Emergencies can happen when you least expect it. I highly recommend that you protect your vacation with a travel insurance policy. The airlines, tours, and hotels all charge high penalties for cancellation, ranging from the full deposit to no refund at all. Another important fact to keep in mind is that that most health insurance policies will not cover you when you are out of the country. Your travel insurance will protect you in the following areas:
Trip Cancellation
Trip Delay
Trip Interruption
Missed Connection
Baggage Loss, Theft or Damage
Baggage Delay
Emergency Medical and Dental Expenses
Emergency Medical Transportation
24/7 Hotline Assistance
It is also important to understand that you do NOT have coverage until you have an active policy. Pre-existing coverage will not apply to world events such as strikes, natural disasters, terrorism etc.
Please understand that I am not a registered insurance agent, and can not legally provide specific advice or information regarding insurance. For information, please feel free to contact Allianz Insurance Company at 1-866-884-3556.
For your benefit, I have also included a link below of Best Travel Insurance Companies of February 2023.
https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/