Image via Flickr user Liam Moloney

You’ve selected your destination, departure date and seat assignment. You’ve entered your name and date of birth and if you’d like to pre-pay for checked bags. You’re almost done buying a plane ticket and then the dreaded checkbox asking whether you would like to purchase travel insurance or not pops onto the screen.

Here are some tips to help coach you on when to buy trip or airfare insurance:

• What’s the timing? If you’re buying a ticket last minute for a trip you’re taking this weekend, it’s less likely something will disrupt your plans.

• Will canceling break your pocketbook? If you need to cancel or delay a trip and being out that money (and perhaps knowing that you’ll have to pay even more money to reschedule), paying a little extra up front for insurance won’t hurt in the long run.

• Do you have use for other services? If you’re going on a major trip where you might need more than just trip interruption coverage — if you want coverage for medical incidents, lost baggage or help with lost travel documents, for example, — insurance might be for you.

by Liz Klimas

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