pat said:
I hesitate to get involved in this thread but since I've been up and down this slippery slope about a hundred times over the years, what the heck?!

Did you actually see IN YOUR SPECIFIC POLICY that you are covered outside the USA?

We had this question many years ago and our agent thought we were covered and told us we were. I asked him to show me in writing in our policy since he said it with an air on uncertainty, and he discovered we were not. And to take this a step further, he had also informed me in that first conversation that our various umbrella policies covered us outside the USA, too. Having gotten the first piece of misinformation from the agent, I asked him to contact the underwriting department in the companies (two different ones) to locate it in writing in our policies, and guess what. We were NOT covered at all since our umbrellas were secondary to where our primary coverage left off. We had more insurance than we knew what to do with in the US but once outside the boundaries, we had nada.

I don't mean to question you on this but many agents just don't know the limits of the coverage and sometimes make assumptions. I would hate to see this happen to anyone, but who knows, perhaps your agent is up to date and perhaps NJ insurance coverage is different, in which event, i offer my humble apologies for questioning you. <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />