As for travel insurance, I'm covered through work under my medical benefits package. Check there first. But, the chance of me making a claim on my travel insurance is not any time soon.
Buying travel insurance is not an exact science and not necessary for most trips. A recent "Smart Money" report suggests 5 reasons or trip types where purchasing travel insurance should be considered:
-Trips that are a long way off
-Expensive trips
-Complex Plans
-Cruises
-Package Deals
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