Is travel insurance worth the money? 
To determine the value of a travel insurance policy review the coverage that you currently have . Some people have coverage that extends to the locality where they live , or the state in which they reside . Coverage outside of that specified area can be highly limited . The issue becomes more severe with most plans when you travel overseas . If your current coverage is inadequate to cover potential difficulties secure a travel insurance policy . Personally , I travel overseas frequently and never purchase travel insurance . 