College spring break is a week for fun, sun and feeling carefree. However, life does come with risks, as does traveling. Insurance can help mitigate those risks, but with so many different kinds, what are the plans that are most beneficial for spring break? Whether you’re a student looking to protect the cash you’re spending on your trip, or a parent worried about your student’s safety while they’re away (and possibly abroad!), here are a few plans you may want to consider to make your spring break more carefree.
Well… this one’s pretty obvious. It’s easy to skip over travel insurance and opt-out when buying your flights or booking your hotel – I mean… what are the odds that your trip logistics will get that interrupted? You can never know in advance, but you may want to consider travel insurance for spring break for several different reasons. Travel insurance can help protect you from reimbursement restrictions, can help provide you with extra protection in case of a medical event during your travels (like medical evacuation), and provide you with assistance services you may not have access to elsewhere while traveling. For a relatively low cost, travel insurance can help take care of the odds and ends if your travels hit a snag.
You’ll be away from home while you’re on spring break – will your belongings be protected? Renters insurance can help you protect the belongings you leave behind from theft and damage,and the belongings you bring along with you thanks to worldwide coverage. Theft is a common worry when traveling, and renters insurance with replacement cost can help you replace your belongings for their true value. If anything happens to your residence while you’re away, renters insurance can help protect you against covered perils. With renters insurance, you can help protect not only what you bring with you on vacation, but also what you leave behind at home.
60% of spring breakers are injured, oftentimes these injuries are self-inflicted (source). That’s a pretty staggering statistic! Are you protected against medical costs in case something happens while you’re away? Make sure to check in on your health plan to see if you’re covered wherever you are going. If not, you may want to consider purchasing a temporary plan or an endorsement to get the coverage you’ll need in case something goes wrong.
Are you taking a road trip? Planning to rent a car abroad? Make sure your auto insurance travels with you. For a road trip, you may want to consider purchasing additional coverage, like a roadside assistance program, in case you run into any problems out on the road. If you’ll be driving abroad, talk with your agent to ensure your coverage will hold up overseas. Always take extra caution driving in another country – brush up on driving etiquette for that area to make sure you know the rules of the road.
As I mentioned above, theft can be a concern when traveling. It’s especially risky if your passport is one of those things that can be stolen! Young adults are already the age group slowest to detect fraud (and the most common targets), and no one wants to deal with such stress while on vacation. Identity Theft Protection can help detect instances of ID theft and help resolve any cases that arise.