The Importance of Travel Insurance: 2

Some types of travel insurance simply are not necessary. Flight insurance, for instance, tends to be too expensive to do much good.

Trip cancellation and/or interruption insurance can be helpful but only under certain circumstances. If you paid a few hundred dollars for a flight, not so much. But expensive tickets or cruise trips, oh yeah, cancellation insurance is definitely a good idea. However, get it independently, rather than from whatever company provides the trip.

It is also extremely important that you check out your health care insurance before you travel. You need to see if you are already covered even if you are abroad. Many people think they do when they actually do not, and that can make for a really hairy situation.