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Travelers that are planning a vacation abroad or a cruise, may want to consider traveler’s insurance. Travel insurance is a cancellation and emergency policy that covers events like trip cancellations due to an emergency, lost luggage, lost documents, trip delays, missed connections, medical illnesses, and medical emergencies. Planning for the unexpected event that cuts short your vacation is not only smart, it is also affordable.

The basic travel insurance policy covers cancellations and emergencies while you are traveling. To determine what type of traveler’s insurance you will need, check your insurance policies and credit cards before you purchase traveler insurance. You may be covered up to a certain dollar amount with your current insurance policies. You can then decide exactly what you will need. Medical costs in some countries are extremely expensive.

'''Choose the Amount of your Policy'''
Check to make sure the insurance company that you choose provides a 24-hour hotline for you to call if an unfortunate situation arises and you need to contact them. Be sure and pack the insurance company contact information so you will have it with you if needed.

After you determine the amount of insurance you need, go to a prescription drugs reference online and write down the current brand name and generic brand of your medication. If your medication is lost, or stolen, and has to be replace you may need the information. Brand name medication is not sold in all countries.

There are several reputable travel insurance companies and your travel agent can advise you or you can purchase your insurance online. The policy price is based on the traveler’s age, health, and other factors. You can also purchase insurance that includes travel delays, tour operators that go bankrupt and cancellation of the trip, accidental death, dental expenses and many other situations.