CHECK YOUR WALLET: Some credit cards
or health insurance plans may already cover
you while you’re traveling. Certain American
Express cards come with automatic basic travel
insurance, for example, which may cover flight
cancellations, rental car damage, lost baggage
or flight delays. Some health plans will cover
international care at an out-of-network rate, but
if you have a pre-existing condition, you may
have to purchase a waiver to make sure you are
covered overseas, Consumer Reports says.
READ THE FINE PRINT: Before you buy, make
sure the travel insurance you’re considering
covers everything you think it should.
Insurance paperwork can be a long, dull read,
but it’s worth the effort. If you’re unsure, call
the company.