En español | As a frequent traveler who has visited 69 countries, Marcelline Krafchick, 83, knows how quickly a trip can take an unexpected turn for the worse. Eight years ago, when she was traveling in Kenya, she fell and broke her foot. The Emeryville, Calif., resident was rushed to the hospital and eventually flown home. The medical and airline costs were all covered by the travel insurance policy she had purchased for the trip.
"The most wonderful thing about having that insurance was that I never felt alone," Krafchick says, explaining that the insurance representative called to check on her progress every evening while she was overseas.
Whether you book a trip online or through a travel agent, you are likely to be offered some kind of traveler's insurance coverage. Depending on the policy, it can cover everything from the catastrophic expense of health emergencies to disruptions caused by bad weather or a terrorist attack. It can even be used for logistical challenges such as coping with lost luggage.