwarenzi anowanikwa kwemwedzi mitanhatu kana kusvika kune rimwe gore.
Zvakafanana nemimwe michina yezvokurapa, hapana zvimwe zvekugadzirisa zvinoshandiswa pamwe chete neurongwa. Icho chikwata ndechokuti vafambi vanogona kugamuchira kusvika kumabhiri maviri emagetsi ekurapa kubudiswa kwegore gore, zvisinei nokuti mari yakawanda.