Simple & flexible trip insurance for international or domestic travel. Baggage insurance — for luggage that is lost, delayed, or damaged — is included in most comprehensive policies, but it’s rare to buy it separately, and there’s a strict cap on reimbursement for such items as jewelry, eyewear, electronics, and camera equipment. If you check your baggage for a flight, it’s already covered by the airline (ask your airline about its luggage liability limit; if you have particularly valuable luggage, you can buy supplemental “excess valuation” insurance directly from the airline). Homeowners or renters insurance typically covers your possessions anywhere you travel; the baggage insurance covers the deductibles and items excluded from your homeowners policy. Double-check the particulars with your agent. If your policy doesn’t cover expensive rail passes, consider Rail Europe’s Rail Protection Plan , which must be purchased when you buy your pass; it covers loss and theft of the pass — but doesn’t cover trip interruptions.
How to shop: When booking travel for two or more people, book only one ticket to start because a quirk in airline reservation systems means multiple tickets sold in a single transaction must be sold for the same price. For example, if you need two tickets and the airline has one ticket for $100 and all the others cost $125, you will pay $125 for both. However, if you purchase the two tickets one-at-a-time, you will get the cheaper price for one of your tickets.
You should consider buying Annual Travel … Read the rest