It is very important and prudent to get travel insurance before actually going off to travel. You would not like to find yourself in a situation where you went without and actually needing one.

Most travel insurance policies are designed for a variety of travel needs. Read the fine print of any policy you purchase regarding any deductibles and health situations. You may find your policy won't cover pre-existing conditions that may cause a problem or that the medical coverage is only for an injury or an illness -- not both. 

For emergency aid, travel insurance polices are generally dependable and affordable, but there are still a myriad of gaps in the coverage provided. You can find polices designed for almost any type of trip you may be planning, such as a single trip for hunting, backpacking, cruises, house rentals, and a host of others. But, the specific types and amounts of coverage you get depend on the policy you choose. It's important to remember that you will only be covered for what is specifically stated in your policy and for nothing else.

Most policies cover trip cancellation, lost baggage, medical, dental, and accidental death coverage. Other policies include emergency evacuation, 24-hour travel assistance, and trip or baggage delay. You may even find policies that include options for collision or damage to rented cars and business conflicts. There are many options that can be covered, but you will have to ask.

The premiums for the policies are generally 5% to 7% the cost of your trip, but fees will vary depending on the medical history and passengers ages. Many companies offer policies that will include coverage for children at no extra charge. 

If you do choose to buy your policy from your tour operator, be sure to use a credit card. Depending on the policy of the credit card issuer, you may be provided with protection against potential default of the operator.

I hope I’ve given you a helpful tool to use in making a decision as far as travel insurance is concerned. Though we may not wish it, accidents can and will happen. Better be prepared.