If you’re planning a trip, whether overseas or domestic i would highly recommend getting travel insurance. For a few additional dollars, it can save you from the cost or expense resulting in unforeseen circumstances. Travel insurance can cover medical expenses should you be injured or get into an accident during your trip. It can handle shipping of a departed loved one home. It can cover loss, theft or damage to your baggage and personal possessions. Some travel insurers even cover the additional cost of getting new flights should your flight be cancelled or delayed.
Of course, as with any other contracts, you shouldn’t forget to read the fine print. Some policies commonly exclude pre-existing medical conditions, injuries or flight interruptions due to war or terrorism, pregnancy related expenses or injury or illness caused by alcohol or drug use. Also, some companies will only accept policies purchased during the purchase of the trip.