Travel insurance: that extra expense that feels like a luxury, right? Especially when you’ve already shelled out a pretty penny for flights and hotels. But hear us out – travel insurance might be the smartest investment you make for your vacation.

The trick? Knowing exactly what you’re paying for and avoiding unnecessary coverage. Let’s break down the essentials to ensure you get the protection you need without overspending.

1. Trip Cancellation: Your Safety Net

This is the big one, the bread and butter of most travel insurance plans. Trip cancellation coverage reimburses you for prepaid, non-refundable expenses if your trip is called off due to unforeseen circumstances. Think: sudden illness, severe weather, or even family emergencies.

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Remember: Check your existing credit cards and health insurance plans. You might already have some travel-related coverage built in, reducing the need for extensive separate insurance.

Investing a little extra upfront can save you from a potential financial catastrophe. Don’t let unexpected events ruin your dream vacation – make sure you’re properly protected!