A reader wonders if travel insurance is necessary for her holiday journeys and what to prioritize when choosing a policy.

Q: This question comes from Megan. She says: I have several trips planned for the holidays. Given current news, I’m anxious about potential changes. Should I consider travel insurance? What should I look for?

A: Around 82 million travelers are anticipated to hit the road this week for Thanksgiving—a record-breaking figure. The holiday travel surge shows no signs of slowing down. Even though many issues have been resolved since the recent cancellation wave, it's completely normal to feel uneasy about your upcoming plans.

But here’s a crucial tip—you shouldn’t wait for alarming news to consider travel insurance. “No matter the situation, whether domestic or international, having travel insurance is always wise,” advises Wendy Marley, a travel advisor. “There’s never a ‘better time’ to ensure you have it; it’s essential for protecting both your investment and your well-being.”

In fact, travel insurance isn’t solely for emergencies. A suitable policy can reimburse you for non-refundable expenses, cover medical costs overseas, and assist if your luggage goes missing or your flight is delayed.

So, how do you choose the right policy without getting lost in a comparison maze? Marley emphasizes two key areas to focus on first—trip cancellation terms and limits on emergency medical coverage. “I typically recommend a policy that includes at least $50,000 for emergency medical expenses and $500,000 for emergency medical evacuation, based on your travel destination,” she elaborates.

She also advises on important questions to clarify:

  • Is your medical coverage primary or secondary?
  • Is there a 24/7 emergency assistance hotline available worldwide?
  • Are you protected in case of travel delays, trip interruptions, and baggage issues?
  • And most crucially, what are your specific concerns? “Some policies offer more coverage for certain situations than others,” Marley notes.

If searching for the ideal plan feels daunting, don’t hesitate to seek help. A travel advisor can assist you in finding the right policy, or you can check out top-rated options here.