Comprehensive trip insurance is valuable if you're booking a considerably expensive or complicated trip (particularly to an isolated region) or if you're booking far in advance. Comprehensive policies typically cover trip cancellation and interruption, letting you cancel or cut your trip short because of illness, or, in some cases, acts of terrorism in your destination. Such policies might also cover evacuation and medical care. (For trips abroad you should have at least medical-only coverage.) Some also cover you for trip delays because of bad weather or mechanical problems as well as for lost or delayed luggage.
Another type of coverage to consider is financial default—that is, when your trip is disrupted because a tour operator, airline, or cruise line goes out of business. Generally you must buy this when you book your trip or shortly thereafter, and it's available to you only if your operator isn't on a list of excluded companies.
Always read the fine print of your policy to make sure that you're covered for the risks that most concern you. Compare several polices to be sure you're getting the best price and range of coverage available.
Insure My Trip (800/487–4722. www.insuremytrip.com.)
Square Mouth (800/240–0369. www.squaremouth.com.)
AIG Travel Guard (800/826–4919. www.travelguard.com.)
Allianz Global Assistance (866/884–3556. www.allianztravelinsurance.com.)
CSA Travel Protection (240/330–1529. www.csatravelprotection.com.)
HTH Worldwide (610/254–8700. www.hthworldwide.com.)
Travel Insured International (800/243–3174. www.travelinsured.com.)
Travelex Insurance (800/228–9792. www.travelex-insurance.com.)