Before You Leave, Check Your Health Insurance

Going for a vacation especially overseas can be so exciting. The weather may not be on your side, you might get sick in the middle of your trip, you lose your luggage along the way and other events you never might have expected may happen to someone like you.

But no matter how well we plan our vacation unthinkable events can often happen. Before you leave, check your health insurance. It is best to call and check with your insurance company exactly what is being covered by your insurance coverage. Most health insurance plans would not extend to outside of your country. If you have plans to rent and drive a vehicle in your overseas destination, you have to obtain an international driver's license. Make sure that you have adequate insurance because your current car insurance policy may not cover you outside of your country unless you have an umbrella policy that provides you with worldwide coverage. Countries basically have different driving and traffic rules, so educate yourself by reading on the regulations and guidelines of your country of destination.

Contact your car insurance agent or provider for the details of your coverage and if you need additional coverage. You feel at ease knowing that just in case your luggage gets lost in transit and will not be recovered having lost luggage insurance will cover the cost of your luggage's contents. Lost luggage insurance would come in handy when you travel abroad. A trip can be canceled due to circumstances or situations that may be beyond our control. Trip interruption insurance can cover part or all of the expenses of a vacation trip in case it gets canceled. Instances like having booked for a cruise line that suddenly goes out of business prior to your date of departure or weather conditions that cancel your trip can be frustrating.

In some cases, trip interruption insurance can cover for both the flight and hotel costs when you cancel for reasons of a death in the family or sickness. A typical package would generally include medical and dental emergency, accidental death and dismemberment, damage or lost, medical evacuation emergency luggage, interruption, rental car protection, delay, cancellation or default of trip and others. Most insurance companies offer an overseas insurance package and the reimbursement depends on the following factors: age and the number of the people traveling in the group and the trip duration. Your insurance provider or agent can give you details on such.