Traveling can be expensive and most people do not want to add unnecessary expenses to their budget.

Travel insurance is one of those things that you know you should buy but aren’t really sure if it’s worth the money.

It’s also one of those things that you wish you had when you need it.

If you are trying to decide if you should buy travel insurance for your trip or vacation, consider these points and benefits.

Types Of Insurance

The type of travel insurance you need depends on the type of trip you are taking. If you are taking a cruise you can choose travel insurance that will protect your belongings, help you get medical care and even allow you to change the date of your cruise if you can’t go at the time you originally booked.

If you are flying you can find travel insurance that protects you against missed flights, flight delays and lost luggage.

Other general types of travel insurance include trip delays, tour operator default, personal liability, accidental death, legal expenses, repatriation, emergency reunion and dental expenses.

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— Travel Insurance (@Insure_Travel1) June 4, 2014

Benefits

The benefits of travel insurance might not be apparent until you need it. You may not expect to chip a tooth on your vacation, but if you do it’s nice to know you can get it fixed with the help of travel insurance. The biggest benefit of travel insurance is protection during the unexpected. While you hope your vacation goes smoothly, in the event of an emergency your travel insurance could be a life saver.

Cost

Many people are afraid that they can’t afford travel insurance and choose not to get it. Travel insurance can be affordable with prices starting as cheap as $50 a person for many travel and cruise packages. Some credit cards offer inexpensive or even free travel insurance and you may also be able to get a discount on travel insurance if you choose to get it through the same company that carries your car, home or health insurance.

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— airfarewatchdog (@airfarewatchdog) June 1, 2014

The truth is, you never know what can happen when you are traveling and it is better to have travel insurance and not need it than need it and not have it.

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