Travel Insurance: Why You Need It and How to Choose

Don't Travel Without Insurance

Many travelers skip insurance to save money, but one medical emergency can cost millions. Here's why you need coverage and how to choose wisely.

What Travel Insurance Covers

• Medical emergencies and hospitalization
• Trip cancellation/interruption
• Lost, stolen, or delayed baggage
• Flight delays and missed connections
• Emergency evacuation
• 24/7 assistance services

How to Choose a Policy

Compare coverage limits, read exclusions carefully, check adventure sports coverage, verify medical evacuation amount (minimum $100,000), and read customer reviews.

Cost of Travel Insurance

Typically 4-10% of trip cost. Emergency medical alone can cost $50-100 for comprehensive coverage.