Now is the time many are planning their summer vacations; picking destinations, hotels and flights.
7 On Your Side's Michael Finney says many are missing out on an important purchase.
Phil Cameron of San Francisco is thumbing through photographs from his European vacation.
He was in a terrible bus accident in Italy.
Phil Cameron, San Francisco: "Everyone on board was injured.
My foot was trapped under the seat and my foot went through my computer screen."
Luckily Phil had bought a $25 dollar student travel card that came with $3,000 dollars worth of travel insurance.
The Olson's bought travel insurance for their trip to St. Martin.
That was a good thing because an armored car ran over their then two year old daughter, Hailey.
Kim Olson, Racine, Wisconsin: "I said, 'We have insurance, here's my insurance card.'
And they said, 'We don't take your insurance.
Travel insurance kicked in paying $21,000 dollars for medical care and a private jet back to the states.
Attorney Alexander Anolik wrote the Frequent Traveler's Guide.
Alexander Anolik, attorney: "The other side of insurance is bankruptcy, failure to get to a destination.
Phil Cameron, San Francisco: "In retrospect I would have bought the additional insurance that would have paid for all my medical bills and paid for the computer so I could have gone back to Oxford and kept studying."
The cost of this stuff is negotiable, so bargain.
Depending on the trip and coverage, the cost can range from a couple hundred to several hundred dollars.