Globe-trotters should check with their insurer before heading for the airport

- Life insurance may not automatically cover you while traveling abroad, potentially leaving families vulnerable
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Policies can contain exclusions for certain countries, high-risk activities, or lengthy stays overseas
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A simple check-in with your insurer could prevent denied claims and financial hardship for loved ones
As Americans pack their bags for international adventures in record numbers, an overlooked detail could transform their dream trips into financial nightmares: life insurance that stops at the border.
According to Mariah Bliss, a life insurance expert with Everly Life,far too many travelers assume their life insurance offers blanket protection no matter where they roam. In reality, thats not always true and failing to check could leave families exposed to devastating consequences.
Most people assume their life insurance follows them wherever they go, but thats not always the case, Bliss warns. Your policy may contain territorial restrictions or exclusions that many travelers never even consider.
In recent years, remote work, digital nomad lifestyles, and long-term overseas assignments have fueled a surge in international travel. However, this trend also increases the likelihood that Americans might find themselves in places or situations where their life insurance doesnt apply.
Geographic gaps,high-risk zones
The idea that life insurance could leave you stranded might seem far-fetched, but Bliss explains that many standard policies were written without globe-trotting policyholders in mind. Territorial limitations are often buried in the fine print, restricting coverage to specific countries or regionsor excluding entire areas considered high-risk due to political instability, conflict, or crime.
A death that occurs in a country not covered by your policy could result in a denied claim, leaving your beneficiaries without the financial protection you thought youd provided, Bliss says.
This isnt merely theoretical. Many insurers maintain lists of high-risk countries flagged due to government travel advisories. Travel to these destinations can mean coverage exclusions or may require ridersspecial add-ons to maintain full benefits. For travelers heading to regions with ongoing conflict or political unrest, this scrutiny becomes even more critical.
Hazardous activities could be troublesome
Geography isnt the only concern. Bliss points out that what you do while traveling also matters. Adventure sports, volunteer work in conflict zones, journalism assignments in dangerous areas, or even certain types of business travel can be classified as hazardous activities. Such pursuits might trigger policy exclusions or significantly higher premiums.
Its not just where youre going, but what you plan to do while youre there, says Bliss.
Proactive Steps for Travel-Savvy Coverage
Fortunately, avoiding these pitfalls is relatively simple. Bliss urges travelers to take proactive steps:
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Notify Your Insurer: Dont assume your insurance company knows about your travel plans. A quick call or email documenting your destinations and activities can help prevent future claim disputes.
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Consider Global Riders or Expat Policies: If your policy has territorial limits, ask your insurer about worldwide coverage riders or specialized expat insurance.
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Review Beneficiaries and Claims Process: International claims can be more complicated than domestic ones. Make sure beneficiaries understand the process and have necessary documents.
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Keep Records: Detailed documentation of travel plans, destinations, and activities can prove invaluable if questions arise.
The more transparent you are with your insurer about your lifestyle and travel habits, the better they can tailor your coverage to protect you, Bliss emphasizes.
As global travel continues to boom, Blisss message is clear: a few minutes reviewing your life insurance before you fly could mean the difference between peace of mindand financial heartbreak for the family you leave behind.
Posted: 2025-07-10 14:51:49