If you're spending a lot of money on a trip, consider buying travel insurance to protect yourself against the unexpected. Key things to know:
• Typically, travel insurance reimburses you for such things as nonrefundable cruise deposits or airfares — and for the cost of rescheduling flights — when weather, illness, natural disaster or terrorism cause your trip to be canceled or delayed. Plans differ slightly from one another, so be sure to read the fine print.
• Some policies cover medical expenses incurred outside the United States, and may pay for emergency evacuation in case of a serious injury or health problem. Some providers will not cover pre-existing medical conditions.
• You can buy travel insurance through a travel agent, your tour company or sites such as InsureMyTrip.com, Squaremouth.com and QuoteWright.com. The cost typically is 4% to 8% of the trip's price. You may get a better rate if you buy a policy within 14 days of making the first deposit for your trip.