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Is it better to get travel insurance?

How do Americans get personal liability insurance when they travel internationally?

  • I browsed World Nomads' offerings for various countries (Euro, UK, US, Australia) and also I browsed various (UK and US based) travel insurance policies for non residents when I found that in every part of the world the two main benefits in a travel insurance policy are: - emergency medical cover - in the range of millions - personal liability cover - in the range of millions as well Except for the US, where you get only emergency medical cover but no personal liability cover. I don't know much a bout the US system but how they get personal liability covers? Perhaps their home insurance policies cover for overseas incidents? The reason I am asking is because many US companies also offer travel insurance for non residents as well but non residents may want personal liability cover as well as it is given with insurance policies based in other parts of the world.

  • Answer:

    https://travelersally.com/plan/atlas-international-travel-insurance/  provides personal liability for non-US and US citizens traveling outside their home country. Take a look at the product and let me know if you have any questions.

Lisa Carroll at Quora Visit the source

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There are a couple of options:https://www.internationalinsurance.com/ihi-travel/ offers up to $1 million in personal liability but is not currently available to US citizens.https://www.internationalinsurance.com/hcc/atlas/, available to anyone traveling abroad, offers $10,000 in personal liability with the option to add another $90,000 to bring the total to $100,000.Here is a helpful article you might be interested in: https://www.internationalinsurance.com/news/personal-liability.php

Joe Cronin

Unlike Auto Insurance, Liability insurance provided through US Homeowners policies typically provides Worldwide coverage. More specifically, there are no territory limitations to the liability coverage part provided by http://www.iii.org/sites/default/files/docs/pdf/HO3_sample.pdf policies.Therefore, if you own a homeowners, tenant or condo insurance policy in the United States, the limit of liability you carry on your insurance policy should apply throughout the world.It is important to note, that every homeowner's liability policy has exclusions. A homeowners policy is no exception. Common exclusions include: Use of a Motor Vehicle Use of Watercraft Use of Aircraft Business exposures As other posters have noted, for those without a personal home insurance policy and even those who do, it may be in your best interest to purchase a specific Travel Insurance Policy. Travel insurance contracts that provide personal liability coverage generally offer other valuable extensions of coverage for common exposures to loss while traveling.Thanks for the A2A

Jeff Ryan

Most US homeowners or tenant's policies will cover personal liability anywhere in the world.

Craig Anderson

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