when traveling register your travel plans with the state department through its free travel registration website the smart traveler enrollment program step the nearest embassy or consulate can contact you if there is a family state or national emergency 
damage and baggage losses coveragebaggage and personal belongings being lost stolen or damaged is a frequent travel problem and can quickly ruin a trip as you must shop for replacements baggage and personal effects coverage protects lost stolen or damaged belongings during travel to in and from a destination however many travel insurance policies pay for belongings only after you exhaust all other available claims baggage coverage may have many restrictions and exclusions such as only covering up to 500 per item and 250 for each additional item you may be able to increase or decrease amounts shop around for coverage or increase limits by paying more for example the insurance may not pay for lost and damaged luggage due to airline fault most carriers such as airlines reimburse travelers if baggage is lost or destroyed due to the airline s error however there may be limitations on reimbursement amounts so baggage and personal effects coverage provide an additional layer of protection 1rental insurancevacation rental insurance covers costs from accidental damage to a vacation rental property some plans also offer trip cancellation and interruption to help reimburse costs when you can t use your vacation rental some of these reasons could include the following rental car insurance covers a rental car s damage or loss while on a trip taking the place of the rental agency s collision damage waiver cdw or your regular car insurance policy policies vary and may cover collisions theft vandalism and other incidents rental car insurance may be a secondary policy to your own car insurance however it doesn t cover your liability or legal responsibility for damage or injury you cause to others 1travel health insurancemedical coverage can help with unexpected international medical and dental expenses and help with locating doctors and healthcare facilities abroad as with other policies coverage will vary by price and provider consult with your current medical insurers before purchasing a policy to determine whether a policy extends its coverage outside the country most health insurance companies pay customary and reasonable hospital costs if you become sick or injured while traveling but few will pay for a medical evacuation 6the u s government doesn t insure citizens or pay for medical expenses abroad before purchasing a policy read the provisions to see what exclusions such as preexisting medical conditions apply don t assume that the new coverage mirrors that of your existing plan routine medical care is typically excluded unless you buy a long term medical plan intended for expatriates missionaries maritime crew members or others abroad for extended periods medicare or medicaid generally don t cover medical costs overseas unless you have specific medicare advantage or medigap plans covering emergency overseas care 78accidental death and dismembership ad d coverageif an accident results in death or serious injury an ad d policy pays a lump sum to surviving beneficiaries or you for an injury the insurance usually offers three parts providing coverage for accidents and fatalities 1exclusions that may apply include death caused by drug overdose or sickness in addition only some injuries may be covered specifically hand foot limb or eyesight there are stated amount limits per injury accidental death coverage may not be necessary if you already have a life insurance policy however benefits paid by your travel insurance coverage may be in addition to those paid by your life insurance policy leaving more money to your beneficiaries other travel insurance coveragedepending on your plan or package selected you may be able to add the following travel insurance types 