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By figuring out what coverage you have, you can avoid the cost of purchasing duplicate coverage. You may think you are doubling your protection by buying a redundant policy, but almost all plans exclude coverage of claims that can be made under an already existing policy.

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Travel or vacation insurance is available in many formats. You can buy a basic package that protects you from logistical issues such as being bumped from a flight and not making your cruise departure, to more complex packages that incorporate logistical issues, health care, and loss or theft. You can also purchase limited policies that guard against specific risks or events either on or before your trip. For example, you may want an ‘out’ to cancel your walking tour of England if you broke your leg three days before your departure. Or you may want to purchase health coverage so that if you break you leg while on the walking tour, you can receive proper medical attention without having to deal with the possibility your provider won’t pay for care administered in another country. This is a super way to protect against loss of deposits and pre-paid expenses.

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