Short Term Equipment Insurance

RalphM wrote on 3/31/2010, 9:55 AM
My daughter (age 23) will be taking a two-week trip to China in August, taking a new Canon D5 II with her. this is her first international trip and I'm concerned that she will under estimate the risks of theft of this equipment.

Is short term insurance available for this situation, and if so, any recommendations would be appreciated.

Thanks,
RalphM

Comments

musicvid10 wrote on 3/31/2010, 10:09 AM
If this is a personal and not a business trip, it "should" be covered under your homeowner's personal property insurance.

You will have to contact your agent and add an extension or rider naming the itinerary. Shouldn't cost much extra, though.
TheHappyFriar wrote on 3/31/2010, 10:38 AM
most homeowners has a limited $$ value. I'm imagining any camera over $1k will not be covered in full (the coverage normally covers ALL your electronics, not just one piece). think of it this way: the camera is one piece, so is a removable lens, so is a battery, tripod, etc.

Depending on the size of the camera it could be caryon too. I've taken my Sony HDR-1000U as carry on every time I've flown with it. I got a special bag just for it & filled it with underwear & socks to protect it. and toothpaste/brush. :)
TimTyler wrote on 3/31/2010, 7:30 PM
Leave the Canon at home and get her a $400 Panasonic Lumix DMC-LX3.

Much easier to travel with and much less likely to get stolen.
willqen wrote on 4/1/2010, 12:31 AM
Excellent suggestion! The thieves come at you from all sides. Pickpockets, airport staff. hotel staff, street robbers, etc., I don't mean to scare you, or otherwise cast a dark cloud over your daughter's trip, just don't take anything with you that you can't afford to lose. It's a mean world out there . . .

Will
ChristoC wrote on 4/1/2010, 1:14 AM
Travelling to China I'd definitely take out Trave Insurance to cover loss of baggage, life, limbs, tickets, accidents, hospital, medical, dental, repatriation in case of illness, cancellations, etc - normally these policies also cover damage or loss of personal effects up to some fixed limits, including laptops, cameras, watches etc, and often these limits can be increased for additional small fee.