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Travel insurance is short-term insurance available specifically against travel-related emergencies and expenses. International travelers will almost always want to obtain travel insurance to cover possible medical expenses, but even other travelers may find it useful depending on their plans. As coping with an emergency during a trip abroad can work out to be very expensive, in general, if you cannot afford travel insurance, you cannot afford to travel.
This article describes common items covered by travel insurance policies and what to check for on your policy. With any policy, it is important that you read the terms and conditions carefully and that you especially review the exclusions (things that the policy definitely does not cover).


== Understand ==

Travelers sometimes feel they can skip being insured if they're not carrying valuables, have changeable or refundable tickets, and can afford to be stranded at their destination for a while. Here are just four reasons that may not be the case:

Sickness or injury. Even though your health insurance costs may be covered at home by a government scheme or private insurance, it probably won't be valid outside your home country. Except...