We are a week away from the unofficial start of summer and as you plan your vacations you may be wondering if you should get travel insurance.

We are stretching your dollar with three examples of when experts say you should always opt in. These come to us from clark.com.

They say you should always get travel insurance when you are taking a cruise, booking special tours as part of your trip, or if you’re traveling on an itinerary that requires prepayment of thousands of dollars.

That’s because those are situations you may lose your money if you cancel for any reason. Travel insurance will help recoup some of those costs.

The insurance covers most cases when cancellations need to happen… inclement weather, injury or illness or other unforeseen circumstance.

Travel insurance will cost roughly 5% of the total amount of the trip.

Here’s another website that can help you. You can comparison shop insurance companies on InsureMyTrip.com.

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