Traveling internationally is the time when travelers insurance is needed most because you are leaving our country and rules differ elsewhere in the world. Travel insurance is even more important when you get older because you are more liable to have an accident or hurt yourself. Medical coverage is the greatest concern to most so shop around for cheap travel insurance as a backup plan if you get hurt while traveling. Check your insurance to see if they will cover you in a foreign country, most do not. Trip cancellation insurance can also be important if you will be spending a lot on transportation tickets. With the amount of delayed and cancelled flights these days, you can almost expect your journey to not go smoothly. Also, look for travelers insurance that offers a 24-hour help line to help you find doctors, pharmacies or English speaking establishments if need be while in a different country.