Travel Mistakes You Might Be Making Without Even Realizing It

16. Skipping Travel Insurance—Until It’s Too Late

Travel insurance often feels like one of those "optional" extras—until something goes wrong. Then it quickly becomes the thing you wish you had. Many travelers skip it to save a bit of money, assuming nothing will happen. But accidents, delays, lost luggage, illness, or even geopolitical events can upend your plans in seconds. A broken ankle abroad? That could run you thousands in hospital bills. A canceled flight due to weather or a missed connection? Without insurance, you’re likely footing the bill. The truth is, travel insurance isn't just for adrenaline junkies climbing mountains or diving coral reefs. It's a safety net for everyday travelers too. Most policies cover trip interruptions, emergency medical care, evacuation, lost baggage, and theft. Some even reimburse you if your hotel room is infested or your Airbnb falls through. The key is choosing the right coverage for your needs. If you're traveling to a remote area or have tight connections, comprehensive coverage is worth the extra cost. And if your plans are still in flux, consider upgrading to “cancel for any reason” (CFAR) coverage—it costs a bit more but gives you ultimate flexibility. Before you travel, take five minutes to read the fine print of your policy: know what’s covered (and what’s not), where to call in an emergency, and what documents you'll need to file a claim. A little preparation goes a long way—and might just save your trip (and your wallet).