You will want travel insurance to cover these common (and some not so common) occurrences: 

1. You need to cancel your trip.

What happens if someone gets sick or there is a death in the family? With trip cancellation coverage, you’ll be able to recover your out-of-pocket expenses for these covered reasons and more.

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2. Your flight is cancelled or delayed.

 You miss your connecting flight or boat.... 

With trip interruption and missed connection coverage, you can take another flight and also have assistance services to help you arrange and pay for those travel changes and hotel stay while stranded.

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3. You get sick or injured on your trip

 You need emergency medical care – and quick.

With travel medical coverage, you won’t be paying a huge medical bill. You’ll also have assistance services –  in your own language – to locate a suitable medical facility and arrange transportation.Medical evacuations typically cost tens of thousands of dollars. With medical evacuation coverage, you can arrange safe transportation back to a US medical facility.

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4. Your baggage is delayed or lost

With coverage for luggage that is lost, stolen, or damaged, you’ll be reimbursed for new clothes and personal items. You’ll can even get reimbursed for a suitcase so you can take your new stuff home.

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5. Your passport is lost or stolen

With coverage for lost passports, you’ll have help expediting the process of replacing and paying for a new passport.