Do You Need Travel Insurance?

If you are considering a trip overseas, don’t assume that just because you have excellent medical, auto, and home insurance that you will have the necessary insurance protection. Many situations can occur while traveling that may not be covered by your insurance. Therefore, it’s important to consider if you will need travel health insurance or some other applicable international travel insurance policy.

Here is a list of situations that may not be covered:

• accidents
• illness
• dental care
• trip cancellations
• lost luggage
• rental car damage

Planning an overseas trip starts with planning for the unexpected. Purchasing additional insurance when you travel is one of the best ways to cover the unexpected. However, before you start researching travel insurance, review your current insurance policies. Check if you have any travel health insurance and/or international travel insurance coverage on any of your policies. Some homeowner’s insurance policies and renter’s policies cover your personal property and liability anywhere in the world, so if you already have this coverage there is no point in buying more.