FAQ (Frequently Asked Questions)

Financial Protection:

• • Coverage for medical expenses abroad, which can be extremely high
  • Protection against the loss of prepaid expenses in case of trip cancellation
  • Compensation for lost or delayed luggage

Medical Security:

• • 24-hour assistance in case of an emergency
  • Coverage for hospitalization and repatriation expenses
  • Access to medical care without immediate financial burden

Peace of Mind:

• • Travel with confidence knowing you’re protected
  • Handle unforeseen situations without stress
  • Receive professional support in any emergency

When It Is Mandatory:

🇪🇺 Schengen Countries (for visa issuance)

If you are a citizen of a country outside the Schengen area and need a visa to travel to European Union countries, travel insurance is mandatory for your visa application. The insurance must cover:

• • Medical expenses of at least €30.000
  • Repatriation costs
  • Validity in all Schengen countries
  • Coverage for the entire duration of the trip

Schengen Countries: Austria, Belgium, France, Germany, Greece, Switzerland, Estonia, Iceland, Spain, Italy, Croatia, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Norway, Netherlands, Hungary, Poland, Portugal, Slovakia, Slovenia, Sweden, Czech Republic, Finland, Denmark

Other Countries With Mandatory Travel Insurance:

• • Cuba: Mandatory for all visitors
  • Ecuador: Required, especially for visits to the Galápagos Islands
  • United Arab Emirates:For certain types of visas (long-term stays)
  • Turkey: Required for specific types of e-Visa
  • Iran:Required for visa issuance
  • Qatar: Mandatory for all international visitors
  • Saudi Arabia: Coverage required for COVID-19
  • Rwanda: Health insurance required
  • Lebanon: Health insurance required with COVID-19 coverage
  • Seychelles: Mandatory for entry
  • Algeria, Argentina, Aruba, Georgia, Jordan, Cambodia, Morocco, Moldova, Nepal, Togo

Tip: Always check the latest requirements for your destination country before traveling, as regulations may change.

• • Single Trip: Provides coverage for a specific trip. If you plan to travel to more than one country during the same trip, all destinations must be declared.
  • Annual Multi-Trip: Provides coverage for multiple trips within a year. You can choose a plan based on the countries you intend to visit.

Available Options Include: Schengen Zone, Worldwide excluding the USA, Canada, Australia, Japan and Worldwide with no country exclusions. Each single trip must not exceed 92 days in duration.

At SoEasy Travel Insurance, we cover all destinations, regardless of the country from which your trip starts. As our slogan says: “From Anywhere, to Anywhere.” For single trips, make sure your coverage is valid by selecting all the countries you will visit in the designated field.

The most common and basic coverages are outlined below. Coverage amounts vary depending on the policy and provider, and some coverages are offered as optional with an additional premium.

Medical Coverages:

• • Medical, hospital, pharmaceutical, and surgical expenses abroad
  • Emergency medical expenses related to COVID-19
  • Emergency dental treatment
  • Medical transportation / repatriation
  • Repatriation of remains

Accident Coverages:

• • Personal accident or death
  • Permanent total disability
  • Permanent partial disability

Travel Coverages:

• • Trip cancellation
  • Flight cancellation
  • Flight delay

Luggage & Personal Belongings:

• • Loss of luggage
  • Luggage delay
  • Loss of credit card
  • Loss of personal money
  • Loss of passport/documents

1. Trip Cancellation or Interruption You are covered if:

• • You are placed under mandatory quarantine for at least 24 hours during the trip on a doctor’s order (not due to a government-wide mandate in the area).
  • You test positive for COVID-19 at your departure point and are not allowed to continue your trip.

2. Emergency Medical & Other Expenses

• • Emergency medical expenses in a hospital are covered if you contract COVID-19 during your trip.
  • Repatriation costs, if necessary, are covered.

3. Loss of Departure

• • Coverage is provided for trip delays due to COVID-19.

Important Limitations:

You are not covered if:

• • You purchased the insurance or booked the trip after testing positive for COVID-19 or while awaiting test results, and the trip starts within 14 days.
  • Cancellation is due to a government-mandated self-isolation or local contact-tracing orders.
  • Costs of COVID-19 tests are not covered.

Required Documentation for Claims: To validate a claim, you must provide written proof of a positive COVID-19 test within 14 days before the start of the trip (for cancellation), or during the trip (for interruption).

What Is Covered:

• • Only emergency situations for immediate pain relief
  • Treatment of pain, infection, and removal of problematic teeth
  • Coverage applies only to natural teeth

Coverage Limits:

Coverage amounts are listed in the Coverage Table of your insurance policy.

What Is Not Covered:

• • Preventive treatments
  • Cosmetic procedures
  • Planned dental work
  • Pre-existing dental conditions

Note: Keep all receipts and medical certificates for your claim.

When to Contact:

Traveling to the USA: Immediately upon realizing you need medical care

All other countries: When you are informed that you will be admitted for at least one overnight stay

Emergency situations: If it’s not possible to call beforehand, contact the insurance company as soon as possible after admission

Why It’s Important:

• • Immediate payment of medical expenses at the hospital
  • Medical support and guidance
  • Approval for repatriation or medical transport expenses

Consequences of Not Contacting:

• • Claims may be limited if delays increase costs
  • Transport or accommodation expenses may not be covered without prior approval

Note: The 24-hour assistance contact details are listed in your Insurance Certificate. For treatment costing less than €200, you may pay directly and request reimbursement upon your return.

What Is Covered:

• • Loss, theft, or damage of luggage
  • Temporary baggage delay (>12 hours)

What Is Not Covered:

• Excluded items: Loose gemstones, contact lenses, hearing aids, dental appliances, antiques, musical instruments, documents, bonds, food, bicycles, skiing/golf equipment, professional equipment, cash
• Excluded situations:
  • Valuables left unattended (except in a hotel safe or locked accommodation)
  • Luggage left unattended in a vehicle (unless locked out of sight and broken into)
  • Normal wear and tear, mechanical failure
  • Delays caused by customs authorities

What to Do in Case of Loss or Theft:

Immediate Actions:

1. Notify the local police within 24 hours and obtain a written report

2. For airline-related issues: Submit a Property Irregularity Report (PIR) and inform us in writing

3.For hotels or transport providers: Obtain a written report

4. Keep all tickets, baggage tags, and original receipts of items

Note: A deductible (excess) may apply as stated in your Insurance Certificate.

Trip Delay or Cancellation Coverage

This coverage applies when your booked transportation (plane, ship, train) is delayed or canceled due to:

• • Accidents or mechanical failure of the vehicle
  • Strikes or adverse weather conditions

What It Covers:

• • Compensation for every full 12-hour delay (meals, phone calls, etc.)
  • If the delay exceeds 24 hours and you decide to abandon the trip, it covers non-refundable expenses
  • If you continue the trip after a 12-hour delay, it covers the cost of pre-booked events you missed

Optional Missed Departure Coverage

If you choose this optional coverage, it applies when you personally fail to reach the airport/port on time to board your booked transportation due to:

• • Vehicle breakdown
  • Road accident
  • Strikes or adverse weather conditions
  • Positive COVID-19 test before boarding

What It Covers:

• • Additional accommodation and transport costs needed to reach your destination or return home

In Simple Terms:

• • Trip Delay: You reach the airport, but the flight is delayed/canceled → You receive compensation
  • Missed Departure: You don’t reach the airport in time and miss the flight → Extra costs to continue the trip are covered

Important: You cannot claim both coverages for the same event.

1. Personal Liability (up to €100,000)

If you accidentally cause bodily injury to third parties or damage someone else’s property (e.g., breaking items in a hotel), compensation and legal costs are covered.

2. Bail Advance (up to €10,000)

In case of arrest for unintentional offenses, the insurance provides an advance to cover bail for your temporary release.

3. Legal Assistance (up to €5,000)

Covers legal representation costs and advisory support abroad.

4. Kidnapping / Piracy / Hijacking (€50/day, up to €6,000)

In the event of illegal detention, a compensation of €50 is paid for each full 24-hour period.

What Is Covered

The insurance pays compensation if you suffer bodily injury which, independently and solely due to the accident, results within two years in one of the following:

1 – Accidental Death

• • The amount listed in the Coverage Table is paid to your heirs.

2 – Loss of Limb or Loss of Sight

• • Loss due to permanent amputation of an entire upper or lower limb
  • Total and permanent loss of use of an entire upper or lower limb
  • Total and irreversible loss of sight in one or both eyes

3 – Permanent Total Disability

• • Loss of physical and/or mental capacity to the extent that you will never be able to perform essential and substantial duties of any occupation suitable for you

Specifically, the coverage includes:

Depending on the policy you choose, you can add the Winter/Summer Sports Extension

• • Amateur recreational sports
  • Water sports
  • Skiing and snowboarding within recognized ski resorts with marked pistes
  • Off-piste skiing only when accompanied by a certified guide and the area is not designated as dangerous or prohibited
  • Emergency medical expenses in a hospital due to injuries during winter sports (up to the amount listed in the Benefits Table)

Important Limitations:

• • Coverage for winter/summer sports is limited to 15 days
  • You must ski safely, follow local warnings, and avoid exposing yourself to unreasonable risk

Not Covered:

• • Competitions and races
  • Professional activities

Yes, certain coverages in your insurance policy include a deductible, while others do not.

By deductible, we mean the amount you, as the insured, are responsible for paying before the insurance company begins reimbursing the remaining costs.

At SoEasy Travel Insurance, we provide travel insurance from highly reputable insurance companies.

You can see the insurance company issuing your policy during the purchase process in the coverage table and on your insurance certificate.

Yes, all our policies include a free global 24-hour Assistance Service. You can find the contact numbers and methods in your policy table and in the email you received when your policy was issued.

For countries outside the EU, WhatsApp communication is also available to help avoid roaming charges.

• • Pre-existing medical conditions (with exceptions – see policy terms)
  • Illnesses or injuries existing before the claim
  • Mental health conditions (anxiety, depression, nervous disorders)
  • Sexually transmitted diseases
  • Gynecological conditions
  • Pregnancy (except in specific cases)
  • Drug use or alcohol abuse
  • Professional sports activities
  • War or terrorist acts
  • Natural disasters (floods, earthquakes, etc.)
  • Travel against WHO or government advisories

Important: In the case of fraudulent claims, the company may:

• • Refuse to pay the claim
  • Recover any payments already made
  • Cancel the policy retroactively from the time of the fraudulent action
  • Notify the police and relevant authorities

All pre-existing medical conditions are excluded from our insurance policies. You do not need to provide any information about these conditions when purchasing the policy.

What Is Covered:

✓ Trip cancellation if you become pregnant after booking and the trip falls within the last 15 weeks before delivery (must notify the insurer within 14 days)
✓ Emergency medical expenses due to pregnancy complications during the trip (accident, illness, or complications)

✓ Trip interruption Trip interruption

What Is Not Covered:

✗ Normal pregnancy and childbirth

✗ Travel after the 25th week (or 23rd week for IVF/twins)

✗ Planned childbirth or routine medical care abroad

✗ Gynecological conditions

✗ IVF services

✗ Pregnancy known at the time of purchasing the policy

For Single Trip Policies must be purchased before the start of your trip, and coverage applies during your trip.

Trip cancellation coverage becomes effective from the moment the premium is paid.

For Annual Multi-Trip Policies, coverage begins on the start date listed on your certificate and applies to all trips starting after that date.

Factors Affecting the Cost:

Destination
The geographical area you are traveling to affects the cost. For example, insurance for the Schengen Zone has a different price than worldwide coverage, and destinations such as the USA or Canada may have higher premiums due to increased medical expenses.

Trip Duration
The longer your trip, the higher the premium. Choose between single-trip or annual multi-trip coverage depending on how often you travel.

Number of Travelers
The cost is calculated per person covered by the insurance policy.

Level of Coverage
Different coverage levels offer varying amounts of compensation and affect the final premium.

Additional Coverages
Adding optional coverages, such as winter sports or missed departure, will increase the premium.

How to Get a Quote:

To find out the exact cost of your travel insurance, visit our website and fill out the quote form with your trip details. You will immediately receive available options with corresponding premiums and can choose the coverage that best fits your needs and budget.

Tip: Annual travel insurance is usually the most cost-effective option if you travel frequently throughout the year!

Payment for your policy is made electronically at the time of purchasing the insurance. We accept most credit/debit cards as well as cryptocurrencies through the Coinbase platform.

No, you do not need separate policies for each family member. You can insure the entire family under a single family policy, as long as you declare all travelers during the purchase process.

Children under 16 years old are covered only when traveling with one or both insured adults.

• • Aircraft (passenger planes)
  • Ship (ferries, boats)
  • Train
  • Coach or bus

Basic Requirement:

To be covered, you must have a reservation or ticket for the transport as a passenger. The insurance covers both international and domestic legs of your trip.

Important Clarification:

The ticket must be for public transport —i.e., services available to the general public for passenger transport. Private means of transport (e.g., rental cars, private boats) do not fall under the definition of “public transport” and are subject to different coverage terms.

✓ Before the trip starts you can make changes if:

• • No insured person has traveled
  • No claim has been submitted or is pending
  • Coverage has not yet started (for single-trip policies)

Types of Changes You Can Make:

• • Add or remove insured persons
  • Change travel dates
  • Change destination
  • Add coverage extensions (e.g., winter sports, COVID-19)
  • Upgrade coverage level

After the trip starts you can request an extension of the insurance duration.

For any changes, you can contact us via email at: info@soeasytravelinsurance.com

• • No insured person has traveled
  • Coverage has not started
  • No claim has been made

• • Provide accurate and complete information
  • Take measures to prevent loss or damage
  • Comply with the terms of the insurance policy
  • Notify the insurer of any material changes in risk
  • Pay the premium on time

1. Certificate of Insurance

• • Lists who is covered
  • Includes coverages, limits, and deductibles
  • Shows the duration of your insurance

2. Policy Wording

• • Full terms and conditions of your coverage
  • Exclusions and limitations

3. Insurance Product Information Document (IPID)

• • Concise overview of your coverages

Additionally, the confirmation email will include:

• • 24/7 emergency medical assistance phone numbers depending on your geographic region (USA & Canada, Europe, International)
  • Contact details for any questions regarding your insurance
  • Email for submitting claims if needed

Important: Please carefully review your Certificate of Insurance and contact us immediately at info@soeasytravelinsurance.com if any corrections are required.

Keep the confirmation email and all documents in an easily accessible place during your trip.

1. Notify our call center as soon as possible. You can find the phone numbers and contact methods in your policy table and in the email you received when your policy was issued.

2. Submit your claim in writing within 15 days from the date of loss.

3. Provide all necessary documents, such as medical certificates, police reports, and receipts.

• • Medical certificates from a doctor or hospital
  • Police report in case of theft or loss
  • Travel tickets and baggage receipts
  • Receipts for all expenses
  • Confirmation letters from airlines, hotels, etc..

How Your Payments Are Protected:

SSL/TLS Encryption: All transactions are encrypted using the latest security technologies.

Secure Payment Methods: We accept payments via credit or debit card (Visa and MasterCard) through certified payment systems.

Instant Confirmation: After completing your payment, you will receive your Certificate of Insurance immediately.

Simple and Fast Process: Online policy issuance is completed in minutes, without any bureaucracy.

How We Protect Your Data:

• • Secure Servers: All personal data is stored on secure servers located in the European Union.
  • Security Measures: We implement modern security measures to protect your information from unauthorized access.
  • GDPR Compliance: We collect and process your data exclusively for insurance purposes and in accordance with EU regulations.
  • Confidentiality: Your data is not shared with third parties unless required by law or with your explicit consent.

Your Rights:

✓ Right of Access: You can request a copy of the data we hold about you.

✓ Right to Rectification: You can request corrections to any inaccurate data.

✓ Right to Erasure: You can request the deletion of your data, subject to our legal obligations.