1. Don’t assume that you are already covered under your existing atlas travel insurance plan. In most cases, health insurance companies and even Medicare, provide no medical coverage outside of the U.S. Some Medigap policies cover a portion of medical costs incurred outside of the U.S., but they may not cover everything. Also, you may have to pay the entire hospital bill up front and wait for reimbursement.

2. Travel insurance also covers the cost of medical evacuations, which can easily cost $50,000 or more, depending on how far you need to be transported, and whether or not the Coast Guard has to be involved.

3. Many companies will sell you an insurance plan that is based on the price of the trip, as well as how old you are. Shop around for good coverage with a company that has a non-age based policy. This could save you hundreds of dollars.

4. Your insurance plan covers more than you think. Medical expenses are not only covered during the trip, but also any expenses incurred within one year from the date of the injury or sickness will be paid. Many other features are automatically included in the plan, such as baggage loss, trip delay, assistance if you lose your passport, assistance with re booking a flight due to a missed connection, emergency return travel arrangements and more. As a matter of fact, you have 24 hour access to customer service from anywhere in the world.

5. The number one reason clients cancel a vacation is due to medical reasons. Always protect your investment and buy insurance.