Dos and don'ts of travel insurance

(NC)-What do seniors need to know before they head south for the winter? AIG Travel Guard ( offers some dos and don'ts for Snowbirds.

Do get travel insurance to protect your investment. Travel isn't getting any cheaper, so buying travel insurance means that you have options if something happens that's beyond your control while you're away.

Don't rely on credit card travel insurance or the government health insurance plan to pay your medical bills. Why take the chance that they won't cover all of your medical expenses.

Do book early. The sooner, the better. Insurers are more likely to give you a deal if you book well before your departure date.

Don't hold back any health information. Even minor changes in your pre-existing condition or a new prescription needs to be shared with your insurer. Otherwise you risk being denied your claim when you need it most.

Do your research. Know what you need, what you want and understand all of your plan's details. Work with your insurer to find out exactly what you're covered for and ask a lot of questions. Good insurers want you to understand every detail before you leave.

Do consider purchasing the loss and damage waiver for your rental car through your travel insurance. If you rent a car at your sunny destination, purchasing the loss and damage waiver through a travel insurance company, such as AIG Travel Guard, can cost you much less than through the rental car company.


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