It’s been a rough travel season so far: massive oil spill, unrest in Greece, volcanic ash clouds and pilots on strike.

So it’s is no surprise more travelers are looking to insure their summer getaways.

“You have to look at your personal situation and the value of your trip,” says Jim Grace, president and CEO of InsureMyTrip.com. “Deciding whether not travel insurance is right for you depends on the person, destination, [and] travel type.”

While experts agreed you can most likely skip travel insurance for the routine family vacation or trip to visit relatives, it might be worthwhile for adventures abroad, exotic trips or expensive vacations.

“You have to consider your appetite for risk, and what can potentially happen on your trip,” Grace says. 

Before deciding if the investment is worth the cost, it’s important to understand the different types of travel insurance and what should be covered.

Don’t Duplicate Coverage 

Before signing up for extra travel insurance, check to see if you’re already covered through an existing plan.

Check with your health insurance, life, card and car insurance, many of them offer travel protection.

“Because travel insurance is usually decided on a case-by-case basis, it’s important to become familiar with your personal situation,” says Timothy J. Krenzien, president of Paul Klein Travel. “For most, your primary care will cover health costs even when traveling.” 

Shop Around

After you identify areas that need coverage, be sure to shop around.

Like all insurance plans, prices  and coverage varies—so review and compare an assortment of products and plans.

 “Not all travel insurance plans are right for every trip,” Grace warns. “It ranges from premiere to basic depending on the type, but the caveat is to buy insurance seven to 21 days after booking, the idea being better coverage the sooner after your purchase your tickets.”

What to Get Covered

Krenzien explains travel insurance boils down to three factors: trip cancellation, additional benefits and health insurance.

“Most customers go for the financial benefits when it comes to travel insurance,” Krenzien says. “In many cases, especially in luxury travelling, there are high cancellation costs, and travel insurance can help to avoid financial losses.”

Travel insurance can include trip cancellation for various reasons like natural disasters, terrorism, weather problems or pre-existing conditions. It can also include baggage and rental coverage, travel delay and supplier bankruptcy.

Meanwhile, travel insurance can also include all things medical including hospitals and doctor visits.  

Grace advises travel insurance companies know doctors located where you are traveling as well as hospitals to help you from a distance.