Comments on: Protect Your Tech: The Best Travel Insurance for Your Electronics

By: Chet Frias

Chet Frias

First, thanks for mentioning us @ TCP as an option.

We always ask our customers (photographers and producers alike) what their major concerns are when traveling, so we can understand what sort of insurance they will need. Some are only concerned about their equipment, and some want to know their liability exposure in other countries. It is very common that things get stolen in other countries, so insurance is definitely worth looking into if you plan on it.

Happy Travels to all!
Chet

By: Dave Dean

Dave Dean

In reply to Bruce Nelson.

Thanks Bruce! I think the takeaway that we all agree on here is that it’s really important to check the details of any policy you plan to use to cover you when you travel. One thing I’d add, though — if you don’t have health insurance (many people outside the US don’t, because they’re covered by their public health system when in their home country), then travel insurance or some other policy that covers for emergency medical care overseas is vital. These are the costs that can, and regularly do, bankrupt uninsured travelers.

By: Bruce Nelson

Bruce Nelson

For most of us, a simple homeowners or renters insurance policy will work for equipment, keeping in mind that most policies have a deductible of at least $250. For travel insurance, use of the right credit card can protect one in many ways, though emergency medical insurance isn’t one of them. Many health insurance policies will cover one when out of the country, but almost always involve one paying the bill and getting re-imbursed by the insurance company upon return home. I’m a retired insurance agent and have never purchased any sort of travel insurance, but as the author mentions, some high ticket items should be insured; check the limits on your own homeowners/renters policy and make sure that all of your gear is covered. If not, you can usually buy riders to cover specific pieces of equipment and if you’re a professional, such equipment may need to be covered under its own separate business policy.