Traveling creates memories that you’ll never forget; it’s an experience from beginning to end. Before you go, I’m sure you create a checklist of things you need to bring. Clothes *check*, toiletries *check*, Insurance? Yes, you should pack some travel insurance, too. Anything can happen on your trip — make sure you’re thinking ahead just in case. Let’s go over some key travel insurance aspects you may want to consider.
Trip Cancellation Insurance
For many, trip cancellation insurance is going to be the most useful. Some airlines offer their own kind of trip cancellation insurance, but it’s not as comprehensive as a policy that we can offer you at Yetter Insurance.
A standard trip cancellation policy covers the nonrefundable financial penalties or losses you incur when you cancel a prepaid flight for an acceptable reason such as sickness. This means if you or a travel partner accidentally injures themselves a few days before your trip and can no longer attend, you won’t have to worry about losing the money you paid for the trip.
Medical Insurance is important to have if your current policy does not cover you internationally. If you have an accident while overseas, you want to make sure that your medical bills don’t have to come straight out of pocket.
Even if your health plan does cover you internationally you may want to consider buying a special medical travel policy. Much of the additional coverage available is supplemental, which means it covers whatever expenses your health plan doesn’t, such as deductibles.
When you’re packing for a long trip, odds are you’re bringing a lot with you. This makes theft especially worrisome when you consider the value of the items you’re packing along, whether it be laptops, tablets, cameras, or smartphones.
Purchasing theft protection may be as simple as adding the items on to your homeowner’s insurance before leaving on the trip. Before you leave, it’s a good idea to take an inventory of and photograph all the high-value items you’re bringing. That way if any items are stolen, this information is helpful to both your insurance company and the police.
For baggage that is lost, delayed, or damaged, make sure that it is included in your policy. If it isn’t, it’s important to add it on, as lost baggage, sadly, is quite common and can put a damper on the trip.
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