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Make Sure You’re Not Already Covered

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Your regular health plan—and even your homeowner’s policy or credit cards—may
offer coverage for things like medical care or lost baggage. Homeowners’ policies often cover
loss of personal property (though perhaps not overseas), and your health plan may even offer basic
care around the world. “Many health policies will cover you partially overseas, though you
may still have gaps—maybe covering only 60 percent of your expenses,” says InsureMyTrip.com’s Evans. Before you buy any
coverage, he says, “your first stop is to call your health-care provider and say,
‘I’m going to Greece,’ and ask what coverage you’d have there.”

Many credit cards, meanwhile, offer perks to members for nominal or no charge, such as help
finding a doctor while you’re on vacation, or getting a replacement for a lost passport. With
American Express, for instance, card members automatically get some coverage for lost bags,
assuming you pay for your ticket with your Amex card. If you pay an extra $10 per airline ticket,
meanwhile, you get Premium Baggage protection—a “primary” plan that means the
insurer pays you first, so you don’t have to wait to see what the airline will offer up if
they lose your skis.

Top Tips for Buying Travel Insurance

Make Sure You’re Not Already Covered

Your regular health plan—and even your homeowner’s policy or credit cards—may
offer coverage for things like medical care or lost baggage. Homeowners’ policies often cover
loss of personal property (though perhaps not overseas), and your health plan may even offer basic
care around the world. “Many health policies will cover you partially overseas, though you
may still have gaps—maybe covering only 60 percent of your expenses,” says InsureMyTrip.com’s Evans. Before you buy any
coverage, he says, “your first stop is to call your health-care provider and say,
‘I’m going to Greece,’ and ask what coverage you’d have there.”

Many credit cards, meanwhile, offer perks to members for nominal or no charge, such as help
finding a doctor while you’re on vacation, or getting a replacement for a lost passport. With
American Express, for instance, card members automatically get some coverage for lost bags,
assuming you pay for your ticket with your Amex card. If you pay an extra $10 per airline ticket,
meanwhile, you get Premium Baggage protection—a “primary” plan that means the
insurer pays you first, so you don’t have to wait to see what the airline will offer up if
they lose your skis.

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Top Tips for Buying Travel Insurance

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