Check Your Travel Insurance With Worldwide Coverage


 Check Your Travel Insurance With Worldwide Coverage

As a traveler, you're entitled to certain protections under the law. These cover such things as medical assistance and personal belongings. But what about if your travel insurance doesn't cover the trip you're taking? It's important to check your coverage before going abroad or else you could risk major expenses from being left out in the cold.

A lot of companies sell traveler's insurance, but some are much more reputable than others—you'll want to get with a company that has decent reviews and who has been around for at least five years. A lot of travelers also find it useful to compare prices across different providers before buying their policy so they can be sure they have found affordable protection for their needs.

One of the first things you should do is to read through your policy. The last thing you want to do is get stuck in a foreign country and find out that your insurance doesn't cover a certain type of emergency or doesn't cover it at all. Also look for any exclusions because they can be sneaky—sometimes basic treatments aren't covered, so knowing what's not covered at all will let you avoid trouble.

For example, some policies won't cover you if you're taking part in any "dangerous" activities, so check the fine print. Also make sure that your policy includes medical evacuations and repatriation.

It's a good idea to also check with your credit card company and ask for medical assistance. As you shop around, you'll also want to see if you can get free travel insurance while traveling overseas—some companies will do this for all their clients, but the odds are low. Promotions can often be found on sites like Travel or when you sign up for an inbox subscription service that provides instant quotes each time you shop online. You can also leave your passport in your car using the government's services; however, some policies will exclude cars in dangerous areas.

While on the subject of passports, some policies will not cover lost or stolen passports because they're considered a "travel document. You should also check your policy to see if you're covered if you need to have your passport replaced. And be sure to know the specifics regarding passport replacement. For example, some policies will cover a new passport up to one year after the original document was issued. Others won't cover it at all.

Finally, ask if your policy has any exclusions—this way you can be sure it covers your needs before you take off on an excursion and end up having to pay out of pocket. Additionally, make sure that the company is licensed by the appropriate government agency in your country of residence and that they meet local standards for good customer service.

Be sure to read your travel insurance policy thoroughly and ask to see a copy of the information sheet that is included with it. Also, be sure to check the fine print: Not every trip will be covered by your policy—some exclusions are fairly common (like "dangerous activities") while other exclusions may have been added by the insurance company in recent years due to a better understanding of medical issues in different parts of the world. Know exactly what's important to you before you buy and you can avoid any major expenses down the road.

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By Octavio Rubino ( 225 Posts Octavio Rubino is a freelance writer and the author of Chicago's Bravest: Stories Behind the Badge from America's Greatest Firehouse and Untimely Departures: The Forgotten Women of the Holocaust. His work has also been published by The Knight Center for Journalism at the University of Maryland,, The Jerusalem Post, St. Petersburg Times, Tampa Bay Newspapers, and other outlets around the world. He is a graduate of Florida Gulf Coast University and recently completed an MLitt in Modern Irish Media at Trinity College Dublin. In 2007, Rubino received the I.H. Asper Award in Creative Nonfiction for Chicago's Bravest, which he also made into a documentary film that was broadcast on PBS and has since been translated into sixteen languages. He can be reached at and via his website at . You can connect with him on Facebook and Twitter as well as at Google+.

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