This reimburses non-refundable travel costs if your trip is cancelled or seriously delayed due to a natural disaster, illness or if the airline goes out of business. This is the main reason people buy travel insurance.2. Baggage and personal items coverage:
If someone steals something from your bag or your luggage is lost, travel insurance will cover your missing items up to a certain limit. Most baggage and personal belongings coverage only pay up to $2,000; it’s your homeowners policy that will do a better job of covering your personal property. If you’re looking to protect your belongings, travel insurance can only help to a certain amount.3. Emergency medical insurance:
When you’re traveling abroad, it’s important to stay covered in case of accidents. This is another popular reason people get travel insurance. Before buying, check with your insurance agent to see if the insurance you currently have will protect you in case there is a health emergency outside of the country.4. Accidental death or dismemberment insurance:
If you or a loved one dies on the trip or suffers a life-changing accident this insurance can pay out up to $500,000, depending on the situation. Again, check with your insurance agent as this may already be covered in your personal insurance and may not be needed.
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