FAQ (Frequently Asked Questions)

Travel insurance protects you from unforeseen events before or during your trip. Key reasons include:

Financial Protection:

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

Medical Security:

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

Peace of Mind:

• • Travel with the security that you are protected
  • Handling unexpected situations without stress
  • Professional support in every emergency

The mandatory nature of travel insurance depends on your destination and the type of visa you hold.

When It Is Mandatory:

🇪🇺 Schengen Countries (for visa issuance)

If you are a citizen of a country outside the Schengen zone and require a visa to travel to European Union countries, travel insurance is mandatory for visa issuance purposes. The insurance must cover:

• • Medical expenses of at least €30.000
  • Repatriation costs
  • Valid in all Schengen countries
  • Coverage 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 specifically for visits to the Galapagos Islands
  • United Arab Emirates: For certain visa types (long-term stay)
  • Turkey: For specific e-Visa type
  • Iran: Required for visa issuance
  • Qatar: Mandatory for all international visitors
  • Saudi Arabia: COVID-19 coverage required
  • Rwanda: Health insurance required
  • Lebanon: Health insurance with COVID-19 coverage required
  • Seychelles: Mandatory for entry
  • Algeria, Argentina, Aruba, Georgia, Jordan, Cambodia, Morocco, Moldova, Nepal, Togo

Advice: Always check the current requirements of your destination country before traveling, as regulations may change.

At SoEasy Travel Insurance, we have two main options:

• • Single Trip: Offers coverage for a specific trip. If you will be traveling to more than one country for the same trip, you should declare them.
  • Annual Multi-Trip: Provides coverage for multiple trips within a single year. You can choose different plans depending on the countries you plan to visit.

The Available Options Are: Schengen Zone, Worldwide excluding USA, Canada, Australia, and Japan, and finally Worldwide without country exclusions. The duration of each individual trip must not exceed 92 days.

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 individual trips, ensure coverage by selecting all the countries you will travel to in the relevant field.

At SoEasy Travel Insurance, we offer a range of options from various providers. For more accurate information, always consult the coverage table during the contract purchase process.

The most common and basic coverages are presented below. Coverage amounts differ depending on the contract and provider, while certain coverages are offered as optional with an extra premium.

Medical Coverages:

• • Medical, hospital, pharmaceutical, and surgical expenses abroad
  • Emergency medical expenses due to COVID-19
  • Emergency dental care
  • 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

Baggage & Personal Items:

• • Loss of  baggage
  • Loss of credit card
  • Delayed baggage
  • Loss of personal money
  • Loss of passport/documents

Travel insurance provides certain coverage for COVID-19 in the following sections:

1. Trip Cancellation or Interruption
You are covered if:

• • You are placed in mandatory quarantine for at least 24 hours during the trip by a doctor’s order (not by state order for an entire region)
  • You test positive for COVID-19 at your point of departure and are not allowed to continue the trip

2. Emergency Medical & Other Expenses

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

3. Departure Loss

• • Coverage for the delay of your departure 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 waiting for results, and the trip starts within 14 days.
  • The cancellation arises from a government self-isolation order or from the local contact tracing service.
  • COVID-19 test costs are not covered

Required Documents for Claim: For the claim to be valid, 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).

Yes, travel insurance covers emergency dental care you need during your trip abroad, with specific terms and conditions.

What Is Covered:

• • Only emergency for immediate pain relief
  • Treatment of pain, infection, and removal of problematic teeth
  • Only for natural teeth

Cοverage Limits:

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

What Is Not Covered:

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

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

Yes, it is essential to contact the insurance company as soon as possible in the event of a serious medical incident that requires hospitalization abroad.

When to Contact:

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

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

Emergencies: If it’s not possible to call before, call as soon as possible after admission

Why Is It Important:

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

Consequences of Non-Contact:

• • Limitation of compensation if the delay increases costs
  • Transfer or accommodation costs not covered without prior approval

Note: 24-hour assistance contact details are stated in your Insurance Certificate. For treatment costing under €200, you can pay and request reimbursement upon your return.

Baggage coverage protects your personal items (suitcases, clothing, valuables, and other personal items) during the trip.

What Is Covered:

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

What Is Not Covered:

• Excluded items: Precious stones (unset), contact lenses, hearing aids, dental fittings, antiques, musical instruments, documents, bonds, food, bicycles, ski/golf equipment, professional equipment, personal money
• Excluded situations:
  • Valuables left unattended (except in a hotel safe or locked accommodation)
  • Baggage in an unattended vehicle (unless locked out of sight and there was a break-in)
  • Normal wear and tear, mechanical failure
  • Delay by customs authorities

What you Must Do in Case of Loss/Theft:

Immediate Actions:

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

2. For the airline: Proceed with Property Irregularity Report (PIR) and notify us in writing.

3. For hotel/carrier: Secure written report.

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

Note: An excess may apply as stated in the Insurance Certificate.

These are two different coverages that apply to different scenarios:

Trip Delay or Cancellation Coverage

This coverage is activated when the transport you have booked (plane, ship, train) delays or cancels the route due to:

• • Vehicle accident or mechanical failure
  • Strike or adverse weather conditions

What It Covers:

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

Extra Departure Cancellation Coverage

If you select this extra coverage, this coverage is activated and covers up to the coverage amount you selected, when you personally fail to reach the airport/port in time to board the transport you have booked, due to:

• • Breakdown of your vehicle
  • Road accident
  • Strike or adverse weather conditions
  • Positive COVID test before boarding

What It Covers:

• • Additional accommodation and transport expenses you need to reach your destination or return to your country of residence

In Simple Terms:

• • Trip Delay: You reach the airport, but the flight is delayed/cancels → You receive compensation
  • Departure Cancellation: You failed to reach the airport in time and missed the flight → Additional expenses are covered to continue the trip

Important: You cannot claim compensation from both coverages for the same incident.

The Legal Protection & Liability section protects you financially and legally in cases where you are involved in accidents or legal problems abroad. It includes:

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

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

2. Advance Bail (up to €10,000)

In the event of an arrest for an involuntary violation, the insurance company advances the bail amount to secure your temporary release.

3. Legal Assistance (up to €5,000)

Legal representation and advisory support costs abroad are covered.

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

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

The section covers accidental loss, theft, or damage of your money and documents during the trip abroad.

What is Covered:

• • Banknotes and coins
  • Traveler’s checks
  • Credit/debit cards
  • Travel tickets and event tickets
  • Passports and visas (replacement cost)
  • Currency exchange within 72 hours before departure
  • Additional travel expenses for passport replacement

Coverage Limits:

Amounts are stated in the Coverage Table of your Insurance Certificate.

What is NOT Covered:

• • Money/passports left unattended (except in safe or locked accommodation)
  • Traveler’s checks without following the issuer’s instructions
  • Loss from customs confiscation
  • Exchange rate fluctuations

Obligations:

• • Notify police within 24 hours and obtain a written report
  • Keep all receipts

Personal Accident Coverage provides financial protection in case you suffer serious bodily injury from an accident during your trip.

What Is Covered

The insurance pays compensation if you suffer bodily injury which, by itself and independently of any other cause, within two years results in:

Element 1 – Death from accident

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

Element 2 – Loss of Limb or Loss of Sight

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

Element 3 – Permanent Total Disability

• • Loss of physical and/or mental capacity to the degree that you will never again be able to perform the essential and important duties of any employment that suits you

The Winter/Summer Sports extension is offered in certain contracts with an additional premium, and covers amateur recreational sports, water sports, and skiing (including snowboarding) in recognized ski resorts with organized slopes or routes for public use.

Specifically, the coverage includes:

Depending on the contract you choose, you can add the Winter/Summer Sports extension.

This extension covers:

• • Amateur recreational sports
  • Water sports
  • Skiing and snowboarding within recognized ski centers with marked slopes
  • Off-piste skiing is only permitted when accompanied by a certified guide, and the area has not been characterized as dangerous or prohibited.
  • Emergency medical expenses in a hospital due to injuries during winter sports (up to the amount stated in the Benefits Table)

Important Limitations:

• • Winter/summer sports coverage is limited to 15 days.
  • You must ski safely, consider local warnings, and not expose yourself unreasonably to risks.

Not Covered:

• • Competitions and contests
  • Professional activities

Yes, for specific coverages under the policy, there is an excess, while other coverages are without excess. By the term excess I mean the amount that the insured is responsible for paying before the insurance company’s compensation begins.

At SoEasy Travel Insurance, we offer travel insurance from highly reputable insurance companies. You can see the Insurance Company that signs your contract during the contract purchase process in the coverage table and in the insurance policy.

Yes, for all our contracts, there is a Free Worldwide 24-hour Assistance Service. You can find the numbers and contact methods in your contract table and in the email you received when you issued your cont

For countries outside the EU, the possibility of communication via WhatsApp is offered to avoid roaming charges.

The Insurance Company may refuse your compensation if the incident is not covered under the contract or if there is a related exclusion. Some exclusions are:

• • Pre-existing medical conditions (with exceptions – refer to terms)
  • Illnesses or injuries that existed before the claim
  • Mental illnesses (anxiety, depression, nervous disorders)
  • Sexually transmitted diseases
  • Gynecological conditions
  • Pregnancy (except specific cases)
  • Drug use or alcohol abuse
  • Professional sports
  • War or terrorist acts
  • Natural disasters (floods, earthquakes, etc.)
  • Travel despite WHO or government recommendations

WARNING: In case of false claims, the company may:

• • Not pay the claim
  • Recover any payments made
  • Terminate the policy from the time of the fraudulent action
  • Notify the police and authorities

All pre-existing illnesses are excluded from our insurance policies. You will not need to provide us with any details about them when issuing the contract.

Insurance coverage for pregnancy is limited and typically only covers complications, not the normal aspects of pregnancy or childbirth.

Insurance coverage is provided up to the 25th week of gestation for singleton pregnancy, while for in vitro fertilization (IVF) or twin/multiple pregnancy, coverage is limited up to the 23rd week. After these weeks, there is no insurance coverage, even if you have medical approval to travel.

What Is Covered:

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

✓ Trip interruption due to serious complications

What Is Not Covered:

✗ Normal pregnancy and childbirth

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

✗ Scheduled delivery or medical care abroad

✗ Gynecological conditions

✗ In vitro fertilization services

✗ Pregnancy that was known at the time of purchasing the policy

For single-trip contracts, the contract must be issued before the start of your trip with coverage valid during your trip.

Trip cancellation coverage is valid from the time of premium payment.

Regarding Annual Multi-Trip contracts, coverage begins on the date stated in the certificate and applies to all trips taken after that specific date.

Factors Affecting the Cost:

Destination
The geographical region you travel to affects the cost. For example, insurance for the Schengen Zone has a different cost than worldwide coverage, while destinations such as the USA and Canada may have a higher premium due to increased medical costs.

Trip Duration
The longer the duration of your trip, the higher the premium will be. Choose between single-trip or annual multi-trip coverage depending on the frequency of your trips.

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

Coverage Level
Different coverage levels offer varying compensation amounts and impact the overall cost.

Additional Coverages
Adding extra coverages, such as winter sports or departure cancellation, increases the premium.

How to Get a Quote:

To determine the exact cost of your travel insurance, please visit our website and complete the quote form with your trip details. You will immediately receive available options, along with their corresponding premiums, and will be able to choose the coverage that best suits your needs and budget.

Tip: Annual travel insurance is the most economical option if you travel frequently within the year!

Payment for the contract is made electronically upon conclusion of the insurance. We accept most credit/debit cards as well as cryptocurrencies through the Coinbase platform.

No, you do not need to issue separate contracts for each family member. You can all be insured together with a single family policy, provided you declare all persons traveling with you at the time of purchase.

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

According to the insurance policies, a “public transport ” is defined as any publicly used:

• • Aircraft (passenger planes)
  • Vessel (ships, ferry)
  • Train
  • Coach or bus

Basic Condition:

For coverage to apply, you must have a booking or have paid for a ticket for the means of transport as a passenger. The insurance covers both international and domestic legs of your trip.

Important Clarification:

The ticket must relate to public transport, specifically public passenger transport services. Private means (e.g., rental cars, private vessels) do not fall under the definition of ‘public transport’ and have different coverage terms.

You can make changes to your policy under specific conditions, depending on the type of change and the status of your trip.

✓ Before the start of the trip, you can make changes when:

• • No insured has traveled.
  • No claim has been or will be submitted.
  • Coverage has not already started (for single-trip policies)

Types of Changes You Can Make:

• • Addition or removal of insured persons
  • Change of travel dates
  • Change of destination
  • Addition of coverage extensions (e.g., winter sports, COVID-19)
  • Coverage level upgrade

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

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

You can cancel your contract within 14 days of receiving the documents. For a full refund the following conditions apply:

• • No insured has traveled.
  • Coverage has not started.
  • No claim has been raised.

• • To provide accurate and complete information
  • To take measures to prevent loss or damage
  • To comply with the policy term
  • To notify of material changes in risk
  • To pay the premium on time

Immediately after completing the purchase, you will receive a confirmation email with the following attached document:

1. Certificate of Insurance

• • States who is covered
  • Includes coverages, limits, and excesses
  • Shows your insurance period

2. Policy Wording (Terms & Conditions)

• • Complete the terms and conditions of your coverage
  • Exclusions and limitations

3. Insurance Product Information Document (IPID)

• • Summary presentation of coverages

Additionally, in the confirmation email, you will find:

• • 24/7 emergency medical assistance phones depending on the geographical area you are in (USA & Canada, Europe, International)
  • Contact details for questions about your insurance
  • Email for submitting a claim if needed

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

Keep the confirmation email and all relevant documents in a readily accessible location during your trip

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

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

3. Provide all necessary documents (medical certificates, police reports, receipts)

Depending on the type of claim, different forms may be required. Our call center, which handles claims, will provide you with all the necessary information, depending on the type of contract and the type of claim. Some indicative documents may be:

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

Yes, purchasing insurance policies online is completely secure. All online transactions are protected with modern security systems that ensure the security of your payments.

How your payments are protected:

SSL/TLS Encryption: All transactions are encrypted with the most modern security technologies.

Secure payment methods: We accept payments by credit or debit card (Visa and MasterCard) through certified payment systems.

Immediate confirmation: After payment completion, you immediately receive the Insurance Certificate.

Simple and fast process: Online contract issuance is completed in a few minutes, without bureaucracy.

Absolutely yes. The protection of your personal data is our top priority, and we strictly comply with the European Union data protection regulations (GDPR).

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 data from unauthorized access.
  • GDPR Compliance: We collect and process your data exclusively for insurance purposes, in accordance with European regulations.
  • Confidentiality: Your data is not shared with third parties, unless required by law or you have given your explicit consent.

Your Rights:

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

✓ Right to Correction: You can request correction of any inaccurate data.

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