Planning an international road trip can be thrilling—new landscapes, new experiences, and the liberty of exploring at your own pace. However, before you rent a car and embark on your journey abroad, it’s crucial to understand how your auto insurance works outside the U.S. At Homeowners Insurance Group, serving the greater Scottsdale, AZ area, we often get asked if domestic auto insurance covers international travel. The answer? It’s conditional.
Traveling in North America vs. Overseas
If you’re driving in Canada or Mexico, your U.S. auto insurance may offer some limited coverage. However, that coverage is usually limited and may not comply with local laws or rental car requirements. It’s always a good idea to check with your agent before assuming you’re covered.
Once you cross an ocean, though, your U.S. auto insurance likely won’t apply. Most standard policies don’t extend to Europe, Asia, or other international destinations. That means if you’re renting a car in Italy or Japan, you’ll need to consider other options for coverage.
What Are Your Options?
If your current policy doesn’t accompany you, you might be able to purchase short-term international auto insurance, often through the rental car company or a third-party provider. This type of insurance typically includes liability and collision coverage, which are essential when driving in unfamiliar territories.
Before you leave the country, take a few minutes to review your coverage. At Homeowners Insurance Group, providing Scottsdale, AZ residents with auto insurance solutions, we’re happy to guide you through your options and help you stay protected, no matter where your journey leads you. Give us a call before your next trip abroad and drive with assurance.
