You might have to purchase additional insurance if the benefits afforded by your credit card coverage fail to meet your needs. For example For example, if you’re only going on a small 10-day beach trip to the Caribbean then your credit card travel insurance will likely be enough as long as it provides travel protection and medical emergency coverage spanning those 10 days. However, if you’re going for an extended, multiple-month skiing trip to Asia, your credit card insurance may not be sufficient due to the activity you’ll be undertaking and the length of your trip. Similarly, you might not need credit card purchase protection if you rarely purchase expensive items, or your mobile phones and laptops are covered by your home insurance. As previously mentioned, the limits of your credit card insurance will be the deciding factor as to whether or not you need additional insurance. So knowing exactly what your coverage consists of is paramount. You can use our free HelloCard tool to instantly find out all the coverage included in your credit card.