Decide what you can self-insure
Small baggage or delay expenses may matter less than medical evacuation or a large nonrefundable trip.
Compare identical limits
A low quote can simply reflect lower medical, cancellation or baggage limits.
Check deductibles and exclusions
Lower premium can come with higher out-of-pocket exposure or narrower coverage.
Avoid buying benefits you already have
Review health insurance, airline refunds and credit-card travel benefits for overlap.