Yes—for most international trips, travel insurance is worth buying in 2026. The cost is usually 4%–10% of your total trip price, but it can save you thousands of dollars if you face a medical emergency, trip cancellation, or major travel disruption. (AARP)
Why It’s Worth It
- Emergency medical expenses: Hospital treatment abroad can cost thousands of dollars.
- Trip cancellation: Covers eligible non-refundable costs if you have to cancel for a covered reason.
- Trip interruption: Helps if you need to return home early.
- Lost or delayed baggage: Reimburses essential purchases and lost belongings.
- Flight delays: May cover hotel stays, meals, and transportation during long delays. (MaPS)
When You Should Definitely Buy It
Travel insurance is highly recommended if:
- You’re traveling internationally.
- Your trip costs more than $1,000.
- You have non-refundable flights or hotels.
- You have pre-existing medical conditions (declare them when buying).
- You’re traveling during hurricane, wildfire, or winter storm seasons.
- You’re taking cruises or adventure activities. (ABI)
When You Might Skip It
You may not need travel insurance if:
- You’re taking a short domestic trip.
- Your bookings are fully refundable.
- Your premium credit card already includes strong travel insurance benefits.
- You can comfortably pay unexpected costs yourself. (AARP)
What to Check Before Buying
Choose a policy with:
- At least $100,000 in emergency medical coverage.
- Emergency medical evacuation coverage.
- Trip cancellation and interruption protection.
- Baggage loss and delay coverage.
- Coverage for your planned activities (such as skiing or scuba diving).
- Coverage for pre-existing conditions if applicable. (ABI)
2026 Travel Trend
Climate-related disruptions such as wildfires have made comprehensive travel insurance more valuable. However, insurers have tightened some policy terms, so it’s important to read the exclusions and buy insurance as soon as you book your trip. (The Times)
Final Verdict
Travel insurance is worth buying in 2026 for most travelers. A relatively small premium can protect you from medical bills, cancellations, and travel disruptions that could otherwise cost thousands of dollars. For expensive international trips, it is generally a smart investment.