You can buy insurance for everything. The trick is identifying your insurance needs, and everybody is different. In no part of life is this more difficult than in travel.
As Yogi Berra himself might say: "You don't need it until you need it."
And: "That happens when something happens."
The big ones are medical, trip cancellation/interruption and baggage. All of them require due diligence, lots of research, reading the fine print. Sometimes there's a tendency to think credit-card companies offer what you need. The truth is they probably don't. Not all credit-card coverages are comprehensive, some have limitations and most have conditions and restrictions.
For medical insurance when traveling, it's important to be completely honest when answering the questions, especially if you have a pre-existing medical condition. It may mean the cost of the premium is more but — if something happens — it may mean the cost of the treatment is less.
But with all insurance, the best policy is to read the policy, right down to the fine print, so that you know exactly what your coverage is.
Today at Phil Reimer's portsandbows.com: Good deals getting better come autumn
Carnival Liberty
5 nights
September 21, 2014
Port Canaveral (return): Half Moon Cay, Nassau, Freeport
Inside: $299
Cost per day: $59
www.carnival.com