Do you need travel insurance this summer?

If you’re planning to travel somewhere this summer, you’re probably thinking of buying travel insurance.

“Knowing you’re protected from unforeseen travel mishaps — like delays, lost baggage and even medical emergencies — can make the trip that much more enjoyable,” says Daniel Durazo, a spokesman forAs it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.Here’s when you can skip travel insurance, according to experts:

If you have travel expenses that insurance would cover. “If you have many prepaid, nonrefundable expenses, it’s best to take out travel insurance,” says Lauren Gumport, a spokeswoman for. ”This includes things like flights, hotel rooms, tickets and activities.” The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.

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