Damaged Items
Not stolen – damaged items! If you’ve dropped your brand new iPhone and completely broken it, the right travel insurance company will cover you for the cost of either having it fixed, or send you the money to buy a new one. Again, another thing we have used on the road.
Personal Liability
Just like your car insurance back home covers you for the same thing, travel insurance will cover you for personal liability. And you don’t just have to be driving a car to need this protection! In 2015 a Canadian lady bumped into an elderly local lady, who fell and hit her head, unfortunately passing away. Although the police acquitted her of any fault, the victim’s family sued in a Chinese court, and the tourist was ordered to pay over $90’000 in damages (source). It’s not common when travelling, but accidents do happen.