Travel Insurance Tips When Going on Vacation

Before You Leave the House
First and foremost, have the phone numbers and policy numbers handy for your auto insurance, home or renter's insurance and health insurance. This will enable you to contact your agent easily and quickly in case of an emergency or accident.

If you're going to be gone on vacation for a week or more, it's also a good idea to shut off the water in your house. If the plumbing springs a leak or your water heater goes out, severe damage, which could result in an increase in your home insurance rate, can be avoided. To make it less apparent that you're gone and ward off a potential home burglary, set up a timing system for your lights, and if possible, have a neighbor check on your house periodically.

Your Auto Insurance Claim on the Road
The U.S. Department of Transportation reports that there are more severe accidents in the summertime, where long periods of daylight occur and there is increased traffic on our highways. Should you have a car accident, most insurance companies have 24/7 claim service, but you should check to see if your insurance company provides this. As you would when you're in town:

• File a police report.
• Get all of the pertinent information from the other driver, including a name and phone number, license number, insurance company and policy number.

Check to see if rental car coverage is included in your policy and how that works with your company. For a few extra dollars a month, it can keep your vacation rolling without hurting your pocketbook.

Out of Town Health Insurance and Travel Insurance

Whether you're traveling domestically or abroad, it is important to check your health insurance company's list of prescreened, in–network hospitals and doctors that are located in the area you plan to visit. If you get sick or injured, you'll know where to go and what to do.

Most companies cover you when you travel abroad, but if that is not the case, you can purchase travel insurance. If you are already buying this to cover trip cancellation or lost luggage, you should be able to add on a medical policy. Although the State Department does not officially endorse any doctor or practitioner, you can contact the Consular Officer at the U.S. Embassy for a list of English speaking doctors in your destination countries.

Domestic practitioners will work similarly to your local doctor or hospital, requiring the co–payment that's in line with your health care plan. International practitioners may require you to pay the bill in full after you've received treatment outside the U.S., and then receive reimbursement by your insurance company (if international coverage is provided) after you've filed your claim.

Getting ready to head out of town? A little preparation can go a long way when you're on vacation, enabling you to relax and enjoy your time away from home. It's also easy to get free auto insurance quotes, home insurance quotes, and health insurance quotes from NetQuote.

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