Travel insurance feels like an annoying extra until the day you need it. A broken ankle on a hiking trail, appendicitis far from home, or an emergency flight back for a family crisis can cost tens of thousands of dollars.
Whether you need to buy a policy depends on what you are already covered for — and many people are covered for less than they think.
Medical cover is the big one
Your home health cover may not work abroad, or may cover only a small part of the cost. Emergency medical treatment and medical evacuation are the most important parts of any travel insurance policy.
Check what you already have
Some credit cards include travel insurance when you book with them, and some employers or bank accounts provide it too. Read the details carefully: coverage limits, age limits, and exclusions vary widely.
What to look for in a policy
High limits for emergency medical costs and repatriation
Trip cancellation and interruption cover for non-refundable costs
Cover for the activities you plan to do — skiing, diving, and scooter riding are often excluded
Clear rules about pre-existing medical conditions, declared honestly
A 24-hour emergency assistance line
Buy it early
Buy insurance soon after booking your trip, so that cancellation cover protects you if something happens before departure.
This is general travel information, not professional, legal, medical, or financial advice. Airline rules, entry requirements, and prices change — confirm with airlines, official government sources, and your insurer before you travel.
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