• 27
  Nov
  2009

• Smile for Your Camera: It Has Insurance

  
  Filed Under: Blogging
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When you see your $1,000 top-of-the-line, all features loaded camera dangling off a cliff when your son’s trying to become the next National Geographic star, it’s only natural that thoughts of your travel insurance appear uninvited. So, does your international travel insurance cover your camera?

The answer really is in the type of insurance you get. Some plans may offer it as an optional rider, but most international travel medical insurance plans only cover loss of items by a common carrier. That is, if the airline loses your baggage, and if your camera was in it, the loss is covered.

You may already have personal items insurance, renter’s insurance, or homeowner’s insurance that will cover your personal effects, but ensure that the coverage applies even if you travel overseas. Also remember that if you end up making a claim on a lost camera through your renter’s insurance, your premium may increase.

The best option is to check which plans offer the benefit using an online comparison site, and purchasing the extra coverage, if needed, as an additional rider. If you lose your camera to theft, ensure that you have the police report to attach with your claim. Of course, it is always better to be safe than sorry.

Travel tip: Always hang your camera around your neck when in use, and the camera bag, across your shoulder.