Often travelers dismiss travel insurance as an unnecessary additional cost, especially when they are in good health. But even the healthiest traveler can benefit from insurance when volcanic ash covers air space over half a continent, an earthquake hits your destination, or a region becomes politically unstable.
Here are a few items to think about when purchasing travel insurance:
-Would you benefit from comprehensive travel insurance (covering trip cancellation, interruption, and delays) or will medical-only insurance (medical evacuation, medication, and medical treatments) suffice?
-Will your US health insurance provider cover medical care outside of the US?
-If you are booking hotels or flights online, are the websites’ protection plans worthwhile?
-Read the fine print: know whether your plan covers items like pre-existing conditions, civil unrest, and natural disasters.