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For those who really like to be prepared, you can protect yourself against total loss in a trip due to things like inclement weather, missing baggage, travel delays, and unforeseen family tragedies with travel insurance. We think you should purchase insurance on a case-by-case basis. Weekend trips out of town or even a week-long rental for a beach trip to a nearby city probably don't warrant getting travel insurance. Insurance can be a good idea if, for instance, you're booking an all-inclusive vacation to the Bahamas and you want to protect yourself against the possibility of a hurricane.
The cost of insurance varies according to the cost of the trip and the age of the travelers. According to Staci Blunt of Family Friendly Travel, travel insurance for a big travel package provider like Apple vacations might run you just under $70 per person. As another option, you can get travel insurance through a private party. Access America provides travel insurance for everything from cruises to business trips.
Helpful Hint: Some credit card companies come with built-in travel insurance if you book your vacation through them. Check with your credit card company to find out just what you might and might not be covered for.