08/24/2026
🧳 Travel insurance: worth it or not? Here's the honest answer from someone who deals with this every day!
Skip it if:
— You're taking a short domestic trip with fully refundable bookings
— Your credit card already includes travel protection (check your card benefits!)
— You genuinely wouldn't be devastated losing the cost of the trip
Get it if:
— You're traveling internationally
— You have non-refundable flights, hotels, or excursions
— You or someone you're traveling with has a health condition
— You're going somewhere with a real chance of weather disruption (hurricane season, winter storms, etc.)
The part most people don't know: standard travel insurance often does NOT cover "cancel for any reason" — that's a separate, pricier add-on. If flexibility matters to you, ask specifically for that.
Have a travel insurance question? Drop it below and I'll answer it! 👇