Q. When travel insurance is purchased from an airline at the time of making the flight reservation, does that insurance cover all aspects of the trip, or only the flight? For example, in the case of an unexpected illness, will the insurance cover cancellations of tours scheduled during the trip (that have already been paid for), in addition to airfare?

A. When it comes to insurance, you get what you pay for. Buying directly from the airline may seem like the cheapest option, but there are often limitations on that coverage. You're probably better off buying from a third party such as Travel Guard, CSA Travel Insurance, or another vendor. You can also compare coverage and rates at insuremytrip.com.

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