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A Typical Travel Insurance Policy Regarding Luggage and or Personal Items

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By Amy Nutt

 Sometimes when we go on vacation or on a trip for business, it’s almost as if we are carrying our entire lives along with us in our checked bags, so it comes as no surprise that in this day and age that travelers want their possessions that go along with them to be as safe as possible.

Travel insurance plans have become increasingly popular in the US since the tragedy that struck during 9/11, but before you decide if travel insurance is something that you need to spend your money on, it would help to know what is typically covered by these protective plans.

What’s covered?

Lost or stolen bags:

Some companies offer different grades of travel insurance, much like you can get with your homeowners or auto insurance. Depending upon the level of protection that you choose to pay for, a lost or stolen bag may garner a reimbursement of five hundred to a thousand dollars each. This is a potentially good feature if your bags are stolen, but all airlines have reimbursements for lost luggage which has just been recently raised to three thousand dollars per traveler.

Delayed luggage:

We all travel with things that are absolute necessities; clothes, razors, deodorants and other toiletries - with travelers insurance, if your bags end up at your destination more than twenty four hours after you do, you may be eligible for a reimbursement of up to two hundred dollars or more to purchase these types of items to hold you over until your bags arrive.

What’s not covered?

Under each type of travelers insurance policy that you may invest in, be wary of exclusions. Items that are difficult to prove may not be covered under your policy - things like contact lenses, eyeglasses, and cash are usually among the lists of items that are not covered.

Do you need travelers insurance?

This can be a pretty tough call in some cases, if having the extra protection is going to make you feel safer and able to relax and enjoy your vacation more, and the money isn’t a very big concern, than by all means - invest in the travelers insurance, just be wary that you may already be covered.

Some travelers are eligible for coverage under their homeowner’s insurance policies. If you take the time to check your homeowners policy you may find that you are protected up to a certain dollar amount on lost or stolen possessions.

If you paid for your trip with plastic as many travelers do these days, your particular credit card may offer you certain protections. In fact many cards geared towards business people and frequent travelers have a built in insurance that is far greater than what you would get with a purchased policy - and you won’t have to pay out anything to get that coverage.

If you book your trip through a service you may have some extra protection as well. Online services in which you book your entire trip - from flight to hotel to rental car, often offer some coverage for just using the service and many offer the chance to purchase some additional coverage for a small fee. Though you probably wouldn’t get as great a level of coverage with this method it will often come at a lower price.

With all of the things that we take along with us as we travel these days - expensive clothes, laptop computers, digital cameras and portable electronics - it only makes sense for us to be safe. Traveler’s insurance can be a very good thing to have in the event that one of your bags that contains a very important possession gets lost or stolen, just be sure that you don’t already have coverage for a similar event through another avenue before you spend some of your hard earned money that could potentially have been used elsewhere in your journey.

Travel Insurance Broker offers travel and medical health insurance needs for Canadians, Canadian expatriates or visitors to Canada. If you are looking for travel insurance or medical insurance, consider Dan Pucher Insurance.

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Reduce Travel Stress With GPS
By Brian Knapp

 They say that time is money and on vacation that seems doubly true. For example, have you ever been on vacation and tried to use a folding map to navigate through a modern city? Since cities can change their road systems often and the maps aren’t always up to date, you can often find yourself very lost. What do you do next? Stop an ask for directions? Drive in circles? Perhaps, you get lost and it sparks an argument with your traveling companions. No matter how you slice it, it’s not a pretty picture.

If this has happened to you, perhaps you need a GPS, or Global Position System enabled mapping device. These little magic wonders can severely reduce your stress factor when you travel.

You may think that only those who travel a lot, but you’d be wrong. The truth is that GPS systems are so useful and affordable, that you can’t afford not to have one. Of course, the trick lies in figuring out which one suits your needs best.

One incredibly popular type of GPS system is a stand-alone system. This types of system offers the most complete and thorough mapping utilities. These systems are usually great at not only offering driving directions but also travel information such as landmarks you should see along the way. If you rely on maps for navigation and want extra travel details, this type of system would be a great buy.

Another option is multipurpose handheld navigation devices. These navigation systems are well suited for active families. These systems don’t always include turn by turn navigation, but that feature is becoming more common. Their key benefit is that they aren’t tethered to your automobile, so if you like camping, hiking, or fishing, they can be useful in those applications as well.

The last option is laptop or pda based GPS. These systems were once popular, but are growing very unpopular as the GPS technology becomes cheaper. It used to make sense to use your pda or laptop for navigation, but those systems are clunky and inconvenient compared to dedicated systems. Nowadays it is much more popular to find GPS on your phone, such as the iPhone.

Regardless of which type of car navigation system you use, having a GPS unit can keep you heading in the right direction at all times. It will save you time backtracking and make your trips a much more enjoyable experience. Enjoy your trip and may the GPS be with you!

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Brian is a writer and a classic Camaro enthusiast. He hopes to one day drive a 1969 Camaro. Read more at http://www.camaroforsale.org/

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Monday, September 8th, 2008 at 2:10 pm and is filed under travel. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.