Baggage and Personal Items Loss Coverage

Coverage for your baggage and personal items can be different in terms of its comprehensiveness. It usually varies from policy to policy, so you will definitely need to look closely at your own insurance certificate to set your mind at ease and be sure you are covered even for the worst possible cases.

Maximum payouts

You see, typically travel insurance policies covers baggage loss only up to a pre-determined amount. There is usually a certain per-person maximum payout. It is always stated in the policy and it may range anywhere from $500 to $3000. If your policy has per-article limits it can reach up to $250 per item.

Covered items

Let us move on to the items that most insurance policies offer coverage for. In most cases, tourists are covered for losing luggage, travel documents and personal possessions. We should point out that items which you ship ahead to retrieve them later when you arrive at your destination are not covered.

Unfortunately, every underwriter has a detailed list of all the items that are not covered at all, even though they may be in your suitcase. For example, some companies do not cover animals, contact lenses, sunglasses, prescription medications, computer software or hardware, telephones, keys, cash, credit cards and professional equipment.

Damage not covered

Here is another reason for you to read your policy certificate very attentively: you need to find and memorize the list of all types of damage that are not covered. Most companies exclude the usual wear and tear of personal items as well as and breakage of especially brittle or fragile articles. 

Combine Your Home and Auto Insurance to Get Discount!

The environmental problems are getting more and more serious with different disasters coming, therefore it is very important to secure the house and the car, especially if the region where you are living is next to the sea, as in Canada. As Calgary, a big city in Alberta, is a high-risk region the policies for both aspects are expensive. Though there are some tips we may use to save. 

Still if we have a good systematic approach to buying the policies you can save a bit. First of all you should carefully study the insurance company that will provide the policies for you. Moreover, if you choose one company there is a big chance that you will pay less than if you choose two companies to buy the policies from. This is done due to two main reasons, first of all, they encourage the clients tobuy the policy for something else, and, which is more, they are asking for recommendations. One more additional pluses is that you will deal with one only company in case something really happens. If you stay with this company for a longer period of time you will also receive some good bonuses, such as annual discounts and something more. This is the way they are encouraging your loyalty.

There are also things that ensure additional things that can make life much more convenient, such as:increased convenience for you as you will have to deal with one manager only – and with one company, one date when the policies are to be renewed, and one set of rules that are to be applied. So, find the company and contact it to have the best deal!

How to Use Your Travel Insurance

Insurance companies are so successful, as usually very few travelers take advantage of their travel insurance policies and very often they make claims incorrectly and that’s why they are denied. Here are several tips for you to make a claim properly:

1. Right after you purchase your policy, you should make a copy of it and carry it with you while travelling. Find international contact numbers in order to make a claim being abroad, because toll-free numbers can be useless outside the USA.

2. As you may get injured away from your hotel, you’d better have the emergency contact lines andpolicy numbers in your wallet and carry it all the time.

3. Learn how much your deductible is.

4. Learn whether a police report is necessary for you to make a claim or not. If yes, you’ll need to get the formal police report right after the incident.

5. Also find out whether you should turn to the specific clinics in order to get the medical help and whether you should pre-approve the medical treatment.

6. Know the time limits for reporting a claim. Most travel insurance policies require that the traveler should make a claim 24 – 48 hours after an incident occurred, so reporting about an injury when you return home may not work.

7. Learn whether you need receipts for your laptop, camera or phone to make a claim. In case you do, make copies and fax them to your insurance agent.

8. Record the serial numbers and model numbers, photograph valuable electronics that you are going to carry on your vacation.

9. If you want to rent a car when you are abroad, learn whether your travel insurance covers the rentals. If not, you may think about purchasing additional rental insurance