Am I Covered?

Insuring a trip can be complicated. Here are nine questions consumers can ask when shopping for travel insurance.

Before you leave:

1. Should I cover the full trip or just a portion of the costs?

2. Can I get a refund if I become ill and have to cancel my trip 24 hours before I’m scheduled to depart.?

3. What if something happens to me on the way to the airport and I miss my flight?

On the road:

4. What if my flight is canceled because of bad weather and I am unable to meet up with my tour or cruise?

5. What happens if a traveling companion who has a preexisting condition, such as asthma, suffers an attack that forces both of us to come home?

6. I’ve signed up for rock-climbing lessons during my trip; am I covered if I’m injured during class?

7. If the airline or cruise line I’m traveling on declares bankruptcy, will I get my money back? How will I get home?

8. Does the company provide emergency assistance around the clock?

Homeward-bound:

9. Will I be covered if my baggage is stolen or disappears?

10. What if one of my newly purchased souvenirs is broken on the trip home?