Buying Travel Insurance

WHAT IT COVERS The amount of coverage needed depends on where you're going, what you're spending, and what you're bringing. Your health coverage may remain depending on the destination, but extra insurance can help cover additional outof-pocket expenses. Check credit card offers, too. Then look for the plan that comprehensively addresses any remaining concerns, with a focus on reimbursements for missed connections, lost bags, refunds if you become sick or otherwise can not travel, and medical emergencies. Most providers offer an array of policies meant to cover all levels. You can purchase individual insurance or family coverage. There are also multi-trip plans available.

IN AMERICA Experts agree that travel insurance is generally not necessary when taking a trip within the United States. The policy is meant to protect you from canceled reservations and, more importantly, help with doctors expenses. Your personal health insurance would cover any medical emergency, and the typical domestic flight and hotel room may not be worth covering. Some U.S. airlines offer penalty-free cancellations or flight transfers. Credit-card companies also have special travel-related provisions.

WHEN ABROAD Help may not be easily found in some faraway places. "Many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans," according to the State Department. "Medicare does not provide coverage outside of the United States." A U.S. Embassy can help with a stolen passport. They can also get in touch with family or help facilitate communication with local authorities. But they can not provide emergency transportation in most instances, or help with financial losses.

HOW TO BUY Travel insurance is a good idea if your prepaid trip doesn't allow cancellations without penalty, or if you are traveling to a place where weather could play a deciding factor. Travel agents often help with purchasing insurance while booking trips. Sites like Expedia have options, as do cruises - which usually offer a coverage package when you sign up.

Airlines may have special offers through their website. There are a variety of travel insurance companies to choose from, as well.