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[quote=Anonymous][quote=Anonymous]I do it when we have significant non-refundable expenses. I do price out what is refundable vs non-refundable and use that as the basis for how much to ensure for. So, for example, this summer I have a trip planned that will be about $14K for lodging, airfare, and tickets to attractions. But, a significant chunk of the lodging is refundable until the night before and even the "nonrefundable" plane tickets can be changed for a fee. So I bought about $8K of insurance.

I use Allianz. They're probably not the cheapest, but they aren't crazy expensive and the one time I had to use it (due to illness) they paid immediately and the process was super easy. [/quote]

Agree with this strategy.  I buy it to cover non-refundable AirBnBs and for extra health insurance including medevac.  I have bought it more frequently since Covid.  I have used several of the services recommended by Rick Steves at this link.

https://www.ricksteves.com/travel-tips/trip-planning/travel-insurance

"Travel Insurance Providers

For extensive travel insurance coverage, go with a big-name company. Avoid buying insurance from a no-name company you found online. Consider the package deals sold by:

Betins
Allianz
Travelex
Travel Guard
Travel Insured International
You can compare insurance policies and costs among various providers at SquareMouth and at Insuremytrip.com (both also sell insurance)."

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