If you are traveling, you may want to consider travel insurance. It may be true that you may have other policies that cover your travel needs, having travel insurance allows you one point of contact if you are having difficulties.

A basic travel insurance plan will include the following:

Trip Cancellation Insurance

Trip cancellation insurance covers the expenses and fees associated with you trip, such as airfare and any deposits that you cannot recoup. Generally, you cannot cancel for any reason whatsoever. Many policies have restrictions as to reasons why you can cancel. Generally, cancellations are allowed for health or catastrophic reasons. You can find "cancel for any reason" policies.

Trip Interruption Insurance

Similarly to trip cancellations, unforeseen circumstances can interrupt a trip, forcing you to stop your trip once you have started. Trip interruption insurance covers the costs incurred by this situation.

Travel Delay Insurance

Sometimes things happen that can cause a travel delay, such as accidents. carrier delay or trying to recover lost document such as a passport. Travel delay insurance is used to recoup the costs incurred such as hotel costs and dealing with non-refundable airline tickets.

Baggage & Personal Effects Loss Insurance

This insurance is valid when your baggage and/or personal items disappear whether by accident or theft. Even though airlines and cruise lines offer some protection, they do not cover everything.

Baggage Delay Insurance

Sometimes your baggage does not show up on time, and you have to scramble to get personal items that you need until the baggage arrives. Baggage delay insurance covers these expenses.

Medical Expense Insurance

You can get sick or injured while on a trip. You need to go to the doctor or a hospital. Travel medical expense insurance will pay for medical treatments. Pre-existing conditions are covered in some of the travel insurance packages.

Emergency Medical Evacuation Insurance

When a medical emergency strikes, you may need an ambulance, or possibly helicopter transport, to get you to immediate care. Later on when it is time to return home, you might need a private air ambulance or multiple seats on a commercial flight so that you have room enough for medical equipment with possibly an attendant to accompany you home. Emergency medical evacuation insurance is designed to handle these costs.

Along with the above coverage, many travel insurance plans have twenty four hour telephone assistance available to you. You will be assigned an individual to help you out of your jam, something you would not get if you are relying on multiple insurance policies to help out.