Will ID Theft Insurance Protect You While Traveling?
Take a visit to your local insurance company
Most insurance companies now a days offer coverage for traveling and include identity theft coverage as well. It is best to go and discuss your concerns and see what protection they can offer you. You could save yourself a lot of stress and headache by protecting yourself before you go away.
What do most services offer you?
Identity theft protection services cover more than just help if a theft occurs. They also prepare you to avoid such an event and give you the steps to do so. How will they do this?
Prevention Services
Your insurance company will educate you on how identity theft usually happens and will share with you the steps you can take to protect yourself from being a victim. They will also offer you an identity theft resolution kit which provides the resolution forms needed in such an event. You will learn how prevention is just as powerful as protection and the difference between the two so you will be aware of a scam before it even happens.
Detection Services
There are three credit bureaus that deal with fraud and your credit activity. You can access a free report yourself from each of these bureaus once a year but with this service you will be able to set up a fraud alert to inform you of any suspicious activity on your credit cards as soon as it happens.
Resolution Assistance and Guidance
If you are unsure of how to read the credit reports when you receive them, this service will allow for you to have a professional review your information with you by phone and inform you whether or not a fraud or theft has indeed occurred.
If you have become a victim of identity theft, it is your responsibility to provide a theft affidavit to the police, the creditors as well as the credit bureaus. This is not something everyone knows how to complete and with this service you will receive a form to complete and details on how to do it. Also if you need help getting replacement credit, debit or membership cards, there is help provided.
Personal Services
If you are traveling abroad to a country where English is not their first language, you may need a translator. A translator can be provided to help you deal with the police or any other association you may need to contact.
Finally, if you need cash due to theft, you can receive a cash advance of up to $500. You will need to reimburse the company though when you finally come back home and can access more funds.
If your id has been stolen such as your passport you may have a problem coming home. With this service, your nightmare will be over. There will be someone to provide the proof you need to prove who you are and secure you a copy of all necessary documents.
Some people may feel that purchasing ID theft insurance is not something they need to invest in but if you consider the hardships you could incur if you were not protected and something did happen it becomes something that you simply cannot dare to be without.
Author Bio:
If you are still curious on what more steps to take in preventing identity theft, you can visit GuestDoor. You can also visit to know more onTraveler’s Guide to Preventing Identity Theft.
Category: Family Finances
