Then the worst happens: A family emergency means you need to delay your trip -- even the non-refundable flights and hotels. In other words, the main reason to get trip insurance is for peace of mind. Trip insurance can be an extra cost on to an already expensive trip, but when you're already a few thousand non-refundable dollars into your big vacation, having a way to recover some of that money should things go sideways can be well worth that extra cost.
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