Before you’re comparing the pros and cons of specific policies, you’ll have to decide whether or not to buy one at all. That’s the easy decision – there are plenty of reasons to make sure you’re covered before you hop onto that first plane, train, or automobile. First off, travel insurance is pretty inexpensive – if you can afford to travel, you can afford to buy coverage. Even if (or especially if) you’ve been saving up for years just to prepare for the costs of your adventure, it’s worth putting aside a little bit extra to protect those savings in case something goes awry. Having insurance will also make the process of traveling much less stressful – what’s to worry about if you know you’re covered? And as any seasoned explorer knows, it’s always good to have a backup plan or bailout option just in case the situation gets hairy. Applying that outdoor principle to the wilderness of personal finance is still a great call – even if you’re forced to confront an unexpected setback you’ll be prepared to get away unscathed.