What’s your stance on travel insurance—essential or a waste? I’ve skipped it before to save money, but after a surprise $300 medical bill, I never travel without it. Do you always buy travel insurance, or do you think it’s unnecessary unless you’re doing something risky?

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I typically skip it! The best practice is to book directly with airlines/hotels and maintain a good emergency fund

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I have never bought travel insurance, but I am intentional on which credit card I use to book travel because of their insurance as part of the credit card benefit.

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I’m the same way. If I traveled internationally a lot (which I don’t) I’d probably look into a supplemental annual policy.

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OP, what credit card do you use to book your trip? Some credit cards will reimburse up to $2500 for a medical expenses on trips.

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prior to covid, it was a waste of money. ever since, it's essential.

I don't always buy overarching travel insurance (only for long haul or intl travel), but I buy into the protection for flight, hotel, and etc. when it's available. It's saved me lots of times whether due to unexpected illness or I booked too close to the date and it was wishful thinking I'd make it. Nowadays, I'm especially more willing to get it because of the way flights can change -- haven't used those airlines but better safe than sorry

I always do. I value peace of mind. To know that I’ll be taken off financially if something happens make me enjoy my vacay more. I’d rather pay $200 worth of insurance than subject myself to the possibility of unlimited medical costs.

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