Start with what is nonrefundable
Add up prepaid hotel, tour, event, rental and transportation costs that would not be refunded after a covered cancellation.
Health coverage overlap
Confirm how your existing health plan works away from home before paying for travel-medical benefits you may not need.
Delay and baggage
Airline or carrier obligations may overlap with travel insurance. Keep carrier notices and receipts when delay or baggage benefits are important.
Rental car and credit-card benefits
Check existing auto insurance and card benefits before buying duplicate rental-car or travel protections.