Insurance is, ideally, something you rarely have to think about. You did your research, and you have coverages in place that protect you, your family and your property. But have you ever considered what happens when you leave the United States? Whether it’s that spring break trip to Mexico or a long-awaited tour of Europe, it pays to know what your insurance will and won’t cover while you’re abroad.
This varies widely by carrier, so you’ll want to do your homework before you leave the United States. The State Department recommends contacting your insurance company before your trip to ask about what medical services overseas are included in your coverage. You might be surprised; some activities that could be considered “risky” (like that ATV tour) may not be covered by your insurer. It pays to check!
Medicare does not cover emergency medical services if you are travelling outside of the United States. Check with your insurer about supplemental coverage.
You can’t assume that the vehicle insurance you rely on in the United States will automatically apply in a different country. If you are planning on renting a car overseas, make sure you have a plan in mind before you arrive. Check with your insurance agent to confirm what is and isn’t covered by your auto insurance policy. Beyond that, you might want to consider additional coverage, which can be found through:
The good news is, most homeowners and renters policies cover you even when you’re not at home. If you lose your luggage or your jewelry is stolen, the coverages you have in place in the United States will typically apply overseas, as well. As always, check with your agent — if the item isn’t covered before you leave the country, you might be out of luck!
When traveling overseas, it pays to be prepared. Consider bringing:
Your vacation should be filled with good memories and a break from the daily grind. If the unexpected does happen, a little extra preparation can make all the difference between a vacation that’s one for the books … and one you’d rather forget. And whether you’re at home or abroad, you can enjoy the peace of mind that comes with having insurance through your Farm Bureau agent. Call your agent today to learn more about how your agent can protect what matters most in your world.
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