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Planning a vacation is exciting, but buying travel insurance can feel like homework. Between comparing plans, checking what your credit card already covers, and sorting through policy fine print, it's easy to get bogged down in the details before you even pack your bags.
Here's everything you need to know about how to buy travel insurance without the guesswork.
You don't need travel insurance for every trip. If you're driving two hours to visit family, a standalone policy is probably overkill. But if you're spending thousands of dollars up front — or leaving the country — travel insurance deserves a second look.
Travel insurance is most useful for protecting prepaid, nonrefundable costs and covering medical emergencies. Purchasing a policy makes the most sense if you're taking an international trip, cruise, safari, luxury tour, or any vacation where you'd lose a meaningful amount of money if you had to cancel.

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