Saving Money

Published on April 23rd, 2012


Domestic Travel Insurance

Many people will tell you that traveling abroad without a good travel insurance policy is not a smart move. The same thing goes for traveling domestically. Whether you are going on a family trip or taking care of business matters, domestic travel insurance is something that can help you protect yourself from unexpected costs. There are a lot of things that could go wrong, even when you are not that far from home. Be sure that you are well covered and you have a comprehensive policy that can save you from having your travel plans ruined.

Your luggage

Everything you need for your trip is packed inside your bags. The chances of an airline losing your luggage in a domestic flight is exactly the same as an international one. Be sure that your check-in bags are covered with a comprehensive policy. Some plans include total costs for any gadget that you might lose through no fault of your own during your trip.

Travel documents

Accidental loss of documents can be frustrating, especially if you’re trying to enjoy your trip. If you accidentally misplace important documents during your business trip, you might not be able to focus on your work. Insurance that covers loss of travel documents include passports and credit cards.

Rental car insurance or personal liability

You never know when you’ll get in a car accident. Whether it was your fault or not, you need to know that you are covered. An ideal policy is one that offers personal liability. If you accidentally hurt anyone during your trip whether it was negligence or omission, you are responsible for their injuries. Bodily injury to another person and loss or damage of another individual’s property should be included in your personal liability coverage.

Additional expenses

You never know when you’ll run into an emergency. Whether it is transportation after being injured, natural disasters, loss of documents, you need to be prepared for additional expenses. Many domestic travel insurance policies include this so that you do not have to worry about springing cash for extra costs.

Accidental disability coverage

No matter how careful you are on your trip, there is still a chance that you can get into an accident. You need to have accidental disability coverage in your insurance plan. This includes the permanent and total loss of eyesight in one or both eyes as well as the total loss of use to one or more of your limbs.

These are just some of the things a comprehensive policy will include. When choosing the right domestic travel insurance policy, it is important that you learn about the different types of coverage you need. Look for a plan that works for you. If you need a policy for your entire family, look for a plan that includes children. Before purchasing travel insurance, take a good look at the interest rates, optional coverage, additional fees as well as terms and conditions. Always be prepared by getting the coverage you need for your trip.

CC Eustaquio

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