Singapore Hotels & Malaysia Hotels
About Singapore Malaysia

TRAVEL INSURANCE 4

Before you leave home, compile an inventory of all packed items and a rough estimate of the total value to ensure you're properly compensated if your luggage is lost. You will only be reimbursed for what you lost, no more. Once you've filed a complaint, persist in securing your reimbursement; there are no laws governing the length of time it takes for a carrier to reimburse you. If you arrive at a destination without your bags, ask the airline to forward them to your hotel or to your next destination; they will usually comply. If your bag is delayed or lost, the airline may reimburse you for reasonable expenses, such as a toothbrush or a set of clothes, but the airline is under no legal obligation to do so.

Lost luggage may also be covered by your homeowner's or renter's policy. Many platinum and gold credit cards cover you as well. If you choose to purchase additional lost-luggage insurance, be sure not to buy more than you need. Buy in advance from the insurer or a trusted agent (prices will be much higher at the airport).
If you hold a private auto insurance policy, you probably are covered in the U.S., but not abroad, for loss or damage to the car, and liability in case a passenger is injured. The credit card
you used to rent the car also may provide some coverage.
Car-rental insurance probably does not cover liability if you caused the accident. Check your own auto insurance policy, the rental company policy, and your credit card coverage for the extent of coverage: Is your destination covered? Are other drivers covered? How much liability is covered if a passenger is injured? (If you rely on your credit card for coverage, you may want to bring a second credit card with you, as damages may be charged to your card and you may find yourself stranded with no money.)
Car-rental insurance costs about $20 a day.

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