Some companies offer travel assistance
with employment benefits. For example, The Hartford,
one of a small group of companies offering travel
insurance to businesses includes free travel service
on their group life, accident and long-term disability
insurance policies. Their services range from pre-trip
information to emergency medical care and emergency
A homeowners or renters insurance
policy generally covers the theft of your personal
property, according to IIAA, even if you're traveling
out of the country. Some valuables, such as jewelry,
cameras and laptops, probably won't be covered,
but check with your insurer. Hasbrouck recommends
Safeware.com for computer insurance.
“It's definitely not worth the money to pay for lost luggage insurance.”
health insurance policies should cover medical expenses if you're sick or injured,
but may not apply overseas. If you're headed for a remote location or have a medical
condition, you might look into a policy that includes medical transportation expenses.
An air ambulance can cost thousands of dollars and typically isn't reimbursed
by health care policies.
Travel policies often will say the
coverage is to get you to an adequate medical facility. The question to ask is
what's their definition of 'adequate.'
You may also have coverage
from your credit card. Diners Club, for example, offers up to $350,000 in automatic
travel accidental-death-and-dismemberment insurance if you buy your ticket with
the credit card and automatic collision/damage insurance for rental cars. It's
full value rental car collision or loss damage. That coverage would be primary
and would override the insurance you have for your personal auto.
you don't have to file a claim with your insurance company, which generally means
you won't have a rate increase.
by your credit card?
Regardless of which credit card you use to rent
the car, your auto insurance should cover you while you're driving it. If you're
only covered for liability, though, it might be worth getting collision coverage.
The coverage offered at the rental car counter should be a
last resort, Hasbrouck says, because it's expensive and poor coverage. Credit
card coverage varies, he says, and may exclude convertibles or SUVs. Check with
your auto insurance and credit card company to see what's covered before you leave
Diners Club also automatically provides up to $1,250
in baggage coverage beyond what you'd get paid if the airline, cruise line or
other common carrier loses your luggage.
It's definitely not
worth the money to pay for lost luggage insurance, Hasbrouck says, because it's
extremely rare for a carrier to truly lose your bags. They might misroute it for
a day or so, but eventually, your bags should catch up with you. In the meantime,
the airline will usually give you cash to buy a few necessities.
if they actually lose your bags, the things you really care about -- jewelry,
cameras and computers -- almost certainly will be excluded.
check with your credit card company about supplemental coverage. Diners Club offers
really cheap supplemental coverage. It includes up to $1.5 million dollars in
flight insurance and $150,000 worth of life insurance on the ground, but the real
peace of mind comes in the trip cancellation, interruption or airline bankruptcy
coverage that's bundled with the life insurance. You can get up to $500 per ticket.