Most auto Insurance policies written in the US are valid in the US and Canada only. Read the territory definition of your policy to determine if Canada is covered. As far as other countries than the US and its territories ( US VI, PR , Guam etc) the answer is almost always no.
However you may be able to secure coverage through your umbrella policy. If you do not have an umbrella policy talk with your agent and see if you can obtain one. That is a potential source of coverage as the territorial definition is usually global, but then there are restrictions for auto use so you really need to talk with you agent about your specific umbrella and where you will be traveling. Places like Mexico can be exceedingly difficult since you are required by their laws to buy their liability insurance. What I tell customers is 1) always buy at least the minimum limit of liability coverage at the rental counter in a foreign country ( except Canada) . And then 2) always have an umbrella and be sure to ask your agent about this issue with the umbrella before you buy it . Their is generally no uniformity in the way umbrellas treat this issue.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
This is a crucial question in states that border the US and Canada and Mexico. There is usually coverage for operating your car in Canada and extremely limited coverage for operating your car within a few miles on the Mexico side of the US and Mexico border. All other countries, including Mexico require local insurance. Near the Mexican border agencies are established that specialize in this coverage.
That is a great question! While you are able to drive in any State with your coverage, once you've crossed the border, it's not a safe bet that you are. Check with your agent before your trip, and find out exactly what is allowed. Canada might not be so much of a problem, but traveling to Mexico might be. And outside of the Continental borders will almost certainly be a no on coverage. Check with your agent, okay? Thanks for asking!
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However you may be able to secure coverage through your umbrella policy. If you do not have an umbrella policy talk with your agent and see if you can obtain one. That is a potential source of coverage as the territorial definition is usually global, but then there are restrictions for auto use so you really need to talk with you agent about your specific umbrella and where you will be traveling. Places like Mexico can be exceedingly difficult since you are required by their laws to buy their liability insurance. What I tell customers is 1) always buy at least the minimum limit of liability coverage at the rental counter in a foreign country ( except Canada) . And then 2) always have an umbrella and be sure to ask your agent about this issue with the umbrella before you buy it . Their is generally no uniformity in the way umbrellas treat this issue.