Travel insurance for the technologically savvy?

antifuse — Tue, 10 Apr 2007 06:39:47 -0800

Help me insure my expensive gear while I'm travelling between residences! Ok, as my last question implies, I'm heading off on a kickass 6 week trip shortly, as my fiancee and I make our way back to Canada from Ireland. Unfortunately, things are a bit confusing when it comes to the insurance situation. Health insurance is easy - Soon-To-Be-Mrs. Antifuse is getting worldwide health insurance any way, because she won't be covered for her first three months back in Canada (and technically, I might not either, having been gone for some time... but I digress). More importantly, we want to insure our stuff!

What she's bringing that needs insuring:

- the brand spankin' new engagement ring

What I'm bringing that needs insuring:
- My laptop, worth maybe $1000 (or, say, $1500-2000 to replace with a comparable model [more because it's small than because it's fast])
- My camera gear, worth roughly $3000

I've looked at some of the previous travel insurance threads on here, and while there was some OK links in there, I couldn't find anything that would help with my particular situation. Now, here's the real kicker - does it make sense to try and find a travel insurance plan that covers all these items, and if so is there a way to do it that won't cost me $800? I understand that things like this are normally covered under home/renter's insurance, but I've got a bit of a pickle - my fiancee and I are going to basically be without a residence while we're travelling. We're giving up our apartment here when we leave, and we're moving into my mom's place temporarily when we get back to Canada. So we can't really have home insurance if we don't have a home! I've asked my mom if she can put us in a rider on her home insurance, but I'm afraid of getting caught in a "Well, you weren't technically residents of that home at the time you started your travel" loophole.

So, does anybody have any insurance advice? And no, "just don't bring your expensive stuff" isn't really an option. I'm not *overly* worried about losing any of our stuff, but I just want to make sure that we covered in a worst-case scenario. For added details, we're currently residents in Dublin, Ireland, and we plan on being residents of Mississauga, Ontario, Canada once we get home at the end of our trip.

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Travel insurance for the technologically savvy?