1. Emergency Medical Coverage: Don’t Travel Without It

Your regular health insurance probably won’t follow you abroad. That means if you get sick, injured, or end up in the hospital overseas, you’re on the hook—sometimes for thousands. Travel medical insurance steps in to cover doctor visits, emergency surgeries, and even medical evacuations. Look for plans with at least $100,000 in coverage. It’s the most important thing on this list, hands down.

2. Trip Cancellation and Interruption: Worth It for Pricey Plans

If you’ve prepaid for flights, hotels, or tours, cancellation insurance can save your trip budget if life throws a wrench in your plans.