Travel health Insurance

Let's be honest. When was the last time you clicked that little box "I want trip insurance" when you bought a plane ticket online?

But you should. Most private health insurance plans don't cover medical expenses incurred outside of the U.S. —and rarely do they cover evacuation to the nearest hospital, which may be a problem if you're in rural China or hiking a mountain in Peru. And don't think that you're impervious to accident or illness just because you're traveling to a western city such as London or Paris. 

After reporting this story, I decided to check that box. For only $80 or so extra per trip, I'm covered for up to $10,000 in medical expenses and $20,000 in emergency medical transportation but also $500 in case of flight delay and 125% of my trip's cost if my trip is interrupted.