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Sometimes your travel agent or tour operator may tell you that you have to buy travel insurance in order to buy a holiday from them, maybe as part of an inclusive deal. Only take this if the total cost is rewarding, compared to buying the holiday and buying travel insurance separately. In most cases you will probably find that you are paying over the odds for the travel insurance, even if it is in some sort of special deal. Margins on holidays are very tight nowadays and tour operators often make most profit from selling overpriced extras such as travel insurance.
If you do decide to buy travel insurance, you should look for a plan that includes treatment for emergencies and illnesses. Buy travel insurance policy that features a small benefit (say $100) for dental emergencies. Buy travel insurance policy that covers emergency medical evacuation. Buy travel insurance policy that includes trip interruption (which usually only covers you in case of the death of an immediate family member or damage to your primary home). And buy travel insurance policies with small deductibles ($100 or $250) and co-pays (most international insurance pays 100 percent of medical costs).
