The way I figure it, it is about $325 for $10k if I book early enough, with cancel for work coverage. I am always better than 3.5 percent likely to have to cancel for work after final payment. Adding in the supplemental stuff you get makes it a no brainer. Iberia lost our bags this summer for several days. We had primary baggage delay coverage. There were some paperwork burdens when we got home, but we got reimbursed in about two weeks. (Travelguard.)
Originally Posted by
onlyairfare
I don't usually buy travel insurance, except for expensive cruises, the cost of which is truly non-refundable and a total loss if you have to cancel at the last minute, if you are not insured.
Airfares - you pay the change fee, hotels maybe you pay for a night or two if you no show. I can manage that, or a new plane ticket if an emergency requires me to return home early.
Depending on your health insurance, you may not have coverage in a foreign country. And medical evacuation back home in the event of serious illness or injury can be very expensive. I usually purchase that coverage when traveling overseas.
Secondary vs primary coverage is important with medical/evacuation coverage also.