Travel insurance allows you to pay medical expenses abroad at the expense of the insurance company. The better the insurance coverage, the more expenses the insurance company assumes and the less you will have to pay out of pocket in case of illness or accident. Moreover, the insurance company takes care of all organizational issues related to medical care. Insurance may also include additional protection options. For example, reimbursement of losses in case of loss of luggage, flight delay or cancellation due to the fault of the carrier, forced cancellation of a planned trip, etc.