Travel insurance

What a travel insurance policy typically costs against a trip, what it actually pays out when something goes wrong, and what travelers wish they had checked before they needed to file a claim.

• Is travel insurance worth it? Yes, for trips over $1,000.
• How much does travel insurance typically cost, and what does it pay out? 5 to 10% of your trip cost, usually.
• What does travel insurance cover? Trip cancellation, medical, and baggage, usually.
• Do I need travel insurance? Yes, for most trips.
• How does travel insurance work? You pay upfront, they reimburse you later.

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