Some plans specifically exclude mobile phones from cover, leaving you out of pocket should something happen to your phone while you’re abroad. If mobile phones are covered by your travel insurance then the protection is either via the “Valuables” section of Personal Belongings/Baggage or specific “Gadget” cover (which should include mobile phones).
What is travel insurance assistance coverage?
As a general catchall, travel insurance plans offer assistance coverage. This is a phone number, reachable from all over the world, you can call, collect, if necessary, to “get the ball rolling” for the help you need any time of the day or night.
Is travel insurance only for medical expenses?
Many people have the misconception that travel insurance is only for medical expenses. In reality, travel insurance, depending on the plan, covers a wide variety of things. In most cases, however, there are a few basic things that all plans cover in some way:
What does health insurance cover when traveling abroad?
Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel. Even if your plan from home covers basic emergency care overseas, your current health insurance provider will almost certainly NOT pay to evacuate you and repatriate you back to the U.S.
Will Travel Insurance Cover Smartphone Damage?
Many travel insurance plans do not offer coverage for smartphones and higher-priced tech gadgets. Some travel insurance companies do offer premium plans that cover phones, laptops, and other expensive pieces of technology. If you aren’t sure, call the company and ask to speak to a customer representative.
Tips to Protect Phones and Gadgets During Travel
A lot of things can happen to your smartphone and related gadgets as you travel, including theft, hacking, and identity theft. Here are some tips to help keep your smartphone and laptop safe. And if you’ve recently bought a Galaxy tablet or phone, you will be interested in the Samsung insurance plans and warranties.
Lawrence Bonk is a copywriter with a decade of experience in the tech space, with columns appearing in Engadget, Huffington Post and CBS, among others. He has a cat named Cinnamon.
When are you not covered?
There are a number of common exclusions which travellers can run into when trying to claim for a mobile phone.
How much does phone insurance cost?
Phone plan insurance. You can purchase standalone phone insurance, either through your phone contract, or with third-party providers for around $10-$25 a month. They generally cover accidental damage, theft, loss, and electronic damage, but won’t cover for things like scratches, wear and tear, data loss or fire.
What does Asia mean?
Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*
How long does it take to report a loss to travel insurance?
Most policies will maintain that it is your responsibility to report theft or loss to the relevant authority (and your travel insurance provider) within 24 hours.
How long does a credit card last after purchase?
Many credit card brands include purchase protection benefits, which protect your purchased items for anywhere from 30 days to a year after purchase, provided that you paid for them on your credit card.
Do insurance companies cover mobile phones?
Given that they are both fragile and expensive gadgets, many insurers have exclusions for when they will cover mobile phones. Many don’t cover for electronics failures (consider requesting a non-faulty replacement from your manufacturer), while others exclude cover for cracked screens or water damage.
Can you leave your phone behind on your insurance?
Leaving your mobile behind in a taxi, hotel room, aeroplane or in an unlocked car, for instance, wouldn’t be covered by most insurance policies given the phone was left unattended in a public place.
What does travel insurance cover?
Travel insurance coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home.
What does baggage cover?
Baggage Coverage can reimburse you for your personal belongings if your luggage is lost, stolen or damaged.
What does emergency evacuation cover?
Emergency Evacuation Coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.
What is travel delay coverage?
Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.
What is trip cancellation coverage?
Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.
What happens if a hurricane hits your flight?
Hurricane damages your destination or cancels your flight
Who is the founder of CoverTrip?
Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.
What is assistance coverage?
This is a phone number, reachable from all over the world, you can call, collect, if necessary, to “get the ball rolling” for the help you need any time of the day or night.
What does travel insurance cover?
In most cases, however, there are a few basic things that all plans cover in some way: Cancellations. Medical expenses. Evacuations.
Does trip insurance cover sickness?
Most trip insurance providers cover cancellations for a variety of reasons, including sickness, either yours or someone’s for whom you must care, a death in the family, natural disasters or epidemics at your destination or even terrorist activity, in your destination area.