I’ll be studying abroad in Cape Town, South Africa and traveling for 5 months. I want to insure my laptop, digital camera and similar things. Which travel insurance plan do you think is my best option to insure these items? Thank you, Jesse
Hi Jesse,
My answer might surprise you since I sell travel insurance, but I don’t want you to spend $450 – $550 on a plan that won’t give you what you want.
In my opinion, it’s not worth buying travel insurance to just insure your laptop, digital camera, etc. That’s because travel insurance plans limit what they pay for categories or the items. You’re better off insuring them with a special items rider on your renter’s or homeowner’s insurance policy.
However, if you also needed medical coverage & emergency transportation, then the baggage coverage would be a good supplement to your renter’s or homeowner’s policy.
And, take a look at this blog post Guard Your Laptop While Traveling.
I hope this makes sense. If not, call us at 1-888-407-3854 and we’ll help you figure it all out.
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