If you’re planning a major trip overseas, your thoughts have probably not strayed far from itinerary planning, packing lists, and strategies for photographing and capturing your travels. But experienced travelers will tell you that it’s also important to think about financial strategies and insurance. A bit of advanced planning can ensure that small delays or major issues are easy to deal with when they arise. Here are five types of insurance that is helpful to consider, depending on where you’re traveling and what activities you have planned.

Trip insurance

Trip insurance is a basic insurance that travelers can purchase for a fraction of the cost of their trip. Should an emergency arise that cancels the trip, the entire cost of the lost vacation will be refunded. Trip insurance typically covers personal issues such as illness and family deaths. It also helps you navigate flight delays, weather problems, or natural disasters at your location. To obtain trip insurance, speak to the travel agency where you’re purchasing your trip or contact the consolidator you’re using if you’re buying from a site like Orbits or Expedia. Always read the fine print to make sure you’re comfortable with the policy.

Health Insurance

Your family may have health insurance. But what best online casino games does your international coverage look like? Depending on your destination, you may require vaccines. Begin by contacting your provider to find out if travel vaccines and medicines that may be required (for example, anti-malarial pills) are covered under your policy. It’s also important to find out whether your coverage works internationally. Depending on your plan and provider, you may not be covered internationally. If you do have health coverage, you may be required to pay out of pocket and submit receipts for reimbursement after the fact. Knowing your policy’s specifics will help you plan ahead.

MedEx Insurance

Medical evacuation insurance takes effect when local hospitals in the area where you are traveling are not adequate. Typically, these are most useful in the case of serious preexisting conditions or a major accident. If you’re unable to receive the care you need locally, the medical evacuation company will fly you to a hospital that meets appropriate standards. Medical evacuation insurance should be purchased on an individual basis, considering your destination, your health, and the activities you plan to partake in during your vacation.

K&R Insurance

Are you traveling to a high-risk destination such as Mexico City, Nigeria, or parts of the Middle East? If you’re headed to a country where tourists are the target of kidnapping schemes, it’s important to have Kidnapping and Ransom (K&R) insurance. Many companies that do business in emerging markets have insurance for employees, but it can also be useful for individuals and families relocating or traveling overseas. In the unlikely event that you were kidnapped, a professional hostage negotiator is typically brought in and a ransom will be paid by the insurance company up to the amount of your policy. You can make some extra money playing at https://www.jackpotjill.info/en/. Always read the fine print and understand geographic specifics and policy limits.

Life Insurance

Before embarking on an international vacation or business trip, it’s important to ensure that your basic insurance needs are fulfilled as well. Do you have adequate life insurance for your family, in the unlikely but unfortunate circumstances that something should go wrong while you’re traveling? If you’ve been delaying, consider getting this aspect of your affairs in order before you hit the road. It’s one less thing to worry about while you’re having adventures.  It’s easy to research policies and even obtain a life insurance quote online in just a few minutes. About the author: Sarah Cooper is an experienced travel journalist that covers destinations, practical trip advice, and trends in the hospitality industry. When she’s not on the road, she lives in Portland Maine with her husband and their four sons.