Passport? Check. Plane tickets? Check. Insurance?

More than 30 million family travelers will visit an international destination this year — nine percent more than just two years ago. And as more and more Americans are heading overseas for their vacations, many are adding insurance to their travel to-do list as well.

In fact, according to a recent AAA survey, nearly four in ten Americans (38 percent) are likely to purchase travel insurance for future trips overseas. And AAA has seen its domestic and international travel insurance sales increase more than 20 percent year-to-date. 

Refund for a trip cancellation is the top priority for 88 percent of those who are seriously considering travel insurance. However, there are other advantages too:

• You landed but your bags didn’t. Airlines mishandled more than 22 million bags in 2017. Travel insurance can provide coverage to replace needed items if luggage is delayed, damaged or stolen. 

• Sickness happens. Most health insurance policies don’t cover international travel, and many hospitals outside the United States require cash payments before providing treatment. Travel insurance can help cover medical expenses‒whether you’re traveling internationally or staying stateside‒and even costly emergency evacuations back to the United States.  

• Flight delays and cancellations. Airlines may not cover all costs associated with a delayed or canceled flight. Travel insurance can help reimburse expenses such as rebooking fees, meals and accommodations.

From family emergencies to natural disasters, there are many unknowns that can throw a wrench into a planned vacation.

The relatively small upfront cost of travel insurance can pay back dividends in the event of sudden and unforeseen circumstances before or during a vacation.

Because policies and coverage options vary, consulting a knowledgeable travel agent to explore options is recommended. For more: AAA.com/Travel.