When Is Travel Insurance Worth It?

Know when you need travel insurance and when you can skip it.

A woman sits at an airport gate.
(Image credit: Getty Images)

Now that Americans returning to the U.S. from abroad are no longer required to test for COVID-19 before boarding a plane, you might be wondering whether it's worth it to pay for travel insurance. Travel insurance may seem like an unnecessary cost, particularly when fares are refundable or you don’t have to pay a change fee. But there are situations when its mandatory, as well as times when it’s not required but is worth paying for.

What travel insurance covers

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Emma Patch
Staff Writer, Kiplinger's Personal Finance

Emma Patch joined Kiplinger in 2020. She previously interned for Kiplinger's Retirement Report and before that, for a boutique investment firm in New York City. She served as editor-at-large and features editor for Middlebury College's student newspaper, The Campus. She specializes in travel, student debt and a number of other personal finance topics. Born in London, Emma grew up in Connecticut and now lives in Washington, D.C.


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