How to get the best deal
Before deciding to buy a travel insurance, always keep in mind that policies may vary so it is best to always shop around before buying one. Check what your current insurance covers. Some policy may include covering 10% of your possessions away from home. It also means that you can skip coverage for damaged or lost items.
Some trips can also mean non-refundable expenses in any case something will happen. If you can accept the portion that you will lose, it is better to save your money for emergency fund instead so that you will have enough money if something happens.