If you are traveling internationally, particularly if it is an adventure and/or expensive trip, purchasing travel insurance is a worthwhile investment. Just think about the cost if you had to be airlifted out of the Andes, or the middle of Siberia or Antartica.
In most cases, basic cancellation/interruption policy will include medical evaculation along with coverage for baggage loss/delay, trip delay and trip cancellation for illness or death.
More expensive and also more complex coverage is available that will cover trip cancellation for any reason. Some plans (usually with a requirement to purchase within a specific time frame), will also cover you for trip cancellation due to pre-existing conditions.
Like all insurance plans, travel insurance plans are priced based upon the level of coverage. Some plans pricing is also dependent upon age.
An excellent resource for comparing policies is InsureMyTrip.com. They have plans from eighteen insurers and is also an excellent resource tool with lots of travel tips.
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