When do I need travel insurance and why?

Published by Chris Harvey January 29, 2008

Travel Insurance policies are always recommended when you are taking a cruise, a tour or traveling on a trip that requires a pre-payment of thousands of dollars. Policies are designed to protect consumers by giving them refunds in the event of injury, illness or death to the traveler or immediate family member, or to provide a refund in the case of a unforseen company, tour operator or airline default in addition to many other benefits.