Quote:
Originally Posted by ElaineB  DO take out travel Insurance to cover you for medical expenses, repatriation costs and the like, however, suggest that you ask for the personal baggage section to be deleted and then extend your unspecified perils extenstion to cover you (but check the territorial limits to make sure that you are covered for the country in question).
The personal effects cover that you get with travel insurance really isn't worth the paper it is written on, this is why I suggest you extend your household unspecified perils cover to cover this. Make sure that the item any one article limit is suitable and be aware that clothes over 2 years old are NOT on a reinstatement basis. Insurers will deduct a percentage for wear and tear (this is standard on all policies, including travel). |
Looks like perfect advice to me. My attitude to insurance is that it is cheaper to "self-insure" if you can afford to. Paying for personal effects/baggage is unlikely to be worthwhile, as you'll then be subsidising those idiots who don't take proper take of their luggage. Better to pay a bit less of a premium, and accept the risk that you might need to pay a bit if stuff gets lost.
However anyone going to the USA
MUST is recommended to get at least £1 million in medical insurance cover. Stories about US paramedics going through injured peoples' pockets to determine whether people get taken to decent hospitals aren't fiction but fact - it's best to take a photocopy of your travel insurance with you in your wallet/handbag at all times just in case.