There are some things you know you’ll never leave home without when you’re packing for a trip. But besides making sure you’ve grabbed the property attire for the weather where you’re heading and double-checking that you haven’t forgotten your essential chargers, it can also be important to make sure you’re covered with travel insurance. Most packages can be a way to secure some peace of mind about being prepared for any mishaps on the road, like lost luggage or flight changes. But if you’re looking to get the most out of your plan, there are a few things you should know before you make your decision. Read on to see what experts say are the best travel insurance hacks you should know.
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Double check which coverage you already have.
Credit cards today are much more than a way to pay for items without cash. Even many basic options come with all kinds of perks and bonuses, not to mention ways to make it cheaper to book travel with rewards points. But they can also include some built-in insurance you didn’t even realize you had—along with other services you’re already paying to use.
“Check with the credit card you used to purchase the travel,” says John Rosechief risk and security officer of travel management company ALTOUR. “The American Express Platinum card, for example, has some travel insurance coverage from AIG and already contains medical evacuation coverage through American Express. People should also check their homeowner’s or renter’s policy as it may contain coverage for any lost or stolen items, such as luggage. Don’t buy double coverage, but make sure you have coverage for the things you are concerned about—namely, trip cancellation, medical assistance, and so