Travel Insurance     
Should You Buy Travel Insurance?

Many would be travelers tie up money for travel packages that they either never get back or must wait a long time and pay expensive transaction fees because of last minute family emergencies. As a general rule, weight the risk of the money invested to the cost of an insurance policy. A few quick question to help you decide if you need insurance are:
No
If your medical, home owners or life policy covers
No
If your credit card covers your rental car
Maybe
If you're going on an expensive and/or long trip
Maybe
If you're traveling overseas as often your coverage will be limited to the US only
Yes
If your cruise, tour or overseas trip is nonrefundable

The devil is in the details so shopping carefully is essential. Some web sites to check out are
Travelex                                   (800-228-9792)
CSA Travel Protection            (800-348-9505)
Travel Guard International      (800-826-1300)
Access America                       (800-284-8300)