Travel Insurance 101: What It Actually Covers

Most travel insurance policies bundle a few core protections: trip cancellation, emergency medical care, and lost or delayed luggage. Coverage for rental car driving is sometimes included, sometimes an add-on, and sometimes excluded entirely, so it's worth reading the fine print.

Compare a policy's coverage limits against your actual trip cost and destination healthcare costs, not just the price of the policy itself. If you're planning to rent a car and drive, confirm separately whether that's covered under the policy or needs its own protection.