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"When you&amp;#039;re abroad, your US health insurance may not be adequate: Many foreign hospitals won&amp;#039;t accept it, and some ships&amp;#039; infirmaries may not either. Also, if you need to get home fast, transportation can cost as much as $50,000 for an emergency flight (up to $100,000 if you&amp;#039;re flying from Asia) \u2014 and bills need to be paid up-front. All of which means travel insurance is worth it. Below, John Ansell, president of the US Travel Insurance Association, answers frequently asked questions. What Type of Coverage Should I Look For? There are three categories: trip investment (which covers trip cancellation or interruption), personal health (which fills in gaps in your normal health insurance), and personal belongings (which covers baggage loss and car rental damage). You should have at least the first two. Make sure the personal health coverage includes both &amp;quot;medical evacuation,&amp;quot; which is the cost of getting you to an appropriate local hospital or clinic, and &amp;quot;repatriation,&amp;quot; which covers the cost of getting back home.  Where Do I Get Travel Insurance? Always buy from an American company that meets American standards. Insurance is sold in three different ways:  Through cruise lines. If you choose this option, make sure the cruise is only brokering the deal; the insurance itself should be underwritten by an outside company. Through travel agencies. Their packages usually offer more features, such as better health coverage and higher spending limits. Through Websites. Check out USTravelInsurance.org for a list of 11 companies that meet the US Travel Insurance Association&amp;#039;s standards. To comparison shop among them, go to InsureMyTrip.com.   Is It Expensive? Most prices range between five and eight percent of the cost of the trip. (If you travel frequently, look into an annual policy that will cover you for a year.) "^^<http://www.w3.org/2001/XMLSchema#string>
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