It depends. Each plan is different and the claims paying history of the  Insurance Company which underwrites the plan is important.  Some plans out there are very limited in coverage, and you want a reliable underwriter for when you do have a claim.  All of TME’s Travel Insurance Trip Plans are worth paying the premium in order to have financial protection from the losses you may incur before or during a trip  Beyond protecting you trip costs due to cancellation or interruption and numerous other benefits, we also provide peace of mind in the event of an emergency:  if you are hospitalized your out of pocket medical expenses and if necessary a medical evacuation are covered.  Our underwriter is Nationwide with a Financial Strength Rating of A+ (Superior) from AM Best.