Things you have to know about insurances before you go on languagetrip
Going on a languagetrip of course is all nice. You pack your bag and go on a mini-adventure, learn an exotic - or less exotic - language, make friends from all over the world and be a resident of a city somewhere far away for a little while. Of course, just like you, we hope that your languagetrip goes without troubles. But there’s always a chance something will happen. Your iPhone gets stolen out of your pocket without you noticing it, you lose your sunglasses in the sand, or you break your toe while hiking. This kind off experiences are no fun. Not at home, but not at all when traveling. That's why it's nice that, if something like this happens, it will give impact your trip as little as possible and you can celebrate your holiday as quick as possible again. Having the right insurance might come in handy in this kind off situations. Insurances make you travel well prepared and carefree. But what insurances are really useful when going on a language trip and which are not necessarily?
With a good travel insurance your own luggage and some medical costs are covered. This makes the grief a little less bad when you lose your GoPro or when you accidentally step on your sunglasses during your languagetrip. You can already get a travel insurance for about 5 euros a month and it is highly recommended for a language trip (or any holiday or trip that you are about to make). If you are planning to do extreme sports; water skiing, wakeboarding or paragliding for example, the chances are slightly higher that you will hurt yourself than they are on a lazy vacation. Therefore medical costs caused by extreme sports often are not covered with a basic travel insurance, but you can most of the times add it for a few euro’s extra. In this way, medical costs because of extreme sports will also be covered. At Extralingo we currently do not offer travel insurance.
It may happen that a week before your departure an aunt, your grandfather or your dog dies. In such a case you can decide not to go on your languagetrip anymore, or to postpone your trip. In cases like this a cancellation insurance covers the costs of your booking and ensures that you’ll be able to get your money back when you decide not to go anymore. Extralingo offers such a cancellation insurance. This will cost you 6,68% of the total booking price, plus policy costs of € 5,50. With this you will get your money back if you all of a sudden are unable to start your language course due to unforeseen circumstances or you get a part of your money back when you’re not able to finish your languagetrip.
Damage and accommodation insurance
Not only your own belongings, but also the household of your accommodation can be destroyed by your fault. When you accidentally hit the TV set on your way to the bathroom in the dark for example, or when you spill a glass of red wine on the white couch. At many hotels or accommodations you pay cash deposit to cover this. Break something? Then you won’t get your deposit back. At Extralingo you never pay a cash deposit for your accommodation. Instead you are always insured for any inconvenient damage that you cause to your accommodation. This standard insurance applies to damage up to a maximum of 500 euros. So when you book your languagetrip at Extralingo, you don’t have to worry about taking an additional damage insurance .
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Hopefully it is unnecessary to report, but it is always important to have health insurance. Even if you go on vacation or on a language trip. Some medical costs abroad are covered by your own health insurance and not by your travel insurance. In the unlikely event that you end up at the doctor or in the hospital, your travel insurance will investigate whether they can recover the costs from your health insurance. You can (read: must) submit your medical costs therefore always with your travel insurance when you are traveling.